The Problems In The Supervision Of Network Banks In China And Countermeasures Analysis

Following with the emergence of the internet-business,the business of modern banking has got a fast development.The network banks integrated the electronic commerce with modern banks using advanced internet-technology, and becomes increasingly prosperous depending on its unique advantages of three A service, cost-effectiveness and so on. In the economic tide of information technology developing rapidly, the network banks has become the new trend of banking development in the new century. However, people meet more huge risks when they enjoy the convenience offered by network banks.Because the network banks replies on a different operational mechanism and living environment, it not only faces the risks which traditional banks usually meet, such as credit risk, liquidity risk,interest rate risk, market risk and so on, but also faces unique risks from its specificity. Moreover, even the risks that traditional banks always encountered will have their own characteristics.The emergence of the new risks made our traditional regulatory system of banking face severe challenges.In recent years,our country devoted to research and explore the regulatory of network banks for controlling the risks of the network banks and maintaining the interests of all parties of the transaction, and promulgated The Interim Measures on Management of Network Bank Business,The People's Republic of China Electronic Signature Law,Electronic Bank Business Management Measures,Electronic Banking Security Evaluation Directions and so on.However, comparing with the developed countries,there are many defects in our system, such as the lack of the information exchange platform between relevant regulatory authorities,the unsound mechanism of network banks market access and withdrawal,the defects of the information disclosure rules and protection for the interests of customers,the inadequate supervision of self-regulation and cross-border business and so on.Those defects seriously impede the further development of network banks,and bring harms to the rights of the transaction parties.About those problems,our country should learn from foreign countries and combine with our specific conditions to find strategies.