互联网背景下农村金融服务创新与风险控制问题.docx

management systems and measures established by, and a number of pragmatic, combined part-time workforce education information, the protection of the digital campus construction and sustainable development. Six Bureau attaches great importance to information technology security, information technology security, entrust XX City Center for educational information and equipment dedicated to the work. Network security leading group was set up, chaired by the Education Bureau Chief, head, for XX education Metro-network and information security emergency response leadership. Deputy group leader for XX educational metropolitan area network and information security emergency response coordination, command. The team assist leader and deputy leader, responsible for network XX network security and information . Team. Information security work Conference held each semester, and deployment of information security of documents issued on a regular basis. Information security assessment is included in the annual index. Strictly implement the information security budget to ensure information security of investment. By XX, education information and equipment Centre XX network network security and information security. According to the information technology security requirements, issued a document requires schools (units) implement, defined the information security guidelines, specific work practices, procedures, and requirements. Clear industry information security incidents (accidents) to detect, report and disposal processes. According to self-examination, the school (units) basic established has network security management system; the school (units) according to this units actual, established has units personnel management, information system room management, and equipment management, and media management, and network security construction management, and shipped dimension management, and service outsourcing, management system; developed has computer and the network of network security responsibility held system, signed has network security responsibility; website of information management personnel is responsible for confidential management, password management, on computer enjoys independent right, User name and password of the computer for its proprietary, and release of provisions is prohibited, such as leaks, investigated for responsibility. According to who is in charge of whos in charge, who is running and who is responsible for, who uses principles of who is in charge of management schools (units) defined the roles and responsibilities of information security, assurance responsibilities to schools. XX city schools (units) total site 20, 19 of which were not classified security protection assessment, of which 1 (XX education and resource network) for classified security protection levels, without third-level information systems. Total education information systems 1 (XX education cloud platform), contains features with e-Government, resource library, test database, mail services, such as e-books, all intranet services. No for grade protection grading record and evaluation of school (units), requirements the school (units) according to information security grade protection about policy and standard, organization carried out information security grade protection security management system construction, and technology measures construction and grade evaluation, implementation grade protection system of the requirements, makes information system security management level obviouslyfacility up to 160 million Yuan, according to the standard, high quality planning XX educational metropolitan area network realizes Wan Zhaokuan to schools, hundreds of megabytes of broadband to the table, wire (ie: Web, video, audio) to the target, electronic whiteboards, multimedia classrooms, remote interactive video teaching system of