Research On Risk Supervision Of Internet Banking In Our Country

The emergence and development of Internet is profoundly affecting all aspects of people's production and living. The internet technology applications in traditional banking also lead to the 20th century's greatest financial innovation-Internet banking. Internet banking displays powerful vitality because of its low cost, effectiveness, convenience, widely used, etc. However, it also brings the banking to more complicated risk. Therefore, the security and stability of internet banking become the principal concern problem of financial supervision authority. The financial supervision authority in our country has always been cautious to the internet banking supervision, not only keeping the development of internet banking sufficient space, but also avoiding the Internet banking supervision system too rigid and restraining the development of internet banking. It is an important part for development of internet banking that developing reasonable and effective risk control system. It is undoubtedly important that building and improving the risk supervision system of internet banking, establishing a fair competition in the financial environment, enhancing the public's confidence in the safety of internet banking, promoting the banking steadily developed in the new conditions of technology.In this paper the writer studied the risks of internet banking by comparative, qualitative and quantitative analysis methods. Based on the present situation of risk supervision from abroad, referring the risks supervision successful experience from U.S., E.U. and Hong Kong, we can conclude the revelations that: a complete legal system of supervision, advanced the supervision of technical means and appropriate mode of regulations are the necessary conditions for promoting the healthy development of internet banking. Subsequently, the risk supervision of Internet banking in our country had been discussed in detail ,and the writer found out there were three problems, which including that regulatory laws and regulations have still been inadequate; internal control systems of financial institutions have been weak and risk control measures have not been effective. The writer constructively put forward that constructing the risk supervision system of internet banking must improve the external environment of the network bank, build a scientific risk assessment and precautionary systems, strengthen communication and collaborate of home and abroad, and the writer tried to design the early risk warning systems of internet banking and build the risk assessment system of internet banking. The development of Internet banking in our country could .be health and steady only if we would accelerate the pace of legislation, strengthen internal control risks and improve risk control measures.