[摘要]现阶段银行系统面临的网络金融风险包括:网络金融技术风险、网络金融业务风险、网络金融制度风险,这些风险的产生源自于计算机网络技术支持落后、银行内部控制制度存在缺陷、银行监管不力等方面。网络金融的发展是国际国内金融业发展的最大变革与发展趋势，为了对今后的金融业的走向有一个比较准确的把握，为了保障网络金融发展的稳定性与持续性，很有必要对网络金融的发展变化有一个清晰的了解和把握，并采取加大力度研发具有自主知识产权的信息技术、构造全面的计算机系统防御机制、健全银行网络金融系统安全管理体系等措施防范风险。
Abstract
At present the banking system of financial risk facing network including: financial network technology risk, the network financial business risk, financial network system risk, the risk of produce comes from computer network technology support behind, the bank’s internal control system has defects, bank regulation is slack, etc. Financial network is the development of the domestic and international financial industry development and the trend of development of the biggest change, in order to the financial industry in the future will have a more accurate grasp of, in order to ensure the stability of the network financial development and sustainable, it is necessary to the development of the network financial to have a clear knowledge and master, and take intensify research and development with independent intellectual property rights of the information technology, the structure, the comprehensive computer system defense mechanism, improve the network financial system safety management system and other measures preventing risks.
Key Words：The network financial; Risk; Style; measures
目 录
1 网络金融条件下的金融风险……………………………………… 1
1.1 网络金融技术风险………………………………………… 1
1.1.1技术选择风险……………………………………….. 1
1.1.2系统安全风险……………………………………….. 2
1.2 业务风险……………………………………………….. 2
网络金融的业务风险主要包括法律风险、实用性风险、信誉风险等。…. 2
2 网络金融的特征………………………………………………. 3
2.1 信息化与虚拟化………………………………………….. 3
2.2 高效性与经济性………………………………………….. 3
3 网络金融的风险防范…………………………………………… 4
3.1 技术风险的防范………………………………………….. 4
3.1.1提高技术水平……………………………………….. 4
3.1.2健全计算机网络安全管理体系…………………………… 5
3.1.3统一规划和技术标准………………………………….. 5
3.2 经济风险的防范………………………………………….. 5
3.2.1金融体制革新……………………………………….. 5
3.2.2配套制度建设……………………………………….. 6
