Research On Risks Prevention Of E-Banking In China

Since the beginning of 21st century, every commercial bank in our country appears fierce competition for fit in with finance integration and globalization after join in WTO. They improve self's service, innovative and strengthen competitive by making use of various suitable Information technology, developing telephone banking, self-help bank, Internet banking and so on to be representative electrification bank system as their important strategy acts .Internet banking enhances the competitiveness on the ability of providing an important foundation and support. For the bank, it improves customer services, and supports the banking innovation, improves service quality and management and decision-making levels and lowering operating costs.However, when the emergence of Internet banking brings financial innovation for the banks, it has brought unprecedented bank risks. The large number of domestic and international practice shows, with integrated application of Internet technology and wireless communication technologies in the banking industry, banking information system security will face many more challenges. Therefore, the importance of the Internet and to strengthen the banking risk prevention has become an important banking content. It is this combination of the author's research -- innovations in business and financial management, the risks of online banking in our contrary associated with business innovation as the starting point, study on how to prevent the risks of online banking in our contrary.This paper introduces the online bank's basic theory, China's development of e-banking and e-banking risks, and analyzes the multiplier effect of online banking business risks compared to traditional and the causes, effects of risks. The author considers our online banks should guard against the risk from three aspects: First, we should build up inner risks control system; Second is the importation of traditional risks prevention; Third is the management construction on new risks -- technology risks'prevention. On the one hand, the system is constructed; the other is prevention from the technical point of the technology risks. It used the game analysis new institutions (Internal review of the bank) that how to manage the e-banking departments and use the economics method analysis our e-banking selection strategy.