Research On The Risks And Supervision Of Network Banking

In the age of rapid growth of information technology,network innovation brings new opportunities and challenges to the economy and finance.With the development of electronic commerce and information technology,online banking comes into being.Lots of big banks in the world go on line to open the financial business.Recently,network banking has experienced a rapid development in China on the basis of financial informatization and the prevalence of internet.The features of virtualization,digitalization,and intelligentization have become more and more obvious.By means of network technology,network banking breakthroughs the limits of space and provides the customers with the convenience and various bank services. With the features of low cost and high profits,network banking has been the orientation of future development.Online banking is not only the simple extension of computer systems of banks,but also the combination of modern high technology and traditional finance,and it is also the inevitable results of financial innovation.It's obvious that technology innovation brings the enormous profits to the banks; however,all kinds of business risks are also encountered.The risk management of network banking has become the important links which will effect the development of network banking on the premise of the frequent appearance of safety problems and intensification of network banking.At present,there are not adequate researches in the field of theory concerning the risks and supervision of network banking.So in order to control the risks of network banking effectively,it is necessary to probe the solutions of risks and supervision of network banking.Through the analysis on the risks and the comparison of the risk supervision of network banking,this thesis aims at pointing out the problems existing in the risk supervision of network banking in China,finds out the reasonable countermeasures of network banking for the promotion of the health development of our network banking.This thesis carries out the research on the basis of theory and practice, especially focuses on the practical analysis,finding out the solutions by the means of enormous data and examples.Firstly,this thesis identifies the definition of network banking,analyses the background of the generation and development of network banking,describes in details the present situation of the development of network banking in China,and generalized the features and business services provided by network banking.After that,this thesis introduces the types and the reasons of risks and probes the countermeasures against the risks of network banking in the aspects of technology and administration.Finally,based on the present situation of risk supervision from home and abroad,referring to the successful international experiences,combining the difficulties and the features of supervision in China,this thesis constructs the frame of the risk supervision system,and proposes the suggestions for the systems and government policies.