伊人直播app官方正版下载_伊人直播高品质美女在线视频互动社区_伊人直播官方版

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圍繞“三個有利于” 加快網(wǎng)絡金融安全體系建設
時間:2014-09-22 12:00:57
文章發(fā)布:李陽
原創(chuàng)作者:未知
來源:學習時報

網(wǎng)絡金融,作為國家金融體系的重要組成部分,是網(wǎng)絡技術(shù)與現(xiàn)代金融相結(jié)合的新興領域,是借助互聯(lián)網(wǎng)、移動通信等技術(shù)實現(xiàn)資金融通、支付和信息傳遞等業(yè)務的新興金融模式,具備低成本、高效率、廣覆蓋、高風險等特征。

近年來,在互聯(lián)網(wǎng)技術(shù)、通信技術(shù)以及網(wǎng)絡金融從業(yè)主體相互競爭三大動力助推下,國際、國內(nèi)網(wǎng)絡金融業(yè)務飛速發(fā)展,呈現(xiàn)出去實體化、去中介化、去行政化、去國界化、去中心化的發(fā)展趨勢,對傳統(tǒng)的有形金融市場、貨幣體系、金融監(jiān)管體系形成了強力沖擊。面對日趨復雜的網(wǎng)絡金融安全形勢,加強網(wǎng)絡金融安全體系建設勢在必行。

網(wǎng)絡金融安全體系建設的方向和原則

新的網(wǎng)絡金融安全體系的構(gòu)建應堅持三個方向和原則,即“三個有利于”。

有利于促進金融業(yè)的健康有序發(fā)展。我們的一切改革都是為了方便群眾,網(wǎng)絡金融安全體系改革也不例外。新的網(wǎng)絡金融安全體系的構(gòu)建,應當把促進金融業(yè)的健康有序發(fā)展作為基本立足點,讓群眾充分享受網(wǎng)絡科技發(fā)展與金融業(yè)態(tài)創(chuàng)新融合互動所帶來的便捷。

圍繞“三個有利于” 加快網(wǎng)絡金融安全體系建設-藝源視網(wǎng)

有利于提高金融業(yè)的安全性。新的網(wǎng)絡金融安全體系的構(gòu)建應當把維護國家金融安全擺在更加突出的位置,在確保金融安全的大前提下,讓群眾充分享受便捷金融服務。一方面,要想方設法保障網(wǎng)絡金融系統(tǒng)內(nèi)部的安全,另一方面要防止網(wǎng)絡金融的發(fā)展對實體經(jīng)濟產(chǎn)生顯性或隱性的劇烈沖擊。

有利于維護貨幣體系的穩(wěn)定。隨著網(wǎng)絡金融的進一步發(fā)展,更多的金融業(yè)務在網(wǎng)絡虛擬空間展開,將對現(xiàn)有的貨幣體系產(chǎn)生一定的沖擊。維護貨幣體系的穩(wěn)定應當成為網(wǎng)絡金融安全體系構(gòu)建的一個基本政策目標。

提高我國網(wǎng)絡金融安全管控能力和水平

為促進我國網(wǎng)絡金融業(yè)的良性健康發(fā)展和確保國家金融安全,必須圍繞上述“三個有利于”的改革方向和原則,加快六個方面的建設,搶抓網(wǎng)絡金融發(fā)展的歷史機遇。

加快推進網(wǎng)絡金融法律制度建設。立足當前我國網(wǎng)絡金融發(fā)展過程中已經(jīng)出現(xiàn)的或者即將出現(xiàn)的帶有普遍性的問題,借鑒國外相關領域法律制度建設的成功經(jīng)驗,加快我國網(wǎng)絡金融法律制度建設步伐,不斷提高網(wǎng)絡金融法律制度體系的系統(tǒng)性、科學性,為我國網(wǎng)絡金融業(yè)的長期健康發(fā)展奠定堅實的法律制度基礎。一是應當盡快制定出臺網(wǎng)絡金融管理條例。該條例旨在初步規(guī)范網(wǎng)絡金融行為,為網(wǎng)絡金融立法工作創(chuàng)造條件、爭取時間。二是盡快研究制定網(wǎng)絡金融法。當前我國網(wǎng)絡金融法律體系建設遠遠滯后于網(wǎng)絡金融業(yè)務的創(chuàng)新發(fā)展,很多領域都面臨著無法可依的尷尬境地。要加快網(wǎng)絡金融立法步伐,盡快彌補有關領域法律空白,明確網(wǎng)絡金融主體的相關權(quán)利和義務。三是盡快調(diào)整現(xiàn)有法律體系?,F(xiàn)有法律體系沒有充分體現(xiàn)網(wǎng)絡金融發(fā)展的要求,亟需調(diào)整和充實。比如說,是否可以考慮進一步補充和完善《刑法》中關于網(wǎng)絡金融犯罪的內(nèi)容和相關條款,加大網(wǎng)絡金融犯罪的量刑力度,威懾網(wǎng)絡金融犯罪分子;《民法》當中也應當體現(xiàn)網(wǎng)絡金融發(fā)展的要求,可以進一步明確,造成網(wǎng)絡金融安全問題的行為應根據(jù)不同情況承擔相應的民事責任。

