Research On Bank Bank 's Electronic Bank Risk Management

Development process from “Internet plus” in today’s society, big data, information and other impact feiyun lightened, the network brings the convenience of efficiency to people’s life rich and colorful and at the same time, also make all kinds of work such as travel more easy and convenient. In carrying out the counter in the same way, the traditional banking business at the same time, keep pace with The Times of the banking business and the integration of network applications, business innovation, and establish a new business model, electronic banking has penetrated into every field of commercial bank management. Electronic banking broad business coverage, unique convenience, the characteristics of high efficiency, low cost, become the main direction of Banks competing to chase, truly meet the different needs of customers, also makes the financial business to the use of \ "follow\" anytime and anywhere. With online banking, e-commerce and speeding development of network, such as financial services, and the burden to the use of third-party payment of network information technology to defraud the client message authentication code, telecom fraud, money laundering, phishing and other high-tech financial crime is also rising momentum, the threat to the banking information. These crimes involving high amount, across different regional cross-border Banks involved, no specific, evidence is difficult, capital decompose rapidly at the scene of the crime and the use of false information to handle the characteristics of banking, customers’ economic losses and follow-up tracking is difficult, the commercial bank brand credibility is at stake. Interest to the customer and the bank reputation damage that nots allow to ignore, also highlights a series of product design flaw, the customer self awareness of information security risks, but also to the market regulation ability as well as the industry standard put forward severe challenges.In order to ensure the safety of the electronic banking users, when dealing with customers in the use of electronic banking facing all sorts of questions, restrain the new type of electronic banking financial fraud, and improve the social responsibility of commercial bank, commercial bank brand image and enhance the public’s confidence in commercial Banks, control the trading risk, to prevent external fraud, B bank established commercial banking industry’s leading electronic banking risk control center, to carry out the electronic banking fraud services, set up beforehand prevention, matter controls, afterwards disposal for the integration of the electronic banking risk prevention and control system. But its risk control management level compared with the international excellent risk control team, there is a big gap, such as advance monitor method needs to be improved, the lack of dynamic risk assessment system, the lack of defense from spreading interactive experience. B bank electronic bank risk control management system, therefore, the optimization of the imminent, if you really do not damage the customer experience and the prevention and control, and guide the other financial industries to change from the strategic orientation, to provide customers with more secure and close of financial services, improve B bank electronic bank risk control ability and improving customer experience.