| After entering into 1990s, with the rapid development of the information technology, the information circulation ways of the society changed basically on the background of network economy. Traditional information matrix style circulation substituting by network style and the distributing style, with this change bank industry began its institutional transition. New form bank: internet-bank appears, and develops rapidly.The appearance of the internet-bank has not only changed management and business operation mode of the traditional bank, but also has changed the form of the bank. It makes the bank service model changed from the entityization to fictitiousization, offers the new-type financial service which not limited by space-time to customer. It has widened the service field of the bank tremendously, has improved the service quality of the bank. Against what this profit that the new technique brought was the new financial risk that the internet-bank brought. The internet-bank's operation has some characteristics, such as information network of globalization, all-weather operation, production and sales is gotten in touch with directly, virtual financial service etc. Besides credit risk,the liquity risk and market risk which the traditional bank have , the internet-bank has some special risks such as security risk of the system, the signal risk of market, legal risk,etc.These risks are intimidateing healthy development of the internet-bank, financial constitution and consumer's benefit. So, it is very essential for the risk of internet-bank to carry on perspective theoretical research and analysis. This text is based on existing risk control theory of bank, combines the practical conditions of the internet-bank, uses many kinds of research approaches such as model, reasoning and summing up, etc., learns and absorbs successful experience and the theory about the risk of the internet bank both at home and abroad. It inquires the problem of internet-bank's risk-protection from the financial supervision department and internet-bank, and then has put forward content, principle and management measures of internet-bank's risk-protection. This text follows the following train of thought and clue to analyse:Chapter one: Implication of internet-bank. From the concept of the internet-bank introduce two development models at present: pure internet-bank and branch type internet-bank, and development history and current situation of internet bank. Then introduce the technology, organization and form of internet-bank briefly. At last analyse the reason that the internet-bank appears in terms of transaction expenses theory of institutional economics.Chapter two: The risk of the internet-bank. From economics principle, has introduced three kinds of most popular definition about the risk at present: Damage Certain and Damage Uncertain theory, Expect and Actual Result Change theory, and the Objective and Subjective Risk theory.Secondly, classify the risk of the internet-bank from financial supervision department and internet-bank; Thirdly, analyse the reason of forming the risk of internet-bank from technology,morality,system innovation etc. At last analyse the risk with mathematic model, then draw the formulation of the risk.Chapter three: The necessity of internet-bank risk-protection. In the economic documents, there are three kinds of important regulation theories: the Public Interest Theory,the Capture Theory and the New Economic Theory of Regulation.Because the internet-bank is a very important one of all kinds of industry in social, regulation theory suits internet-bank. Regulation theory offers theoretical foundation on risk-protection of internet-bank. According to social interests theories, regulation theory is used for solving the problem of the market mechanism that doesn't work. The purpose is to reduce or dispel natural monopoly, externalities and asymmetric information etc. Then to analyse necessity of banking supervision should prove that market does not work, which was caused...
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