modern educational equipment in the classroom. . With Intel company on XX Education City domain network of topic case design, relies on Cisco company thought Shu aid chuan project staff free provides has three years technology support, from 2009 began, according to high standards, and high of work thought, and manpower planning, and points step implementation, using school earthquake Hou reconstruction of opportunities, again planning elementary and middle schools campus network and education city domain network, and local broadcasting network company cooperation, using broadcast TV network, will physical fiber laying to each school, to minimum of cost achieved has physical fiber school school pass; Each school construction standards of campus network and network access to all rooms; XX education metropolitan area network center machine room equipment in the Ministry of education standardization management platform, the Central Library of audio-visual education resources, set up a Chinese teacher education cloud platform, implemented links the two platforms. At present, the citys primary and middle school students to computer 3198, vitality than 10:1; 809 equipment classes through the classroom (primary and secondary); 36 of the campus network. The establishment of an advanced, practical Gigabit educational metropolitan area network, the citys schools have access to educational metropolitan area network, schools have computer networks, closed-circuit television network, broadcast networks into the classrooms, realize the triple play. Schools share Internet bandwidth, can meet the needs of teaching of the school office and at any time. According to Ministry of education on full started implementation teaching points digital education resources full cover project of notification (taught technical letter (2012) 74th,) and XX Province Department of education on issued XX province teaching points digital education resources full cover project implementation views of notification (chuan taught letter (2013) 18th,) requirements, I city 6 a teaching points implementation teaching points digital education resources full cover project, combined I city specific situation, developed issued has XX City Bureau on teaching points digital resources full cover project of implementation programme, Established XX, full coverage of digital resources in modern distance education teaching project leading group, XX, chaired the Secretary for education. Established, digital resources in modern distance education teaching, XX full coverage project group, XX, Director of the Center for educational information and equipment chaired Zhu Guiyan, responsible for distance education digital resources covering project work. Projects in XX city school digital resources in modern distance education teaching full-coverage project leading group, digital resources in modern distance education teaching, and XX full coverage project group leadership and organization, in accordance with the unified arrangement of the whole province, responsible for university education digital resources covering project management and implementation. According to provinces arrangements, I Center has arrangements Gong当前国内主要互联网金融模式：1、传统的金融借助互联网渠道为大家提供服务，如网银。2、类似阿里金融，由于她具有电商的平台，为它提供信贷服务创造的优于其他放贷人的条件。3、P2P模式。主要包括四种：担保机构担保交易模式，这也是相对安全的P2P模式。“P2P平台下的债权合同转让模式”的宜信模式。大型金融集团推出的互联网服务平台。以交易参数为基点，结合O2O（Online to Offline，将线下商务的机会与互联网结合）的综合交易模式。互联网金融特点（一）互联网金融的特点1、信息化与虚拟化。在互联网金融中进行生产和流通的是信息（包括货币、价格、中介服务等），这就直接决定了市场的信息化和虚拟化。2、高效性与经济性。相对传统金融，互联网金融的网络技术更加先进，处理相关的金融业务也更加快捷，具有更好的灵活性，并且没有时间和空间的束缚，能够为客户提供更丰富、更方便的服务，大大提高了服务效率。3、一体化。互联网金融的出现极大推动了金融混业经营的发展，主要原因在于金融网络化的过程当中，客观上存在着系统管理客户所有财务金融信息的需求。互联网金融发展趋势随着科技的不断进步，由原先网银到第三方支付，由国际电汇到电子商务。生活中手机支付、网购保险、网上小额贷款互联网与金融服务的融合加深，大致可以得出移动化、电商化、自金融将成为未来的发展趋势。移动化移动支付的背景是移动通信技术和设备的发展，特别是智能手机和iPad的普及。随着Wi-Fi、3G等技术发展，互联网和移动通信网络的融合趋势已非常明显，有线电话网络和广播电视网络也会融合进来。移动支付将与银行卡、网上银行等电子支付方式进一步整合。