Study On Financial Risk Supervision Of Network Bank And Countermeasures

In the time of information rapid growth, we are encountering chance and challenge of network innovation. Electronic commerce and information technology are the midwifery of network bank. Lots of banks have tapped network financial business.With the prevalence of financial information and Internet, network bank has developed very quickly, and its traits of electronic, networked and intelligent are more and more distinct in recent years. Breaking through spatio-temporal limit, network technology brings convenience and diversification to clients. Low cost and high income are the going direction.Network bank is not single extension of computer system, but the integration of modern high technology and traditional finance. It's the inevitable outcome of financial innovation. Its development not only has changed operation and rules but also has worked on the thinking method of microeconomic main bodies in finance. Technologic innovation has brought great benefit as well as relevant risks. Insecurity of network emerged and sharpened ceaselessly makes network risk management be the important tache. At present there are short of academic studies on risks of network bank and supervision. It's necessary that we should explore new way to control risk and push supervision of network banks thoroughly and efficiently.The current problems of our network bank are as follows: the management of imperfect technologic security, disunity of the security authentication system, deficient law system of network bank, lagged technique, lacked credit system, little management rules and unsmoothed management system, etc.Risk management of network bank should has a scientific way to identify, keep away and dispose risks to insure theirs routine move with furthest control invest cost and highest security.The thesis thinks that the technologic risks of network bank have controlled primarily, but tactic risks, credit risks and law risks have extruded. And this thesis puts forward some countermeasures, for example, establish institutions and perfect rules of risk management, set down clear aim of risk management, stress the system of financial organization self-restrain...