我们知道，科技与经济是始终社会发展的关键因素，随着计算机网络和信息技术的发展，互联网在经济领域中的应用越来越普遍，网络经济——这一新的经济形态在此环境中产生并蓬勃发展，对当前经济社会产生了空前的影响。在这样的时代背景下，网络与金融行业的发展都面临着新的机遇和挑战，同时也促使我们的科研工作者们在观念、理论、技术、和实践上进行积极的探索与创新。《2010年网络与金融发展高层论坛论文集》是由湖北经济学院主办的2010年网络与金融发展高层论坛学术大会中收录的优秀论文汇集而成的。其作者大多是在金融、网络和信息技术领域中的科研与教育工作者，他们针对新的经济形态下的金融业务、金融风险、网络银行、电子商务、网络技术以及网络安全技术等方面进行了深入的研究、分析和探索性的实践，论文的选题、观点、理论与技术具有相当的时代感和现实意义。由于时间仓促，本论文集中或有疏漏与不妥之处，敬请广大读者批评指正，我们欢迎任何宝贵的意见和建议！我们由衷的希望，随着《2010年网络与金融发展高层论坛论文集》的出版发行，可以促进更多的科研工作者、业界实践者、教育工作者们参与到新的经济形态下金融业、网络以及信息技术的研究与实践中来，从而加快我国经济建设的步伐，并为世界科学技术的进步，做出积极的贡献。
Contents
On the Error Handling and Safety Control in Electronic Funds Transfer
Yu Zhang…………………………………………………………………………………………………………………………… (1)
A Study of Emerging Third-Party Payment and the Profit Model in China
Wenyue Zhang, Shuning Wu, Bin Gu……………………………………………………………………………………………… (5)
Service Quality of Financial Network of Educational Institutions in India
Seema Shah, M. D. Tiwari………………………………………………………………………………………………………… (8)
Study on the Recognition and Precaution of Financial Note in Network Economy
Helong Li, Yisheng Yu…………………………………………………………………………………………………………… (11)
The Impact of E-money on the Monetary Channel of Monetary Policy
Liang Liu………………………………………………………………………………………………………………………… (15)
Efficient Construction Practice Safe E-commerce Net
Guijun Jia, Wenyi Cai…………………………………………………………………………………………………………… (20)
The “Lemon” Problems in the E-business
Yucheng Zhao…………………………………………………………………………………………………………………… (24)
Game Analysis on Credit Problems in C2C Electronic Commerce
Guangge Lv, Fenhe Zhi, Jinghai Ao……………………………………………………………………………………………… (28)
Design of Secure Internet Payment System Based on BtoB
Kai Xiang………………………………………………………………………………………………………………………… (31)
On the Risk Control of Electronic Banking
Xia Lu…………………………………………………………………………………………………………………………… (39)
Information Safety Problems and Prevention of Network Bank
Fang Shao………………………………………………………………………………………………………………………… (44)
Internet Banking Transactions’ Technical Risk and its Prevention
Feng Zhang ……………………………………………………………………………………………………………………… (48)
The Analysis of the Asymmetric Information Influence on the Internet-Banking
Pengbo Yang……………………………………………………………………………………………………………………… (52)
Evaluation Research on Electronic Bank Service Quality
Xin Zhang, Xinlan Zhang………………………………………………………………………………………………………… (56)
Study on Mechanism Construction of Information Security Guarantee in Internet Bank
Yongqing Ma……………………………………………………………………………………………………………………… (61)
The Information Security System of Commercial Bank Based on SOA
Ying’an Cui, Hui Xia……………………………………………………………………………………………………………… (65)
Regarding our Country’s Network Bank Information Security Question Comprehensive Topology Analysis
Lingling Zeng, Jun Li…………………………………………………………………………………………………………… (69)
The Influence on Consumers’ Choice by Traditional Bank Image and Online Bank Sub-Brand Image
Junfeng Liao, Zhenquan Sha, Zhongqiang Wang, Rui Cheng…………………………………………………………………… (77)
Study on the Interest Rate Risk of China’s Manufacturing Sector
Qingqiu Chen, Lizi Zheng………………………………………………………………………………………………………… (83)
Inherent Fragility of Credit Risk Transfer Mechanism: Reflection on the Formation of Subprime Crisis
Zheng Zhao……………………………………………………………………………………………………………………… (87)
III
Mathematics in Credit Risk Management: Some Issues in the CreditMetrics Model Application
Qingmei Tao……………………………………………………………………………………………………………………… (93)
The Risk Measures Base on Expected Losses and the Empirical Study
Yulian Fan………………………………………………………………………………………………………………………… (96)
Study on Value at Risk of Investment Portfolio Based on Copula Theory
Jianhui Yang, Ruijun Mo………………………………………………………………………………………………………… (103)
Z-Score Model in the Credit Risk Management for Commercial Banks in China
Feng Xu, Hao Wen……………………………………………………………………………………………………………… (108)
Measuring the Foreign Exchange Risk Based on EVT and Copula Model
Jidong Cai, Lin Xiong…………………………………………………………………………………………………………… (112)
The Influence of the Financial Crisis on International Factoring and the Risk the Exporters Facing
