The Research Of Internet Banking Risk Management Of China Everbright Bank

With the development of internet technology, internet banking popularized quickly all over the world. As a new economy field in 21st century, it has become an irreplaceable competition instrument among commercial banks. With the general opening to the external market in financial operation in 2006, competition between domestic banks and foreign banks not only focus on traditional operations but also on financial service on internet. Based on Chinese commercial bank's local experiences and advantages in operation development, compared with foreign banks, there is a huge gap in guarding against the internet banking risks not only in the aspect of risk management experience but also in risk control measures. Recently by the occurrence of internet banking cases, guarding against the internet banking risks has become the key work for the relevant supervisory authority and commercial banks'risk control.The practical meanings of this article under such circumstance are: help to recognize and analyze one step further of the characteristics and developing trend for internet banking; help to recognize and analyze one step further of varieties of risk and risk control measures; help China Everbright Bank to make contribution to its healthy and speediness development.Begining with the definition and attribution of internet banking, this article analyzes and compares the difference between internet banking and traditional banking and points out the influence of internet banking towards traditional banks. After that, the difference between those two forms in organization, service and etc. has been discussed. By forecasting the development of internet banking, this article brings forward and analyzes the coming problems in commercial bank opening internet banking service like safety, strategy, legal regulations, and risks in operation. Then, it deeply analyzes possible problems that China Everbright Bank may face and provide corresponding risk avoidance and management measures by considering its actual risk manage situation. Those measures are: the optimization of the organization structure for existing risk management system; suggestions for optimize operation flow in internet banking service of China Everbright Bank; suggestions for risk management in internet banking service of China Everbright Bank Chengdu Branch.Currently, most of the researchers put emphasis on the macroscopically level of risk control on internet banking, which means, discuss its developing status quo, necessity and important meaning, or just recognize the risk and its category of internet banking. The innovation of this article is that it not only analyze risk management on internet banking for both domestic and foreign banks on the macroscopically level, but also, it deeply analyze each aspect of risk management on internet banking and provide its own point of view and suggestions based on real case studies. This is with especially practical meaning and pertinence towards banks that do business online.