Research On The Risk Prevention Of Electronic Bank In China

With the continuous application of Internet technology, the financial sector will increasingly highlight the networked trend, so the new concept of electronic bank also arises at the historic moment. In 1995 October, the United States security first network bank as the world’s first Internet bank was born, which undoubtedly marks the development of the bank industry entered a new stage of development of the state: new and mode of operation of the electronic banking service stage.Since the beginning of twenty-first Century, in financial deepening globalization under the background of the development countries, intensified competition between banks. Electronic banking to network media, borrowing the advanced technology and the power of science and technology, become the new financial innovation is different from the traditional bank. He mainly including Internet banking, telephone banking, mobile banking, self-service bank type. Electronic banking using the Internet technology has brought great changes to the banking industry, compared with the traditional banks, it is convenient, work efficiency higher characteristic. It can be said that the rise of electronic bank not only changed the operation mode of the traditional bank products and services, the bank innovation, but also is a bank operating costs are greatly reduced, to win greater profit space for the banking industry, to some extent, only by grasping the advanced technology, in order to rapid development today, great progress for the banking industry to provide an inexhaustible motive force, commercial bank is also aware of this point to more attention to the development of electronic banking, to constantly improve their competitiveness. So we can say, to "no important stage paper world" changes in the financial industry, the development of electronic banking will become a trend.Since twentieth Century when China seventy years into the electronic age, has made remarkable achievements in business, the system etc.. But in the development of electronic bank like bamboo shoots after a spring rain like, although it to our work, life has brought great changes, we should also see the huge risk, it brings on the basis of this, the risk prevention of electronic banking has become close attention has always been an important research topic we need to work with. Firstly, the connotation of electronic bank characteristics and development situation of our country to carry on the elaboration, and then review and understand the relevant theory of electronic banking risk prevention, so as to lay the foundation for following analysis; secondly, in-depth analysis on the risk and prevention of electronic banking in China, a more thorough understanding on the electronic bank finally, based on the summary; foreign electronic banking risk prevention measures, and puts forward the feasible suggestions, so as to promote the electronic banking industry in China, the healthy and orderly development.