The Risk Analysis And Precaution After The Bank Data Collection

After enter the WTO, all Chinese trades meet more opportunity and challenge never seen before. With the completely open in China banking in 2006, overseas banks expand faster to enlarge their market shares. Banking as the one of the important national economy life line is pushed to the forefront of the global finance competition. For reducing the difference and receiving the challenge from the WTO, the four state commercial banks started the technique revolution with the mainline of the data collection at the end of the "Nine Five", to hope it can avoid the malady which is conduced by the operation innovation late, because each institution has different policy and dissever the customer resource before the Chinese banking open.With the development of the bank operation, the bank dada collection has become the hotspot in China financial electron construction. The data collection provides a well application platform for the merchant bank's operation continually developing. And it has active effect for the whole bank development. It is not only improving the bank management level and increasing the operation innovation and the compete capability of the enterprise, but also it is the only way that the Chinese merchant bank electron develop to a higher phase. The data collection's advantage is obviously. But the mode of data collection also has the disadvantage. If we don't dispose a series of problems brought by the data collection, we will not reach the aim and the meaning we expected and it will bring serious consequences. So the data is collected and the risk is focus, the risk will be global and disastrous.This topic investigates and analyses the risk and control process of data collection, which is target to insure the bank business can be performed stably and safely.The paper introduces the situation and classify of the bank data collection firstly, and then it analyses the latency risk after the data collection, and advances the project aim at how to keep away from the risk. At last it summarizes the content which the paper discussed.