A Research About Risks Of E-Banking

This paper is a research about the problems facing e-banking, according to the staus quo of e-banking in China. Although e-banking has developed remarkably in the past few years, law risks and operation risks constrain its development and seriously erode confidence of consumers with e-banking. According to actuality of supervision of China, this study provides measures to tackle thses problems. The key issue to control law risks is to establish a framework of e-banking, which is consistent with the relative international standards and the status quo of China. While we establish the rules for internal controlment of security, it is must be combined with the appliance of technique of Digital Signiture, Certificate Authority, etc. The contents of the five sections are as following:Secton 1 studies about status quo of e-banking in China, the contents of e-banking, the necessity of developing e-banking, and the categories of risks related with e-banking.Section 2 focuses about law risks and operation risks which are the main sorts of the risks according to the surroundings and the character of e-banking in China. Then gives the basic reasons of the eroding confidence of consumers with e-banking~law risks and operation risks of e-banking.Section 3 is about the status quo of supervision of e-banking in the developed countries, which is an orientation and useful model for our development in e-banking.Section 4 is a studies about status quo and dilemmas of supervison of e-banking in China.Section 5 talks about law framework of e-banking, which is consistent with the international standards and surrounding of China. Because of the borderlessness of e-banking, it is very important that our law system of e-banking is consisten with that of the international. This section use Model Law of Electronic, which is drafted by United Nations Commerce & International Trade Association of Law(UNCITRAL). Then integrate these principles to The Contract Law of China and finally gives a framework of e-banking of China. Henceforth it is suitable to the conditions of China. To control the operation risks of e-banking, it is nessary to perfect the appliance of technique such as Digital Signiture, Certificate Authority and so on. And at the same time to establish the rules of internal controlment of security of e-banking.