Internet Banking Development Status, The Question And Response Options

Internet banks, derived from the connection of the modem information technology and traditional banking, is the form of financial service for clients through public web channel, such as Internet, World Wide Web, and so on. Since Internet banks appeared, great changes have taken place in traditional banking. Internet banks—with higher-efficiency, lower-cost and agility characteristics—supplies omni-directional, all-weather, convenient and shortcut service for clients. Internet banks are the virtual counters in the Internet. As a sort of new things in networks economics era, they are not only the consequence of the computer networks technology development, but the necessity of E-commercial development as well. The improvement of Internet banks has changed business ideas of chartered banks, meanwhile, been a kind of new form of financial service methods and financial enterprise structures.From the Internet banks' competitive advantage and affect to social economy, first of all, this paper reasons the theoretic basis of Internet banks' development, compares Internet banks' development with any other countries, introduces the status quo in China; Secondly, it popularizes Internet banks' beneficial operations. At the same time, it wholly summarizes existed issue in the development of Internet banks, especially in networks safety and networks risks. At the end, with analyzing networks safety and risks, this paper suggests taking effective precautious measures and developing Internet banks. Of Course, this paper pays much more attention to introduce incomplete code, irregularity in the electronic payment operations, progressively networks financial crime, as well as, how to take effective technological measures to all kinds of ubiquitous networks risks. ( for example, SET, SSL, CA, FIREWALLS, Encryption techniques etc.)The intention of writing this paper is to probe and study the existed issue of the development of Internet banks on the base of Internet banks theory, especially, the risks issue in the aspect of law, technology, operation and networks safety, etc, so as to propose some sound suggestion. The approach to solve those problems mentioned in the paper is to international comparison and reference in the Internet banks' development. This approach to catch our eyes is to introduce home and...