A Research On The Risks And Supervision Of Internet Banking In China

The platform of internet,accelerating the network bank development. Internet banking exists and develops with the characteristics of convenient, fast, all day long, low cost, high efficiency, globalization operation, etc, which can improve efficiency and quality of banking services. Compared with the traditional banks, internet banks are quite different, with open environment, virtual trade, complex security technology, etc., which are critical sources of risk. As the expansion of the business scope, internet banks have to face more operation risks of extensive business than traditional banks, and also the security technical risks that are critical to internet banks, forming a serious challenge to the banking supervisory system of traditional banks. Imperfect laws and regulations can not provide a safe, transparent, and rule-based legal environment to carry out on-line banking services , forming a challenge to the banking supervisory systemThis paper, first of all, gives a description of internet bank profile, such as internet banking background, definitions and service types. Then it analyzes the actual situation of China's online banking and types of risks, focusing on analysis of operational risks, running risks, reputation risks, outsourcing risks and web link risks and so on. In order to prevent and reduce financial risks, challenges are brought forward to traditional banks by internet banks. Supervision systems of foreign banks are analyzed in the comparative research methods, giving a comprehensive introduction to the successful experience of foreign regulatory system.Leaning towards the refining of successful experience. Comparative analysis of foreign regulatory systems, this paper proposed a "four in one" regulatory system Which is the guarantee of the Internet Banking...