| In accordance with the highly innovation of the networking and information technology and the variable development of the bank's business requirement, the online bank sprung up at this specific time. Its appearance makes the traditional bank break the time, region, branch and other constrains to provide convenient and efficient financial service to customers. Comparing with the traditional banks, the online bank has a lot of advantages such as to facilitate the customers' operation, reduce the cost, improve the service quality, etc. However, the information and technology is a double-edged sword. In company with the benefits the online bank's convenience and openness brought, it also causes many specific risks which can hardly be found in the traditional bank. These specific risks challenge the regulatory regulations which are made based on the traditional banks. The safety question is the key factor for the online bank's development. It is necessary and urgent to conduct effective supervision. To perfect the supervision of the online bank is of great significance. Under this background, this paper attempt to analyze the characteristics of the online bank and its risks, research on the current regulatory situations, draw lessons from the experiences of the advanced countries and regions, and provide suggestions to perfect the regulatory provisions for the online bank of our country. |
PDF Full Text Request