A Study On The Key Factors And Its Empirical Research Of The Risk Management For Electronic Banking

Electronic commerce and electronic bank development has already brought about dramatic changes to people’s life. The enormous application of information technology and Internet brings infinite convenience and multiple options for people’s life, among which the emergence and rapid development of electronic bank in particular allows people to feel the unprecedented multiplicity of financial consumption. Similar to a double-edged sword, while the electronic bank brings people convenience, efficiency and low cost, the risk of it also cannot be neglected. The repeated occurrence of various risk events and cases has sounded the alarm bell to the electronic bank risk management. High reliance on information technology of the electronic bank obviously differentiates its risk from traditional bank service. This kind different is displayed prominently in that banks are unable to continue the use of traditional bank risk management system in risk management and control and that bank supervising and managing organization cannot adopt the original supervising and managing pattern to carry on supervision and management. The appearance of electronic bank risk poses new challenge for both the bank itself and the supervising and managing organization. Based on the summary and induction of domestic and foreign articles on electronic bank service risk management research, this article discovers that present domestic research mainly centers on analytic hierarchy process (AHP), employs fuzzy mathematics method, in the definite risk level target determines the corresponding weight and hereby carries on the analysis and the judgment of electronic bank risk size; overseas research mostly starts with clients and studies the specific measures of electronic bank risk management from the angle of client perceived risk. At the same time, as far as I am concerned though the Basel Committee on Banking Supervision has issued certain documents in view of the electronic bank service risk management, the domestic execution situation of these documents, or rather whether the request of electronic bank service risk management by Basel Committee is suitable for the electronic bank service of internal commercial banks needs thorough research and empirical analysis. Combining the above two discoveries, I attempt to research the key influence factors and its action mechanism of electronic bank risk management. Through the research and analysis of normative documents concerning electronic bank risk management issued by Barthel Committee, I have refined the key factors influencing electronic bank service risk management and proposed16suppositions of these factors’specific influence on electronic bank risk management. After questionnaire survey, sample collection and reorganization and meter letter validity analysis, I have verified the suppositions with the utilization of correlation analysis, structure equation model, and linear return model analysis and etc., and have tested the action mechanism model of key influencing factors to electronic bank risk management.The findings show that, speaking of the electronic bank service, financial supervising and managing, risk management idea, the surveillance of board of directors and top executives, technical control and legal and prestige risk management these5factors are indeed the key aspects affecting electronic bank risk management among which the first two factors indirectly take impellent effects on electronic bank risk management through the latter three factors and the latter three factors directly take impetus function on electronic bank service risk management. This research simultaneously utilizes the structure equation model and the linear return model two analytic methods to examine action mechanism model of the key influencing factor to electronic bank risk management and the results are consistent. Meanwhile,16suppositions proposed in the research all obtain confirmation.In order to promptly perceive the unusual changes of electronic bank trading volume and hereby adopt the necessary control measures for electronic bank service risk management, this article also utilizes Bayesian inferences model to forecast electronic bank trading volume of certain bank and carry on simulation analysis through illustration. This is also the first time to deduct and analyze electronic bank trading volume and to determine whether the volume in normal change sector with the usage of Bayesian inferences model. If unusual situation is discovered, the reason should be found and the electronic bank service risk management and control should be strengthened appropriately. In the end, with regard to policy suggestion for electronic bank risk management enhancement, this research proposes to construct electronic bank risk management three-dimensional frame from the levels of nation, industry and bank itself; as for electronic bank risk management enhancement, this research puts forward the suggestion and analyzes in details through management method, technical method and legal method.