近年来,一些银行将传统贷款业务与网上银行支付手段结合起来,创新出网络循环贷款,极大地方便了借款人,但与此同时也暴露了一些风险。银行必须从多方面入手,积极探讨风险防范措施。所谓网络循环贷款,是指银行与借款人一次性签订循环借款合同,在合同约定的额度和有效期内,借款人通过网上银行自主提款、还款并循环使用的贷款。网络循环贷款所涉及的相关材料,包括但不限于电子借款申请书、电子借款借据、电子提款通知书、网银贷款资金支付凭证等,往往通过网上银行生成,以信息数据的 In recent years, some banks have combined the traditional loan business with online banking payment methods to create a revolving network of loans that greatly facilitate the borrower, but at the same time expose some risks. Banks must start from many aspects and actively explore risk prevention measures. The so-called network cycle of loans, refers to the bank and the borrower sign a one-time cycle of loan contracts, the amount of the contract and the validity period, the borrower self-bank online bank withdrawals, repayments and recycling loans. Relevant materials involved in the Revolving Loans network, including but not limited to electronic loan applications, electronic loan borrowings, electronic withdrawal notices, online banking loan payment vouchers, etc., are often generated through online banking, with information and data