加快構(gòu)建和完善網(wǎng)絡金融監(jiān)管體制機制。一是明確發(fā)展“紅線”。盡快明晰政策框架,將網(wǎng)絡金融納入監(jiān)管體系,明確監(jiān)管底線,以“負面清單”促發(fā)展。二是建立風險“防火墻”和投資者保護機制。以保證金形式建立行業(yè)風險基金,可參考國際無抵押貸款平均壞賬率(4%~5%),要求線上平臺按信貸規(guī)模繳納保證金,或通過商業(yè)銀行托管P2P企業(yè)資金,防范道德風險。三是建立和完善網(wǎng)絡金融監(jiān)管組織架構(gòu)。研究建立國家網(wǎng)絡金融監(jiān)管局,負責網(wǎng)絡金融日常監(jiān)管;建立國家網(wǎng)絡金融安全監(jiān)測中心,監(jiān)測國內(nèi)外網(wǎng)絡金融動態(tài),為網(wǎng)絡金融監(jiān)管提供數(shù)據(jù)支持;建立網(wǎng)絡金融安全聯(lián)席會議制度,統(tǒng)籌協(xié)調(diào)央行、銀監(jiān)會、證監(jiān)會、保監(jiān)會、工信部、公安部等相關部門加強網(wǎng)絡金融監(jiān)管。四是充實網(wǎng)絡金融監(jiān)管內(nèi)容。重點把好現(xiàn)場檢查和非現(xiàn)場檢查兩道關口。現(xiàn)場檢查要加大技術(shù)、場地以及設備等要素檢查力度,包括網(wǎng)絡金融客戶口令管理、網(wǎng)絡防火墻功能、網(wǎng)絡金融參與者的場地以及關鍵設備的安全情況等檢查。非現(xiàn)場檢查要著重檢查業(yè)務開展情況,包括業(yè)務合法合規(guī)性、交易額、網(wǎng)上銀行客戶數(shù)、業(yè)務覆蓋區(qū)域和盈利能力、受到黑客攻擊和入侵的次數(shù)、受到病毒感染的次數(shù)以及業(yè)務運作系統(tǒng)出現(xiàn)問題的次數(shù)等,及時掌握網(wǎng)絡金融業(yè)務動態(tài)。五是完善網(wǎng)絡金融監(jiān)管方式。充分利用網(wǎng)絡信息優(yōu)勢,建立實時跟蹤監(jiān)測系統(tǒng),加強監(jiān)控,同時采取“制定規(guī)則,巡邏抽查”的方式,對網(wǎng)絡金融的運行狀況及是否“違規(guī)”進行抽查,一旦發(fā)現(xiàn),應及時糾正并給予相應處罰。六是加強行業(yè)自律、提升行業(yè)規(guī)范。通過建立網(wǎng)絡金融行業(yè)協(xié)會,加強行業(yè)自律,提升行業(yè)規(guī)范和風險自控能力,推動網(wǎng)絡金融走上虛擬網(wǎng)絡與實體網(wǎng)絡相結(jié)合、線上業(yè)務與線下交易相結(jié)合、快捷便利與安全穩(wěn)健相結(jié)合的發(fā)展之路。

