我國網路金融風險成因分析及防範對策
摘要：以計算機網路技術為核心的資訊科技革命，給整個社會經濟帶來了前所未有的機遇和挑戰，而網路金融作為21世紀金融業的1場革命，在短短的幾年間得到了迅速發展，日益受人矚目。它引發了金融機構的經營管理模式、中央銀行的貨幣政策操作、金融業的運作機制等方面的1系列重大變革。但同時它也帶來了各種各樣的金融風險，並使網路金融業的展受到1定的限制。面對網路經濟大潮的衝擊，中國的金融業如何抓住機遇，順應國際金融業的發展潮流，大力推進我國網路金融的發展，成為提高中國金融業競爭力的重要內容。因此，加快金融改革步伐，切實預防和逐步化解網路金融風險具有重要的.現實意義。本文從我國網路金融及其所隱含的金融風險的現狀出發，全面分析了我國金融風險產生的原因。並在剖析了當前防範金融風險的現實環境的基礎上，提出了相應的防範和化解金融風險的對策。
關鍵詞：網路金融；風險；成因
the Origin Analysis and Guarding Mechanisms on
Chinese Network Financial Risks
Abstract: Informational technology revolution, which takes the computer network technology as the core, has brought the unprecedented opportunities and the challenges for the whole social economy. But the network finance, as a 21st century finances industry revolution, has obtained rapid development during the short several years, and focused attentions of people day by day. It has initiated series of significant transformations, such as the way of financial organizational management, Central Banks monetary policy operation and finance industry operation mechanism, and so on. Facing the impact of the network economical tide, how does Chinese finance industry catch the opportunity, complies with the current tide of the development of international finance industry, and vigorously advances our country’s network financial development, is important content of enhancing the competitive ability of Chinese finance industry. Therefore, speeding up the financial reformation steps, practically preventing and gradually reducing the financial risks, has important practical significance. This article, bases on the present situations of network finance and financial risks, which are contained in network finance, has comprehensively analyzed the reason of the producing of financial risks, and proposed the corresponding guard and countermeasure of melting the financial risks, While analyzing the realistic environments of guarding finance risks at present.
Keywords: network finance；risk；origin