电商化自金融电商企业基于交易信息和信用评估为小微企业提供的信贷服务。其中最典型的是阿里巴巴金融，为阿里巴巴、淘宝、天猫等电子商务平台的小微企业提供可持续的小额贷款，金额从数千元到数十万元不等。通过互联网的用户聚合和高速传播的特点，为用户提供直接的投融资服务，资金的需求方和供给方都是个人，取代了原有的机构渠道来进行融资和贷款。宜信、拍拍贷、人人贷等是代表性平台。互联网金融风险分析（一）市场监管风险：混业经营使分业监管存在很大困难互联网金融业务普遍具有跨行业、跨部门、业务交叉性强等特征。如“余额宝”和“理财通”投资货币基金；国金证券联合腾讯公司推出“佣金宝”；中国平安推出移动支付平台“壹钱包”，“余额宝”也出现保险版。这形成了银行业务、证券业务、保险业务以互联网为基础进行深度融合和交叉的模式。而目前中国金融业实行分业监管模式，对于涉及银行、证券、保险等多方面的互联网金融产品，“三会”(银监会、保监会和证监会)谁来监管、如何监管以及各部门如何协调配合，是现有监管体系面临的巨大挑战。跨部门监管协调机制尚不成熟、部门间职能不清等问题，导致互联网金融行业存在很多不规范的领域。如果处理不当，既有可能影响金融创新，也有可能带来监管套利，影响金融秩序稳定。（二）安全风险：技术漏洞、信用缺失以及法律不明确首先，互联网金融既然以互联网为平台，就存在一定技术风险。由于互联网传输故障、黑客攻击、计算机病毒等因素，互联网金融交易面临的风险必须引起足够的重视。其次，中国目前互联网金融信用体系建设仍处于起步阶段，存在很多问题：一是缺少对于客户信息安全的保护机制。二是交易过程虚拟化程度高，真实性不易考证。三是P2P等网上借贷机构缺乏信用担保、违约处置和资本金约束等信用担保要素，管理方与投资者之间合则两利，遇到风险时则“各自飞”。最后，鉴于目前互联网金融行业尚处于无门槛、无标准、无监管的三无状态，导致部分互联网金融产品游走于合法与非法之间，很容易引起法律纠纷，然而现阶段对互联网金融方面我国法律规定并不明确，存在很多漏洞，一旦发生法律纠纷，极有可能损害到投资人的利益。对农村金融的支持与意义日前，国务院会议提出鼓励互联网金融发展，并且对接小微企业和三农领域发展，我认为是将是具有非常非常深远意义的。在中国的普惠金融实践中，积极运用大数据、物联网、移动互联网、云计算等技术，积极服务中国广大的三农工作，已取得了非常好的效果，这是从资金获取，信用建立，能力建设三个方面互联网金融如何帮助他们，我们觉得我们有很大的空间，未来，农村金融的成长空间是巨大的。农村金融的“互联网”计划意味着，涉农金融机构结合当前农村金融服务环境现状和群体特征，研究制定互联网金融服务“三农”的总体方案，全面推进互联网金融在“三农”领域的发展，力争在两到三年时间，逐步建立起适应互联网生态环境、适应互联网用户习惯、满足“三农”群体特色需求的多层次、全业态、开放融合的产品和服务体系，实现存、贷、汇三大类业务无缝融入到以用户为中心的互联网金融生态中，直接对接用户生产经营和生活消费的各类场景。我行目前产品较为单一，涉及的互联网产品较少，一直致力于支持三农、农村工作的发展为重要工作理念，互联网背景下，我行还需努力创造出更多使用于兰考当地农村金融产品，帮助他们快捷有效的满足他们对现代经济发展的需求，互联网金融在给投资者带来便捷与利益的同时，也潜藏着各种投资陷阱。作为银行也我们总结出了互联网金融行骗花招如下：1、金融类钓鱼网站2、理财产品低风险高收益陷阱3、二维码钓鱼网站 4、非法集资陷阱针对以上花招如何识别互联网金融诈骗？随着互联网金融大热，与之相关的各种假冒投资理财网站增长迅猛。从目前来看，这些理财类钓鱼网站主要类型包括：小额贷款办理、信用卡办理、投资理财诈骗等，其中投资理财类钓鱼是目前单笔诈骗金额最高的钓鱼类型。骗子以办理高额度信用卡为诱饵，欺骗网民和自己联系办信用卡。在拿到真实个人信息之后，骗子再要求受害者先办理一张储蓄卡，并将这张卡与骗子的手机号相关联，然后以检查支付能力为借口欺骗受害者向储蓄卡存钱，再迅速利用手机网银或手机支付宝将受害者资金转出这类与投资理财有关的诈骗很常见。目前，随着互联网金融的兴起，网络理财诈骗日益增多。一部分网民有网络理财的需求，骗子便借高收益的承诺来吸引网民，待网民将大笔资金转入，骗子就会一去无踪。网上绝大多数虚假投资理财陷阱均以高额返利吸引投资者，许诺“天天返利、保本保收益”，而一旦“吸金”成功，骗子就会就会立即关站消失，追讨损失十分困难。互联网金融除了带来理财的便利以外，也存在着违约、诈骗行为，投资者应如何规避风险，识别网络理财骗局？“天下没有掉馅饼的事。”交通银行理财经理李沁书称，投资者需要以理性的投资思路作为出发点，那些宣称“天天分红”、“保本保收益”的理财产品和网站项目大多都是骗子，还是少理为妙，而且，在进入网站进行投资理财操作前，应认证网站是否合法、安全。我们建议，为有效防止理财受骗，投资者在购买网络理财产品时，应寻找正规渠道，要看该公司是否是正规的理财公司。更重要的是，网络理财要慎对高额回报承诺，摒弃各种高息的诱惑，“投资者时刻都要保持平和心态，对于过高收益的互联网金融产品必须要保持警惕，这是最为关键的。”在投资时，不要盲目跟风，如果不谨慎考虑就直接投资，可能会对自身财产造成损失。因为涉及网络安全，投资者应定期对电脑进行杀毒。如果下定决心购买网络理财产品，也要合理选择限额、限期。作为银行中立足农村发展的村镇银行，我们不仅通过自查和内部学习避免这些骗术在行员工内发生，也时常带领团队去到各个村中，进行宣传广而告之群众避免上当受骗。消火栓给水系统和自动喷淋给水系统由设在地下二层的消火栓给水泵和自动喷淋给水泵经消防水池到消防给水泵，再向大楼各层消火栓和喷淋管网供水。同时消火栓给水系统和自动喷淋给水系统管网均与屋顶设置的生活、消防共用水箱相连、并通过屋顶设置的消防稳压设备进行稳压。improve, security prevention capacity obviously enhanced, security hidden and security accident obviously reduced, effective guarantees information health development. XX Education Centre regularly carry out day-to-day network security monitoring information and equipment. By the appropriate technical staff, XX network engine room maintenance staff on site management and maintenance on a regular basis, scheduled viewing of networks, systems, databases and associated equipment operating conditions, and make a record. Computer lab maintenance managers regularly run a variety of devices in the school information system parameters, server systems and various data backup, so that there was a hardware failure in a system crash can resume quickly and efficiently. Computer lab maintenance managers establish a network antivirus system, Avira Virus system on a regular basis, and anti-virus software security assessment, time to upgrade. Computer lab maintenance management for all equipment in the room a regular dust, replace the old label. Regularly host servers, network switches, core routing, firewalls, hardware maintenance, such as equipment failure, should be processed in a timely manner in order to ensure safe and reliable operation of the system. In XX city information and equipment was established within the Centre, educational metropolitan area network center machine room XX. Servers and data stores and applications