Research On Construction Of Network Banking Management System And Supervision System

1.Main Content and viewpointNetwork banking will be the core of network economy if finance be the core of modern economy.Network banking results from finance innovation basing on finance industry and modern network information technology.Security First Network Bank(SFNB) which appears in USA in 1995 is the first network banking in the world.Since then,network banking affects and impact greatly on the traditional banking industry and even the whole finance industry while it is developing quickly in the world,holding more and more important position and performing an important function.Network banking affects and impacts on traditional finance management system and supervision system which grow up in the non-network environment while it is affecting and impacting on traditional finance industry.Whether do tranditional finance management system and supervision system continue to be applied to network banking or not? Whether do new management system and supervision system need to be built or not?How is traditional finance management system and supervision corresponded with network banking if new management system and supervision system is not essential?How is new management system and supervision system built if it is necessary? However,there is not enough resear ch on network banking management system and supervision system.So it is very important to research thoroughly integrallty on this problem.This paper which is consist of seven chapters brings forward such theories on network banking's reality,function,risk and supervision and management."Reality Theory":This theory, being the jumping-off point of this paper'research, is concerned with basic theory problems on network banking. The part thinks that network banking is the important part of financial body or bank which provide or deliver electronically to customers banking or other financial products and services through intranet or specific local area network(LAN),internet or other public net.Network banking has such properties as enterprise character,banking nature,network quality which is different from general non-enterprise, non-banking body and not-network body while it holds common specialities with these bodies.And then the part which discussing the sorts,standard,condition,evolvement and its reason of network banking ,considers that network can be categorized by nationality, operation, body and other subjects,thinks that the most essential standard or yardstick of network banking is whether savings or deposit and loan are provided through network or not,deems that network banking has general conditions with commercial bank while it has special condition as network body,and considers that network banking result from such reasons as information network technology, centralization of capital,finance innovation, internationalization of statute,competition advantage of network banking and so on."Function Theory":This theory,discussing network banking's functions,deems that network banking's functions means that it has active obverse advantaged action or activity,believes that there is a close relations between its functions and frame,and thinks that it possesses basic revealable positive function while it has secondary recessive negative function.The basic function means that it has such functions as convenient payment, providing savings or deposit,and providing loan in order to satisfy directly it major objective demand;however,the secondary function means that it has such functions as information query service, network financing service to realize it basic function.The revealable function is such functions that are desiderated and known by participators in network banking;meanwhile, the recessive function is such functions that are not desiderated or not known by these participators.The positive function means the obove-mentioned basic functions and secondary functions while the negative function is risk aftereffect,for example its damage,cost and expense bearing hereon."Risk Theory":The theory,concerned whith network banking's risks, thinks that network banking as a bank has more risks than other bodies on their business if there was any risk on any business.Network banking's risks which have such characters as system, infectivity and globality result from commercial bank's special management object(that is currency),high debt,information asymmetry and other factors. Network banking in internet environment will have more serious risks and damagements which is coming from network banking's speciality and related unsound law and system than commercial banks in non-internet environment if any commercial banks in non-internet environment had any risks and even very serious sequent."Supervision and Management Theory":The theory,discussing supervision and management on network banking, is keystone of this paper.It is divided into three parts.Part One:The part, being the jumping-off point of this paper'research, answers mostly the question"what is it".The part thinks that network banking management system means that it is such system that is concerned with management form, setting of management institution,partition of management power and responsibility,measure mechanism and management means,and that its key is such problems as"responsibility,power and benefit",considers that network banking supervision system means that it is such system as is related to examination,inspection,supervision on network banking,protests that there are some sameness as well as distinctness between network banking management system and network banking supervision system which have their particularity in management object,principal party,content,scope and manner.Part Two:The part,containing Chapter Two,Chapter Three,Chapter Four and Chapter Five,answer chiefly the question"why is it so"which concerned with theoretic foundation,historic rootstock,international comparison and practical bedrock.In Chapter Two,universality ,particularity and contributing factor of network banking would be considered to choose whether network banking management and supervision system is necessary or not,then governmental and nongovernmental management and supervision function would be brought fully into play,and first priority would be given to Function Model of management and supervision while we build special network banking management and supervision system.In Chapter Three,we think that network banking management and supervision system is born out of traditional banking management and supervision system,but on the other hand the former differs from the latter,and many kinds of models on network banking management and supervision result from historic economic political jural and other factors.In Chapter Four,the chapter analyses similarities and differences and their reasons of network banking management and supervision among different countries or region,and then point out that we should use for reference and absorb other countries'advanced experience and successful practice,not to copy it.In Chapter Five,after looking back on the appearance and development and their causes of network banking management and supervision in our country,this paper anatomise the problems, malpractice and their whys,and indicate that many serious problems in management and supervision main body,on scope and content,on standard,in manner and on law basis in our network banking management and supervision system result from cognition,development level of network banking,administration system, legislation level and so on.Part Three: The part,covering Chapter Six and Chapter Seven, resovles mainly the problems"how to do it"concerning with its countermeasure and demonstration by cases.In Chapter Six, the paper points out that the goal of network banking management and supervision system is safety(or order),efficiency(or benefit)and equity(or egality),and its principles include definition of management and supervision goal,healthiness of main body system, reasonable partition of management and supervision responsibility and due process,suggests that we should choose oblate network UFO model on network banking management and supervision system,consider that governments'authority should be restricted severely and their more liability be stipulated while the power be enlarged by law ,thinks that management and supervision standards should be upgraded by international practice,and deems that dynamic network banking monitor and control information system should be built on the base of network.Of course ,there are many conditions to be satisfacted with in order to build the above system.In Chapter Seven,the paper make a demonstration research by cases taken place in china.2.Main Contribution or innovationFirstly,novelty of subject.There are some research findings concerned with network banking and management and supervision on network banking in the world since 1995,but there are no technical systemic research findings on network banking management and supervision system so far.Therefore,this paper supplys a gap in the field and makes a first step.Secondly,novelty of angel of view.Network banking management and supervision system construction is a new systemic problem which is related to government management and supervision,trade self-government,society surveillance and interior surveillance at home and abroad etc..Other persons'research which lay particular stress on network banking behavior or governmental behavior discuss only one or some problems of network banking or governmental management and supervision.But the paper,which is based upon giving attention to two or morethings to systemic research,emphasize particularly on governmental management and supervision, and pay attention to network banking management and supervision organization frame and power or right ordonnance,and give prominence to system self.Thirdly,novelty of viewpoint.The author do his best to bring and demonstrate different viewpoints in this paper.For example, he consider that network banking has such characters as enterprise, bank and network,claim that the target of network banking management and supervision system construction should include safety (or order),efficiency(or benefit),and equity(or egality), and its principles include definition of management and supervision goal,healthiness of main body system, reasonable partition of management and supervision responsibility and due process,then suggest that we should choose oblate network UFO model on network banking management and supervision system,consider that governments'authority should be restricted severely and their their more liability be stipulated while the power be enlarged by law ,thinks that management and supervision standards should be upgraded by international practice,and deems that dynamic network banking monitor and control information system should be built on the base of network.Fourthly,novelty of method and information.This paper research network banking management and supervision system by the numbers and thoroughly by exercising synthetically economics, the science of law and management science and other science and by historic review, comparative study, theoretic analysis,and demonstration analysis and etc..Furthermore, there are a lot of literature in this paper, such as more than 340 reference literature, more than 1,000 notes, approximately 50,000 words in the note.