虽然网络银行这一新模式的出现给人们带来了极大便利,但是在监控方面却十分困难,它的出现给我国银监部门带来非常沉重的担子,可以说也是一种挑战。本文会将这些方面出现的问题一一解答,并提出相应的应付对策,以期我国网络银行能够平稳、健康地发展。 Although the emergence of this new model of internet banking has brought great convenience to people, it is very difficult to monitor and control. Its appearance has brought a very heavy burden to China’s banking supervision department. It can also be said to be a challenge. This article will answer these questions one by one, and put forward corresponding coping strategies, with a view to China’s online banking to smooth and healthy development.