Bank Of Chongqing The Research On Risk Evaluation System

The computer and the rapid development of network technology, has brought theinformation propagation mode revolution, traditional physical transfer, face-to-facetransactions have been stored in the multimedia and Internet are replaced, digital,network trend is like a tide and promote the traditional industry in the process ofinformation, Internet Banking--this kind of relying on modern information technologyof the new bank operation service mode also subsequently emerge as the times require.Internet banking with its incomparable advantages, can significantly improve thetraditional banking service quality and operating efficiency, but also to the traditionalbanking industry has brought hitherto unknown development space. However, it is thiskind of new pattern, gives the traditional banking management has brought new risksand greater challenges, so how to prevent and control the risk of Internet banking,Internet banking business development has become an urgent task. The development ofInternet Bank in China compared with developed countries, it is still not mature, theInternet banking risk problems of lack of systematic study, therefore, in-depth analysisof Internet banking risk formation mechanism, actively explore the effectiveprevention and control of the risks of Internet banking method, to strengthen the riskmanagement of Internet banking is very necessary.This article from the Internet banking risk management theory, using thecombination of qualitative analysis and quantitative analysis methods, to seize theBank of Chongqing technology and business in two dimensions of risk characteristics,construction for Internet banking risk evaluation index system, and the application ofthe evaluation index system for Chongqing bank Internet banking risk is evaluated inpractice, concluded, also put forward the relevant countermeasure of prevention andcontrol of the risk, enhances the Chongqing Bank Internet banking risk prevention andcontrol capacity, enhance the Chongqing bank risk management level.