| Internet banking has been developed rapidly in the whole world with its convenient, swift characteristics from the mid-1990s. The technological innovation has brought the new special risks to bank while bringing enormous benefits. These risks have brought enormous challenges to existing financial supervision system, as well as influenced the banking to run focus on controlling risks in a all-round way and systematic ground. Therefore, this thesis lays emphasis on the study in this respect.The thesis introduced the concept of internet banking, its business and history of development. It analyzed the existing problems about the development of China's internet banking, and found that the existence of the problems was mainly due to its special risks. In order to solve these problems, the thesis further studied the formation mechanism of internet banking risks. It found the model of internet banking special risks formation mechanism, and built a special risks management mechanism for internet banking. Finally, there is a conclusion that it is important for controlling special risks of internet banking to applying technical measures, management mechanism and legal awareness.The thesis is an exploratory study, using the combining method of theoretical analysis and empirical study. There are mainly following conclusions: Firstly, the nature of internet banking is financial innovation driven by technological innovation. Secondly, the technical innovation brought internet banking special risks triggered with the new products (business), the new production (process), new markets, new sources of raw materials or semi-finished products, and new forms of organization. Thirdly, the internet banking special risks have been constantly changing with the innovation of technology, and the risk characteristics of technology itself infiltrated in internet banking. There are risk transmission mechanisms between some special risks. Fourthly, internet banking needs to establish a continuous risk monitoring model. |
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