Australian bankers have a different view of the world to their counterparts overseas. They worry more about political interference than bankers elsewhere; they worry about their dependence on technology, and they are more concerned about trends in emerging economies, particularly China.These concerns emerged from the latest Banking Banana Skins Survey, conducted annually by PwC and the Centre for the Study of Financial Information in New York.The top risk in 2012 is the state of the world economy, caused by the threat of sovereign default by several European countries. The other big concerns are credit risk, liquidity, the availability of capital and political interference. The poll of more than 700 bankers, regulators and industry observers around the world included 18 Australian respondents.Political interference rated second in Australia but only fifth globally. Emerging-market concerns rated ninth among Australian bankers, compared with 22nd globally.PwC's banking and capital markets leader, Stuart Soular, said: "There is unease about emerging markets, China's growth in particular, and whether it can continue to act as a counterbalance to the weakness in much of the developed world."Scoular said: "Although Australia can boast of having one of the world's strongest banking systems, this study demonstrates that acute sense of vulnerability around how overseas events, which are largely outside our control, may impact us."High dependence on technology was rated at number six in Australia compared with number 18 globally. Concerns related to the adequacy of banks' plans to deal with failure, the level of management understanding of technology and dependence on a few key technology people."We are less preoccupied with the availability of capital and corporate governance, while dependence on technology has continued to creep higher since 2008, when it was rated the 11th major concern, Soular said.Many Australian banks continue with significant system infrastructure projects.  Any delivery issues could have a significant impact on customers and on the bank's reputation.A surprising finding is that reputational issues and questions about the social sustainability of banking were low down the list, despite the strength of anti-bank feeling around the world since the financial crisis.The risks associated with management incentives were also low down the list.