The Research Of United States And European Internet Banking Risk Supervision

With the rapid development of computer technology and the popularization ofInternet application, Internet banking as a financial and technological innovationproduct emerge as the times require, in twentieth Century to become one of the mostinfluential financial innovation. Network bank through the Internet technology toprovide efficient, convenient, personalized financial services, so that customers nolonger subject to time and space constraints, breaking the traditional banks rely onbranches and sales counters to expand the market mode of operation, greatlybroadening the service field, improve service quality, reduce the cost of the service. Ina short span of 10 years, Internet banking in the world rapid development, become amajor financial institutions to expand the customer, seizes the market the effectiveweapon, the traditional banking business philosophy and business innovation bringshuge impact, aggravate the competition between banks degree.New business development will bring new risks. On network bank to providefinancial service innovation at the same time, because of its business virtualizationbrings risk is more and more complex, the traditional concept of banking supervisionand puts forward new challenges. Although China’s economic development has maderemarkable achievements, but we must be soberly aware of the international financialsituation is still grim, world debt crisis, social and political crisis interweave evolution,while China’s economic base is still weak, banking system remains to be perfect. Ifthe network bank risk cannot be effective supervision, it will influence thedevelopment of China’s banking industry, market of our country is stable, economicdevelopment has resulted in serious consequences. Therefore, through the study anddraw lessons from western developed countries on the Internet banking risksupervision experience, to accelerate the development of China’s network bank andstrengthen the risk management is of great significance. For this purpose, in the studyof European network bank’s risk supervision on the basis of the current situation,summarized, preliminary analysis of China’s network bank risk management ’s present situation and the existence question, proposed strengthens the risk supervising inChina some suggestions. The full text can be divided into three parts:The first part, mainly on the network bank and its risk. First outlines thedefinition of Internet banking, and through comparison with traditional banks, reflectsthe network banking service differentiation, low cost and high efficiency andall-weather cross main competitive advantage, the traditional banking businessphilosophy, financial services, competition, supervision system have had a greatimpact on. Secondly an overview of network bank risk definition and categories, themain risk is divided into operational risk, credit risk, credit risk, liquidity risk, legalrisk, management risk six kinds big. This paper introduces six types of risk in thefoundation, combined with internet information communication characteristics,proposed the network bank risk than traditional bank has its own particularity, has therisk controllability reduce, infectious increase, external factors effect, amplifyingeffect enhanced features such as. Again, using quantitative risk analysis method innetwork bank risk undertook simple quantitative analysis.The second part is the focus of this paper, mainly analyses the risk of networkbank and supervision, characteristic and effect. The network bank in a boomingdevelopment, the system has not yet formed a complete legal system and supervisionmechanism. As the network bank ’s origin, in the United States and Europe networkbank development is rapid and relatively mature, the Internet Banking Law andregulation system of practice has made some achievements, the formation of theUnited States and Europe two regulatory mode. This paper describes the Europeannetwork of bank risk management and development status, based on this first hasanalyzed the network bank risk supervision, followed by introduction of the UnitedStates and European regulatory mode characteristic, supervision level, regulation,regulatory elements and their common characteristics, summarizes the network againand banking risk regulation effect and existence deficiency.The third part, on the analysis of China’s network bank risk management presentsituation and insufficient foundation, put forward to perfect risk supervising in Chinasome suggestions. In the early development of China’s network bank, the relevantlegal norms but is almost vacuum state. Faced with the rapid development of thenetwork bank business, the people’s Bank of China has issued the" Interim Measuresfor the administration of online banking business"," on the implementation of ’ business of the bank on the net ’ Interim Measures for the administration of therelevant provisions of the notice", CBRC issued the" measures for the administrationof electronic banking" and" electronic bank safety assessment guide", the networkbank and change, risk management, data exchange and transfer management,outsourcing management, cross-border business activities management, supervisionmanagement made more detailed provisions, while the network bank securityassessment management guidelines. Although China has formulated relevant laws andtake some measures, largely promoted China s network bank business development inChina, but for the supervision of network bank is still hard to meet the health needs ofthe rapid development of the network bank, still existing supervision system to beperfect, imperfect internal control mechanism, supervision should be adjusted,external environment the main problem such as poor. Therefore, in this article from usand European Internet banking risk supervision on the basis of experience, combineour country national condition, put forward to perfect our country Internet bankingrisk supervision related suggestions: the first , to continue to perfect the legal systemof supervision, including the development of the related regulatory operation manualsand guidelines for the management of Internet bank business, and improve relevantlaws and regulations, clear network the rights and obligations of the bank and thecustomer, establish risk warning mechanism; the second , from the government,industry regulation, bank internal control and social supervision four dimensions tobuild" four in one" regulatory system; the third , to establish a prudent and to protectthe interests of consumers supervision, promote development of the banking network;the fourth , to strengthen the network security, identity verification, credit evaluationand construction, blow network crime, as the network bank development in order toprovide a good external environment.