网上银行业务的风险与对策研究

网上银行业务的风险与对策研究
摘    要
信息技术和电子商务的发展、日益激烈的银行竞争以及银行业对低成本高利润的追求，使一种新型的银行—网上银行在世界范围内应运而生。它运用网络技术为客户提供了方便快捷、多样化的服务并具有超越时空、创新发展快、运作工具有别于传统银行等特点。随着网上银行的发展，在运行中如何加强风险分析和管理，降低网上银行服务的各种风险，减少网上银行在经营中遭受损失的可能性或将损失降低到最低，已经成为一个急待解决的问题。因此，必须深入研究网上银行的风险及其控制措施，不论对世界还是我国网上银行的健康发展都有着重要的意义。本文以网上银行的风险作为研究对象，主要从风险识别、风险分析、风险模型和风险防范等几个方面作了探讨。本论文的结构如下:首先介绍了网上银行的概念，发展历程与趋势，分析了网上银行业务风险特征，对网上银行存在的各种风险形式进行了归纳和划分，并且针对各种风险提出了风险管理要注意的问题，初步探讨了风险管理的目标和主要措施。其次针对网上银行的对网络安全的特殊要求，建立了风险评估模型。最后通过分析网上银行的风险，从宏观要求、技术要求、法律和声誉管理方面介绍了加强网上银行风险管理的一些组织措施，提出了加强基础设施建设，加快系统重组和加强国际化和标准化的发展道路。

关键词 网上银行；风险分析；风险控制
 
Abstract
With the development of information technology，electronic commerce，as well as the growing fierce competition between banks and banks’ desire for high profit with low cost，a new kind of bank- internet banking came into being all through the world. By using the Internet and Internet technology，it supplies its clients with convenient，prompt and various financial services. It is characterized with its operation beyond time and space, daily renovation and its operating tools which are different from traditional banks. With the development of online-banking，there are some burning problems that need to be solved , such as how to enhance the banks’ ability to analyze and manage risk，how to reduce all kinds of risk of the services provided by online-banking，and how to minimize the possibility of loss in the operation of online-banking .For the development of the world’s or even our countries’ online-banking, it means a lot to study the risk and risk-controlling measures. This article studies for risk of online- banking，mainly discussing and groping for the following aspects: risk identification，risk analysis，risk models and risk preventing. This article is structured as follows: Firstly, introduce the concept, the development process and the tendency of Internet banking; Analyze the business risk of online-banking; Summarize and classify all the risk existing in online-banking and against various risks, propose the problem which risk management pay attention to; Bring up the groping preliminary for the aim and main measures of risk management. Secondly, based on the special net security requirement of online-banking, the article put forward a risk assessment model. Finally, thorough analyzing the risk of online-banking ,the article introduce some organization measures in the following aspects such as the general and technical requirement, law and reputation management and so on. The article also brings up the ideas to strengthen the infrastructure building and to accelerate the system rebuilding and to strengthen internationalization and standardization.

Key words  internet-banking  risk analysis  risk controlling

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