E-banking Risk Supervising In China

As a financial innovation product, e-banking has gained speedy-growth since it commenced later last century. Through this totally new channel based on internet, customers can carry out most banking business. Now in China, with the exploding development of internet technology, either the state-owned commercial banks, or the joint-stock banks have set up their own e-banking systems, and have opened up the financial business in this new area. Hence, the potential market for e-banking is very large.Risk supervising has always been an important composition of the commercial banks' development strategy. With the speedy development of e-banking, we should keep sober-minded that to establish and perfect the risk supervising system for e-banking is a significant point. Having been engaged in e-banking service for several years, the author realized profoundly that only under a perfect supervising system, e-banking can gain healthy and speedy growth, avoid capital risk and make capital flow turning round accurately. This text starts with the contents and characteristics of the e-banking system, based on advanced experiences of foreign banks, and combined it with the drawbacks and difficulties in the implementation of the supervising for e-banking in our country, and tried to construct the building block of the entire system framework.