Research On The Risks And Supervision Of Online Banking

At present, The speed of China's online banking development is very quickly, more Banks are paying attention to the development, of online business, improving their network system and level of technology's development continuously,innovating their financial products. To be honest, online banking occupies an important position. In the competition of banking industry in the future This paper is a study about the net risk problem of the bank. In the first, the paper introduces the development of the bank on the net, then analyzes the characteristics and causes of the online banks'risks especially the main risks. In scientific reference of foreign online banks'management experience, the paper puts forward the suggestions about how to control the risks, emphasizing on the supervision role of the state to solve the problem of the risks which hinders the development of online banking.This thesis uses the method of combine of experience summarizing and logic deduction. In theory, it refines and summarizes the business condition of international online banks and have some conclusions, and in reference, the thesis wants to discuss Chinese online banks'risk management issues.In the supervision of online banking, the regulators should improve their network technology and explore the cooperation linkage mechanism involved all banks. Trough this way,all banks not only can't damage their respective interests,but also share network resources to prevent network k crimes, realizing the cooperation between the banks and the regulators, the future of online banking will be more prosperous.