| Since1990’s electronic business has developed rapidly, which is ofgreat significance in promoting the development of are conductive topromotion of online banking. Online banking business as a new type ofbank business, it has characters such as convenience, space cross-cuttingand running environment of openness. Though these characters have theirown advantage, they also have risks which are different from thetraditional banking business. Based on analyzing these characters, manylegal issues come out for lack of related legal rules and supervisoryprovisions. And then, including operational risk, reputation risk, legal riskand regulatory risk and so on a series of risks and issues appeared whenusing the online banking business.Regular management and active supervision should be stressed tokeep this business going normally and orderly. It is necessary to set strictterms entrance and quit to market, clear the responsibilities of regulatorybody, establish a mechanism for the coordination of internal controlsystem and so on. It is also necessary to perfect its procedure anddemands of applying, approving and putting on files.This paper is on the basis of the concept of business of onlinebanking and online banking risks, to analysis the cause of the risk, at last,the candidate give some suggestions to online banking regulation theory and practicing suggestions. The theory suggestions are of guidingideology, value orientation and system construction and so on. Thepracticing suggestions are composed by the specific legal measures toprevent the business risk of online banking. |
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