如何防范網(wǎng)絡(luò)金融風險外文翻譯-其他專業(yè)-文庫吧
2024-12-30 10:31 本頁面
【正文】 asis for survival. 2. Business risks. (1) operational risk. Operational risk from the system reliability, stability and security caused major defects in the possibility of potential loss may e from the negligence of online financial customers, may also e from the financial security system work and its products, design flaws and operational errors . Operational risk relates primarily to authorize the use of online financial accounts, the work of financial risk management systems, works, financial institutions and the exchange of information among customers, true and false recognition of electronic money. (2) the risk of market signals. Market risk is due to signal asymmetric information work of financial institutions led to the face of adverse selection and moral hazard arising from business risks. Such as Inter banking customers can not identify the risk level of the Inter at a disadvantage, online customers may use their hidden information and action to make the work to their advantage at the expense of the interests of the decisionmaking banks and leaving because of adverse public ment on Inter Banking Risk of losing customers and sources of funding risks. (3) credit risk. Reputation risk is the work of financial institutions can not create good customer relations, can not establish their own good reputation, and thus can not engage in financial business. Once the virtual work of financial institutions to provide financial services can not achieve the expected level of the public, or adverse reactions in the munity, or work security system of financial institutions have been destroyed to form a work of financial credit risk. 3. Legal risks. The legal risks of financial works, mainly from two aspects: First, violation of relevant laws, regulations and system requirements, and online transactions failed to ply with the provisions of the relevant rights and obligations. These laws and regulations, including consumer protection laws, financial disclosure system, privacy protection, intellectual property protection law and currency system. Second, the lack of work financial law. China Inter Finance still in its infancy, is still quite a lack of appropriate laws and regulations. Therefore, using the Inter to provide or receive financial services, signed an economic contract rights and obligations in the face considerable legal risk, vulnerable to undue disputes, not only increase the cost of online financial transactions, and even affect the Development of the financial health of the work. Third, improve the work to prevent and control financial risks Point of the work of financial risks, involving a wide range of interests, it is necessary to perfect legal environment, strengthening access management, a sound regulatory system, adjust the regulatory strategy and other aspects, a multipronged, prehensive treatment. 1. Improve the legal system. (1) legislative efforts to increase the work of financial, clear the work of
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