Research On Internet Banking Regulation And Supervision

Internet banking was founded by the development of Internet finance and more and more financial innovations.Internet banking is a concept in its preliminary development period in the strict sense,that is to say,Enhancing the competence and income of banks by updating t service and improving convenience.Traditional banking business began to provide services on Internet with the more and more Internet technology emerging in the financial field,by the time the banks that only provided online services without offline physical banks,and the concept of Internet banking has been founded.Internet banking is the same as traditional banks which is banking entity.There are great differences in specific business focus and services.Internet banks has a serious risks than traditional banks,which comes from many aspects,such as business,the Internet,and their own structure.Internet Banks' s degree of harm has increased after risk of occurrence,with the increase of internet banking scale and coverage of user,so it is a reality necessary that supervise internet banking.Now our supervision of Internet banks is short of effectiveness from present situation,such as lacking supervision,without a clear aim,Unattainable regulatory value and so on.No matter from the law's supply of supervision or the effectiveness of supervision,there are much things to be done to our internet banks governing body.Our internet banks governing body has adopted the same strategy to regulate internet banks as traditional banks,without special legislation and special regulatory standards for internet banking.In order to realize effective supervision to Internet banks,it is necessary to adopt special regulations and methods from the foreign experience.This paper analyzes the current situation of our internet banks development and supervision,and absorbs the experience of foreign internet banking supervision on the basic theory of Internet banking's supervision,I suggest governing body some measure.In the preface,I sort up the domestic and foreign literature related to Internet banking supervision,and the research methods and objectives of the development background of Internet banking,so as to lay the foundation for the following research;Second chapter,the research objects are clarified by sorting out the related theories of Internet banking,and the current situation of Internet development in China is summarized;Third chapter,On the basis of analyzing the necessity of Internet banking supervision,the author summarizes the current situation of Internet banking supervision in detail,analyzes the shortcomings of Internet banking supervision in China and seeks to strengthen the key points of internet banking supervision in China.Finally,basing on the previous research on the basic theory of internet banking supervision,combining with the development and supervision of Internet banking in China,that selectively learn from the experience of internet banking supervision in other countries,and puting forward feasible suggestions for the improvement of Internet banking supervision in China.It also puts forward the idea of promoting the comprehensive level of Internet banking supervision by improving the legal supply and administrative supervision of internet banking supervision.