The Study On Risk Monitoring And Countermeasures Of China's Online Bank

Online banks are known as E-Banks (Electric Bank), or electronic banks on the Internet. Online banks through modern information technology, with low cost, high efficiency, convenience and widespread use show the strong vitality and rise to an upsurge of the Online banks in the field of international finance. Online banks are becoming an important means of financial institutions in broadening their service areas, achieving business growth ,adjusting managing strategy and promoting the development of finance. But because of having the double features of modern information technology and the banking industry, a series of new risks are caused on the basis of the traditional banking general risks and greater challenge is brought to the banking supervision and risk prevention. Therefore, while the online banks are created and developed, preventing and resolving network risks for the banks to ensure the security of the operation of the country's finance is an urgent task.This paper absorbs some of the research results of the predecessors, gives an in-depth analysis on the causes of the risks of online banks ,and reveals new risks of online banks besides the traditional risks. On the basis of studying the recent risk monitoring and measures of online banks at home and abroad ,the establishment of the risk control framework design of China's online banking system and the building of risk monitoring and warning system of China's online banks are raised, the concept of how to establish specific strategies on supervising system of online banking in four tiers: national, industry, business, customer has been deeply studied.