Bank Informatization Risk Assessment And Regulatory Research

In the past 30 years, Bank informatization has gone through three banks leaps and bounds. The end of the 1970s, the bank is the introduction of computers to replace manual, so that the staff were freed from the cumbersome manual, the realization of a cross; In 1990s,Banking further use of communications technology in the counter, internal management and other areas of electronics, banking innovation ,competitive, service and profitability have been enhanced, a leap second; began in the late 1990s, the third leap. With the development of Internet technology, from the entity to the virtual banks, network bank and e-banking. so that the existence of banks, business concepts and modes of service has undergone a qualitative change.With the development of information-based bank, the Bank is increasingly dependent on high technology, particularly in the development of high-speed networks. information security has become increasingly prominent in the circumstances, the banks rely on electronic technology to attract people's attention to the risks. This paper attempts to analyze the problem and solve the problem. The article is divided into three parts launched the first part of the review of the history of the development of electronic banking. Information from all angles to explore the process of banking risks, the risks described in the same time. more emphasis on risk analysis, features and reveal the reasons and risks. The second part of the risk assessment information banks, in borrowing based on the method of evaluation, China's banking information in the formulation of risk assessment models and indicators. The third part will focus on the study of solution to avoid risks and control risks and mitigating risks, This paper analyzes the significance of strengthening the supervision and risk management technology. and strengthening internal management, and strengthening external monitor perspective, risk control and supervision as a study made from the inside to outside, from a technical approach to a series of management.