Zhuzhi Hu, Jiazong Hong……………………………………………………………………………………………………… (118)
The Risk of the Soft Clause of the Letter of Credit and the Counter-Measures in the International Trade
Xuandeng Xue…………………………………………………………………………………………………………………… (127)
A Quality of Service Aware Multi-Path Routing for TDMA-Based Ad Hoc Networks
Yuan Li, Xing Luo……………………………………………………………………………………………………………… (132)
Security Architecture and Defence Strategy of 3G Mobile Communication System
Xinhe Hu, Boxiong Yang, Ling Lv, Ying Chen…………………………………………………………………………………… (137)
Strategies for Optimizing Public Train Transport Networks in China: Under a Viewpoint of Complex Networks
Zhichong Zhao, Jie Liu………………………………………………………………………………………………………… (140)
Design and Implementation of P2P Grid Resource Vision and Analysis System
Zenggang Xiong, Xuemin Zhang, Xuewen Xia, Jianxin Chen…………………………………………………………………… (145)
A Flow Mechanism of Dynamic Optical Network Base on the Fuzzy Control Theory
Zhuanhua Deng, Wei Li………………………………………………………………………………………………………… (150)
Ant Colony Algorithm for Flexible Graph Layout
Yuncai Zhou……………………………………………………………………………………………………………………… (155)
The Combinatorial Tree Method of Solving Nonlinear 0-1 Integer Programming Problem
Laizhong Song, Xianbo Zhang, Miansheng Yi…………………………………………………………………………………… (159)
GA-Based Classification and Bank Loans Risk Early Warning
Danyang Zhang, Hongwei Zhang……………………………………………………………………………………………… (165)
Socket Programming in the Banking Collection Service Counter System
Gang Wang……………………………………………………………………………………………………………………… (170)
Application Research on Fingerprint Attendance Closed in Different Intervals
Shusen Zhang…………………………………………………………………………………………………………………… (175)
Design and Implementation of the SOA-Based Anti-Money Laundering System in Commercial Banks
Xue Li, Xiaogang Chen………………………………………………………………………………………………………… (180)
Research on the Query Performance Optimization Based on the DB2 UDB
Di Liu, Guihua Li……………………………………………………………………………………………………………… (185)
Face Recognition and Registration Research Based on the Floating Population
Boxiong Yang, Xinhe Hu, Ling Lv, Ying Chen…………………………………………………………………………………… (189)
An Exponential Lévy Model for Stocks Paying Discrete Dividends
Guochao Jiang, Hailing Dong………………………………………………………………………………………………… (192)
Analysis of Hedging Transaction Exposure Using Financial Contracts in International Financial Market
Hua Liu, Xiaojin Sun…………………………………………………………………………………………………………… (196)
IV
Rui Liu, Jiangfeng Li
Integration and Fluctuation Analysis for Stock Market: Hong Kong, Shanghai and Shenzhen
Miao Nie, Gang Li……………………………………………………………………………………………………………… (200)
Non-Tradable Shares Reform: Perspective from Changing in Use of Proceeds from Refinancing
Yajun Chai, Bo Liu……………………………………………………………………………………………………………… (205)
The Fundamental Principle of Conservation of Physical Money: Its Violation and the Global Financial System Collapse
Murad Shibli…………………………………………………………………………………………………………………… (210)
On Yuan’s Exchange Rate and its Impact to the Sino-US Bilateral Trade in the Post-Crisis Era
Wenjing Wu, Shangjie Gao……………………………………………………………………………………………………… (218)
Stock Market and Economic Growth: Does it Cointegrated or not in China?
Fengqiang Li, Zhenling Liu……………………………………………………………………………………………………… (223)
Product Innovation of China’s Mutual Fund
Yixuan Cai, Feng Xu…………………………………………………………………………………………………………… (228)
The Global Operation of Chinese Enterprises in Network and IT Times
Youkun Mo, Dan Wang………………………………………………………………………………………………………… (232)
Suggestion on Improving Network Service Quality of the Insurer
Wei Zhang……………………………………………………………………………………………………………………… (236)
The Development and Implication of France Carbon-Trading Market
Dechun Huang, Lu Xia………………………………………………………………………………………………………… (241)
The Development Strategy of Chinese Cartoon Industry under the Impact of Japanese Anime
Xuandeng Xue…………………………………………………………………………………………………………………… (245)
The Use of Dual-Threshold Extraction of Waters Based on LIDAR Data
Chunjing Yao, Hongchao Ma………………………………………………………………………………&
2010 Organizing Committee NFD, Scientific Research Publishing