to set up in XX City metropolitan area network center machine room. WindowsServer2003, windowsServer2008, windowsServer2012, Linux, the operating system, the database for SQL Server2008, Office software, such as Microsoft Office software. Schools (units) of computer, information system security products for domestic products, including the use of 360 and kingsoft Internet security software. XX education metropolitan area network used by the server for HP, firewall and information security product for Huawei and Cisco products. In their daily work, to publicize related knowledge and information security considerations. Enhanced global awareness of network and information security, and strive to achieve network everyone knows security and virus before the guard, to improve network and information security, ensure that the XX education system network and information system security. Tracking reporting system requires all parties to strengthen collaboration, work closely with emergency safety plan developed XX education metropolitan area network, regularly carry out emergency drills, and carried out special funds every year to protect the security of information. Annual 2-3 professional training for network managers in the city, forming technology with a strong professional and technical team, school network managers on common network failures and be capable of solving security issues. Issues that cannot be resolved, timely forms of meetings, such as meetings, analysis, and solutions through a meeting, without rolling up the ability to solve problems, and feedback to superiors in writing departments to resolve. Through self-examination, we are well aware, relative lack of investment in education, facilities and equipment for further updates, education development is still uneven, new education concepts need to be further enhanced to some extent and restricting the development of city education. We will take the opportunity of government supervision, to strive for the province education demonstration counties as a driving force, further increase input in education, efforts to promote thelong wing, and Li Wanfu, and Michael Jenkins, and Chen Jian, and Song and xiaochuanyun, 7 bit comrade participate in province backbone face-to-face or network learning, do each teaching points are has teachers participate in training, October 17, 2013, issued XX city education information and equipment Center on requirements the teaching points school for good satellite ground station installation prepared of notification, requirements school related management personnel familiar XX province teaching points digital education resources full cover project construction management manual, Particularly with regard to installation preparation parts according to the point of XX province full coverage of digital educational resources in the project construction management manual . Devices are able to receive TV signals and IP data, the schools have school training and school-based application to use good. Actively organize implementation of a division of a class, a teacher in one class activity. XX in XX city first to complete full registration of teachers working in this city, XX, Sun class rate of 54 per cent respectively, the forefront. In XX, a division of a class, a class a total ranked first in Division activities, was awarded the national ministerial one, 2 provincial second prize, third prize at the provincial level 3. Actively organize implementation of the e-learning space the work of everyone. At present, in the open space of public service platform of provincial educational resources teachers number 2444, 83 to the total number of teachers, student number is 6569 of the open space, the citys total students 18.31 to (junior high school students in 30 above, students not required), registration number to meet the requirements of teachers and students