Research Of Security Problems In The Development Of The Internet Bank Of Yinzhou Bank

Banking industry brought a revolution for the development of human society. With the development of communication and network techniques, the network economy based on Internet has brought a new breakthrough revolution for human society once again. As a combination of traditional financial industry and high-technology industry, the emergence of Internet banking has brought about a new innovative business pattern without regional and space restricted to traditional banking industry, now it has become an inevitable choice of the development of modern financial industry and will be a major trend of future banking. Nowadays with special Internet banks had been established, traditional banks carried out online bank service at the same time, so the Internet bank growing popular and developing rapidly. As a product of information technology, the Internet bank needs higher request of own security while convenience for the user, not only have to face the risks of traditional banking but also to fend off attacks from network, so the ensurance of security of the Internet bank has been a important issue that universally concerned by banking industry. Based on introduced the development status of Internet bank domestic and international, this paper studied the security problems of the Internet bank of Yinzhou Bank, the main achievement were obtained as follows:(1) This paper introduced the emergence background and condition of internet bank, referred the basic concepts, the development model and the main characteristic of the internet bank, explained the primary service and functions meanwhile. At last compared with traditional bank, the paper analyzed the advantage of internet bank compared to traditional bank.(2) This paper revised the current status of internet bank domestic and overseas, summarized the development history and tendency of the internet bank based on statistical data of business scale, the number of users and the coverage of area. Then the paper listed security measures adopted by the internet banks of China, such as authentication techniques, safety certification softs and sign certification functions, etc.. and so that builds up an overall understanding of technical safeguard measures of China's internet.(3) This paper introduced the primary service of the internet bank of Yinzhou Bank, analyzed the various risks of the internet bank of Yinzhou Bank, for instance, the legal risk, the credit risk, the technical risk, the security risk, the environment risk, the management risk, the market information risk and other risks, etc. Through such detail analysis above, the paper presented had a further understanding to the safety problems of the internet bank of Yinzhou Bank.(4) From the aspects of financial area, the network system, the operation system, the application system, the virus of computer and administrative system, the paper pointed out the safety problems existed in the internet bank of Yinzhou Bank, then analyzed the origin of these problems carefully and provided basis and foundation so as to enhance the internet bank's security features.(5) Combined the actual situation of the internet bank of Yinzhou Bank and synthetically considered many factors include the guarantee mechanism, the self-construction status, the technological methods and the self-awareness of users, this paper presented several available strategies for improving the safety performance of the internet bank of Yinzhou Bank. Such strategies above not only have great significance in enhancing the safety performance of the internet bank of Yinzhou Bank but also have important reference value to other internet bank similar.