金融业务网络化对我国金融监管的挑战与思考

金融业务网络化是21世纪金融业务创新的焦点，它在给人们带来极大便利的同时，产生了许多以往时代不曾有过的金融监管新问题：一些非专业化的机构参与了中央银行独断的货币发行功能，使货币政策效应大打折扣；资金的跨国流动使国家安全问题凸显出来；原有银行业务流程由于已不适应经济发展需求必须进行再造；利用网络银行犯罪则从另一个侧面反映了金融的脆弱。基于此，如何从深层次上分析这些问题出现的原因，探讨构建面向21世纪的金融监管模式，是金融监管理论和务实面临的一项紧迫的任务。

On the Impact of Commercial Network on Commercial Monitoring in China

Commercial network has become the key point of commercial industry innovation in 21 century, which brought convenience as well as new problems that has never occured in the past decades. Some non-rofessional institutes have taken part in the currency circulation which used to be carried out by central bank only and eventually decreased the efficiency of monetary policy. National safety is affected with the exchange of currency among countries. The bank operation progress should be improved to adapt to economy development. And network crimes also reflect the fragility of commerce. Therefore, it is an emergency for commercial monitoring to analyze the reasons thoroughly and discuss new models of commercial monitoring in 21 st century.