信息化时代的银行监管问题研究3

3StudyontheSupervisionoftheBankinInformationAge12ZHOUHongWANGLu-bin(1.1008722.100081)[],,,,Abstract:ThedevelopmentofE-commenceoffersthepaymentsystemanewchancetodevelopmorequickly,E-bankingisbecominganimportantpointforthebanks.Thetraditionalconceptofthebank,managementstrategy,managementpatternandthecontrolmechanismwillchangethoroughly.WithTechnologyInnovation,itisanewproblemforthecentralbanktopreventandsettleouttheriskofthebanks.SoitiscrucialtostudyonthesupervisionofthebankininformationAge.ThepaperbeginwiththechangesofthebankinInformationAge,thendiscusstheprinciple,mainproblemandpolicyofthesu2pervisionforthebanksofChina.[]Keywords:InformationAgeBankingsystemSupervision[]F83012[]A[]1000-1549(2005)04-0022-052090,,WTO,,,,,,,,,22200543:2005-1-12:(1965-),,,;(1960-),,,,,;,,,,,,,,,,;,,,,,,,(),,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,3220054,,,,1.,,,200312271995318,8,,,20048,20054,,,,,,,,,,,,,,,,24,,24,,,,WTO,,,,,,,,,,,,,,,2.,,,,,,,,,,,,3.,,,,,,,,,,4.,,,,,,4220054,,,,,:;,,5.,,,,,,,,,,,,,,,,,,,:,,,,,,,1.,,,,,,,,,,(1),,,,,,,,,,,,,,,,,,(2),,:,,,,(3),,,,,,,,,,ATM(4),,5220054,2.,(1),,,,,,,,,,:();()(),,,,,,,2003428,,,,;;,(2),,,,,:,,,,,,,,,,,,,,,,,,,,,,:[1]WWW.BANKONLINE.COM.[2]www.sfnb.com.[3]BISBaselOct.1996ImplicationsforCentralBanksoftheDevelopmentofElectronicMoney.[4]1996916TheroleofgovernmentTreasuryconferenceonelectronicmoneyandbanking.[5]BISBaselmay,2001RiskmanagementPrinciplesforElectronicBanking.(:)6220054