加快制定和完善國家網(wǎng)絡金融總體規(guī)劃。國家應高度重視網(wǎng)絡金融規(guī)劃,采用“完善頂層設計”與“摸著石頭過河”相結(jié)合的方式,引導網(wǎng)絡金融健康有序發(fā)展。一是由國務院責成相關部門,牽頭整合學界、實務界的資源和力量,制定出臺國家網(wǎng)絡金融發(fā)展總體規(guī)劃,明確總體目標、實現(xiàn)路徑和配套政策。加強規(guī)劃實施的組織領導和保障力量,切實將總體規(guī)劃落到實處,確保網(wǎng)絡金融發(fā)展不出現(xiàn)偏差。二是要高度重視對網(wǎng)絡金融創(chuàng)新的研究、監(jiān)測、分析和風險防控。一方面不斷創(chuàng)造、設計、開發(fā)出新的金融工具或組合金融工具,豐富網(wǎng)絡金融產(chǎn)品層次,推動網(wǎng)絡金融快速發(fā)展。另一方面對各種金融工具可能帶來的安全風險以及現(xiàn)有監(jiān)管體制中可能引致監(jiān)管失效或監(jiān)管缺位的問題,全面、深入、細致的分析和把握,有針對性地做出政策調(diào)整。

加快構(gòu)建網(wǎng)絡金融國際合作機制。隨著綜合國力的逐步增強和國際金融市場份額的不斷擴大,我國應積極推動構(gòu)建公平、公正、有序的國際網(wǎng)絡金融合作機制。一是發(fā)起設立國際網(wǎng)絡金融合作組織。按照從易到難、由點及面、逐步展開的原則,先從周邊國家、友好國家做起,逐一簽署或聯(lián)合簽訂網(wǎng)絡金融合作協(xié)定,聯(lián)合開展網(wǎng)絡金融安全壓力測試。二是推動召開網(wǎng)絡金融安全國際會議。在網(wǎng)絡金融系統(tǒng)風險預警能力建設、國際網(wǎng)絡金融監(jiān)管機構(gòu)職能提升等方面,適時提出主張、觀點,發(fā)揮負責任大國作用。與各國政府加強合作,監(jiān)控國際資本游動,防范國際資本利用我國可能存在的金融系統(tǒng)性缺陷和漏洞,攻擊我國金融系統(tǒng),危害國家金融安全。三是積極倡導和推動建立網(wǎng)絡金融安全國際標準。參與甚至主導國際網(wǎng)絡金融的監(jiān)測、管控和制度建設,維護國際網(wǎng)絡金融安全,為我國的金融安全營造良好的外部環(huán)境。四是著力提高人民幣在虛擬貨幣中的定價權(quán),助推人民幣國際化,搶占國際網(wǎng)絡金融發(fā)展的戰(zhàn)略制高點。

加快推進網(wǎng)絡金融技術(shù)支撐能力建設。大力發(fā)展先進的、具有自主知識產(chǎn)權(quán)的硬件設備和信息技術(shù),擺脫對先進國家的技術(shù)依賴,提高技術(shù)自主能力,從根本上防范國家網(wǎng)絡金融安全的技術(shù)漏洞。一是硬件方面。要重點加強服務器、路由器等節(jié)點設備尤其是其中的核心部件的自主生產(chǎn)能力,并擴大自主設備的應用范圍。二是軟件方面。要重點加強數(shù)據(jù)庫、操作系統(tǒng)、密鑰管理和數(shù)字簽名等自主技術(shù)的發(fā)展

加快構(gòu)建網(wǎng)絡金融專業(yè)人才隊伍體系。一是設立國家網(wǎng)絡金融學院。專業(yè)和系統(tǒng)地培養(yǎng)網(wǎng)絡金融專業(yè)人才。二是加強學科培養(yǎng)。鼓勵現(xiàn)有高校增設網(wǎng)絡金融專業(yè)。財經(jīng)院校要把握網(wǎng)絡金融發(fā)展趨勢,加大金融業(yè)務知識和網(wǎng)絡信息技術(shù)教學的融合力度,對銀行、證券、保險、基金、信托、網(wǎng)絡技術(shù)等相關課程進行交叉教學、復合教學,著力培養(yǎng)復合型、綜合型金融管理人才,為網(wǎng)絡金融監(jiān)管提供高端人才儲備。三是吸引國際專業(yè)人才。有計劃地從國際市場引進急需的專業(yè)人才,改善我國網(wǎng)絡金融專業(yè)人才隊伍結(jié)構(gòu)。四是加強現(xiàn)有人員培訓。積極采取舉辦培訓班、考察學習、交流訪問、掛職實習、委托培養(yǎng)等方式,加強對現(xiàn)有網(wǎng)絡金融人員的培訓,提高從業(yè)能力和水平。建立和完善網(wǎng)絡金融從業(yè)人員資格考試和認證制度,嚴格行業(yè)入口關。

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標簽: 網(wǎng)絡科技發(fā)展 硬件設備和信息技術(shù)
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