Research For Online-Bank Risk Monitoring System

The online-bank is the products emerged with progress of Technology and innovation of Finance. Since SFNB(Security First Network Bank) start running, the online-bank shows its mighty vitality, owing to its low cost, high-efficiency, convenience, extensive application and other characteristics. The online-bank is becoming the important means that financial institutions develop service area widely, increase business, adjust business strategy and promote development of Finance. However, as the online-bank is reducing the operation cost of traditional banking and making great profit, it is also bringing more risks. Therefore, when we are engaged in developing the online-bank, preventing and controling the risks of the online-bank is also an important topic which need to be solved urgently in order to guarantee the operation safety of the online-bank.At the beginning of this article, it introduces the online-bank's development and the latest security techniques. then, according to westen mature monitoring experiences and the online-bank risk's prevention and control theories, as well as domestic situation and risk control difficulties, a set of risk control systems are set up to protect the online-bank's normal operation. At present, most online-bank risk's researches are simple control and prevent inner risks, however that' s not enough. The online-bank risk management is not only research on the bank, but also research on the whole society. Therefore, in order to protect the online-bank safety, we need start with macroscopical angles by means of management and technique. Meantime, we should depend on the efforts of government, industry, bank and customers to found a comprehensive social monitoring system. In this article, we mentioned a way to found an online-bank risk monitoring system--- "four-dimensionality form a organic whole" monitoring system .The so-called "four- dimensionality form a organic whole "is to points concrete measures should be applied on nation, industry, bank and customer these four different dimensionality and a uniform technique backup-- digital authentication center should be set up against the online-bank's risk. In the last part of this article, it shows the importance and the necessory of online-bank risk monitoring system through a representative case-"the online-bank's system of A bank ".