Research On The Existing Problems And Countermeasures Of Internet Banking Supervision In China

Internet banking with many unique advantages that traditional bank can not be compared with,is booming in China as well as fast,has been an important pa-rt of China's banking system,and even has become the "experimental field"that the banks innovate and race with each other constantly.In contrast to the Intern-et banking's explosive growth of dazzling brilliance,the performance of its regul-atory measures was hysteretic and dim,not only "innate poor",and"lack of sta-mina".Regulatory aspects of the bank's network at this stage both in the regul-atory system,regulatory laws and regulations,regulatory institutional system,or in the ways and means of supervision,monitoring efforts formation,seems to ha-ve come far from satisfactory,some unsatisfactory,even in some respects the pro-blems are very prominent and visible.This paper focuses on the supervision of China's Internet banking status and problems,as well as the development of China's Internet banking business strategies and recommendations.This paper attempts to find an exhaustive range of risks of Internet banking of our country in detail and to face up to the analysis based on the actuality of network bank supervision,comprehensive use of case analysis method,literature analysis method,comparative analysis method,the useful experience of foreign advanced countries and regions,Internet banki-ng risk supervision of scientific reference,in order to establish a set of conforms to the national conditions of our country,to adapt to the needs of the developme-nt of the network bank risk control system and ensure the long-term,healthy an-d orderly development of the network bank of our country.This paper will alwa-ys adhere to the foot of the land in China,pay attention to explore some typical r-egulatory experience and achieved cases of the network bank in China,also face the problems and risks in supervision of Network Bank of our country,the fun-damental purpose is still using the "stones from other hills" to solve the problems of China's network bank risks.When we put forward the measures for the supe-rvision of Internet banking in China,this paper advocates that we should stick to the three principles:the first is in accordance with the national conditions of our country,in respond to our Internet banking development reality and solve the problems of Network Bank of our country.Secondly,regulatory measures should be focused,but not be biased,Internet banking risk and regulation is a systemic problem,involved the government regulation,industry self-discipline,social sup-ervision,internal supervision,laws and regulations,network risk,and so on,it's certainly not feasible that emphasize only in one or some aspects of the problems.We should study the bank's risks and control measures based on a focused,syste-matic network.Correspondingly,the paper,especially in network bank supervi-sion system construction,we should not simply stick to the perspective of finance and economics,we should try to blend of economics,law,finance,management science and other related knowledge,broaden our horizons,achieve the expan-sion of the solution.Thirdly,the purpose of regulation is not to bound,more not to suppress,but rather to promote online banking into more formal,standardi-zed health of the track,and increase kinetic energy development in the non-depressed environment.The significance of this research lies in the analysis of the current situation and problems of China's Internet banking business,based on the experience of developed countries and regions,combined with the develo-pment of China's Internet banking business,the future development of China's Internet banking healthy development of a series of countermeasures.And reco-mmendations,so that China's Internet banking in the future development of a better complement each other to achieve sound and rapid development.