Our Network Supervision Of The Bank's Risk Research

Internet banking is the use of the Internet as a transmission channel for providing banking services to its customers the way, consists of two levels of meaning: organizational forms and banking. Internet banking services have convenient, fast, efficient, and reliable; operating costs low; easy to use features, it meets the world, the regional economic sector and the financial industry, the demand for information technology innovation and development, is the commanding heights of national high-tech banking competition. However, due to network beyond the traditional banking and Internet banking are two areas of information technology, traditional banking business risks and characteristics of Internet technology brings new risks on its own both, have been very clear manifestation of This gives the network the bank's risk control work of a very high demand. Our efforts to develop Internet-banking financial business, we must first control their risks and preventive work to do to protect our financial system and economic and social harmonious and healthy development, to ensure that the legitimate economic interests of the public are not subject to the risk of harm.This paper describes the concept of online banking risks, causes, classification, characteristics, based on further analysis of the risk and complexity of the need for regulation. Through the introduction of China, the United States, the EU regulatory risk status, have developed a network of these regulatory aspects of bank risk revelation and experience. Finally, the measures to solve the problem of China, Bank of active form of the design of the network model and risk supervision system, and some aspects of the proposed law and philosophy.