The Research Of China's Electronic Banking Risk Management Issue

With the development of computer and network communication technologies, the electronic banking is popularized quickly over the world. The risk management of electronic banking is becoming the important work of bank's risk control.At first, we defined the concept and attribution of electronic banking, and we analyzes and compares the electronic banking with the traditional banking, then we find their differences and features in the electronic banking. And discussed the law and regulatory risk, operation risk and reputation risk in it. According to the risk feature in electronic banking, this article pointed out the necessarily of risk management. By drawing on the experience of other countries, this article point out the architecture of electronic banking risk management, By combining with China's electronic banking risk management current situation, this article presents risk management and prevention of the above optimization improvements. These measures include:improving laws and regulations, strengthening internal risk control, strengthen the management talent pool, increase customer awareness of risk, and build up a risk response mechanism.The innovation in this article is the electronic banking risk analysis, combining with the reality cases, and the architecture of electronic banking risk management. The article more in-depth and detailed analyze the electronic banking risk management and put forward views and recommendations. They're specially useful to today's risk management.