Research On Government Regulation Of Information Technology In Commercial Banks

China's commercial Banks have been developing rapidly in recent years,with the scale of assets getting bigger and the operating profit increasing year by year.These changes cannot be separated from the development and utilization of information technology by commercial Banks.However,the use of information technology also makes commercial Banks face a lot of risks.To actively face these risks,commercial Banks need to constantly strengthen the construction of information technology security in terms of technology and system,and put forward new and higher requirements for the regulatory authorities.The people's bank of China,the China banking regulatory commission,the ministry of public security and other government agencies have supervisory duties over the information technology construction of commercial Banks.In this article,through reference to a large number of banking regulation and information technology at home and abroad the government regulatory data,for example,in the perspective of regulation line workers to the current our country commercial bank information the situation of government regulation of science and technology research,the research of the current situation of domestic and foreign commercial Banks information technology government regulation and theory on the basis of the analysis and study the experience of foreign commercial bank information technology government regulation,this paper expounds the new period our country commercial bank information technology,the necessity of government regulation,About the present situation of commercial bank information technology government regulation from the commercial Banks information technology the main body of government regulation,main contents,legal basis,generalizes the main method and implementation process,using unstructured interviews and other research methods,the use of new public service theory and the theory of financial regulation,information science and technology in the process of government regulation in the commercial bank the analysis of existing problems and reasons,find out the current commercial bank information technology government supervision regulations existing in the system is not perfect,the regulation method using insufficient,inadequate regulatory resources with obvious,long responsible for repeat regulation and so on four aspects problem,And targeted for problem causes are analyzed,in order to understand the context,the last on how to perfect the commercial Banks information technology government regulation,proposed the transformation idea fully use regulation means,rich resources to enhance the level of regulatory supervision,and to establish a cooperative mechanism forming force,draw lessons from advanced experience and improve the supervision legal system four aspects,such as suggestion,in order to give the late regulation of ideas and specific methods for reference.