This research's topic is launches regarding the modern online risk investigation of bank. First, understood the first online bank these years’ development background as well as compared with the traditional mechanics of banking had the superiority, i
This research's topic is launches regarding the modern online risk investigation of bank. First, understood the first online bank these years’ development background as well as compared with the traditional mechanics of banking had the superiority, it constantly was very clearly enhancing to contribution of the national economic growth, it will become a profession, became the financial industry development one tendency, from now on the online banking development's potential will be very big, the market prospect was broad. Therefore starts deeper research online bank's movement characteristic and development prospect, then through some introduction overseas successful online banks' examples, studies their successful experiences. Then, discussed the current development in our country Online Bank and exists some questions. First step, the first current development in systematic introduction Our country Online Bank, which questions in this developing process then has come across, how should solve and give a series of countermeasures , helping to help the development of our country online bank by the time, increases its competitive power. However, in its developing process, the online mechanics of banking proposed to the bank the new risk controls the system aspect the challenge. These estimates or had not estimated risk manifests in the online bank's service, for reduction as far as possible and avoids the risk, suggested that adopts a series of risk prevention to control the system measure to enhance the online bank risk management, guaranteed that the online bank safe operation, guarantees the network financial stability. Taking advantage of from deep understanding research step by step, from the most basic concept to behind proposed that a series of concrete solution measure, the final goal for better development this innovation service, expands domestic demand of as well as the gang our country helps the economical the growth.
Key Words: online bank, the risks, the solutions
摘 要
这次的研究的课题是围绕着现代网上银行的风险研究展开的。首先，先了解网上银行这几年的发展背景以及与传统银行业务相比具有的优势，很明显它对国民经济增长的贡献在不断提高，它将成为一个行业，成为金融业发展的一种趋势，今后网络银行发展的潜力很大，市场前景广阔。于是开始更深一层的研究网上银行的运行特点及其发展的前景，然后通过介绍国外一些成功的网上银行的例子，学习他们成功的经验。接下来，讨论我国网上银行的发展现状和存在的一些问题。第一步，首先系统的介绍我国网上银行的发展现状，然后在这发展过程中又遇到了哪些问题，该如何来解决并给予一系列的对策，以次来帮助我国网上银行的发展，增加其竞争力。然而，在其发展过程中，网上银行业务给银行提出了新的风险控制方面的挑战。这些预计或未预计的风险都体现在网上银行的业务中，为了尽可能的减少和避免风险，建议采取一系列的风险防范控制措施来提高网上银行风险管理，确保网上银行安全运行，确保网络金融稳定。借由一步步的深入了解研究，从最基本的概念到后面提出一系列具体的解决措施，最终的目的都是为更好的发展这个创新业务，扩大我国的内需以及帮助经济的增长。
关键词：网上银行，风险，防范措施
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