The Research Of Internet Banking Risk Management Of China Construction Bank

Internet banking as a financial services industry, a new channel and mode of operation, it appears to the traditional banking industry has brought unprecedented opportunities for development, significantly raise the standard of service the banking industry and service efficiency, while also making banks operate on the risks facing new and unprecedented challenges. In the development of Internet banking at the same time, prevent and control the risks of online banking to ensure the safe operation of the financial sector to become an important issue requiring urgent solutions. Compared with developed countries in Europe and the United States, China's development of Internet banking is still immature. Financial services industry still lack a deep understanding of Internet banking, online banking presence on the risks a lack of systematic study. Therefore, we should strengthen the study of e-banking risk issues, in accordance with the idea of risk management, in-depth explore solutions to the risks of Internet banking ways and means to explore an effective e-banking risk management models to improve the level of e-banking risk management.Based on the risk of online banking features application of risk management theory, China Construction Bank Internet banking technology and operational aspects of risk research. Qualitative analysis of the main methods used online banking risk identification, establishment of China Construction Bank online banking risk evaluation index system, using a combination of qualitative and quantitative methods to evaluate the risks of Internet banking, according to evaluation results, presented to the China Construction Bank online banking risk constructive risk prevention measures, that is, developed at the technical level of business continuity contingency plans, prepared contingency plans for large-scale computer virus outbreaks, establish a sound internal procedures and technical preventive measures, on a regular basis to assess scientific and technical information; in the business level, the integrated use of PDCA risk control theory, the cycle of combing operations to the risk points, to establish the risk of internal controls of Internet banking system, and develop customer operational risk prevention measures, a clear responsibility to avoid legal risks, to develop crisis management measures to reduce reputational risk.In this paper, the risk of online banking CCB conducted a comprehensive analysis and evaluation, put forward a constructive risk prevention measures with a view to enhance the China Construction Bank online banking risk management capabilities to the level of risk management to a new level.