Internet Banking Risks And Management Measures Research

Unlike traditional bank, online banking depends on the network this virtual environment.The online banking creates new service mode and service environment for the customer andimprove the service efficiency. Online banking, however, not only there is a great advantage,at the same time, because of the current situation of its development, there is loops and defectin risk prevention and management. Online banking itself there is certain risks, plusinnovative features of online banking, while derived from new banking products, new riskswill produce, and the manifestations of these risks will be ever-changing, caught off guard.Therefore, the banking sector should make online banking risk through those to a minimum,more people can make online banking services, how to make online banking operating costsreduced to a smaller, is a problem worth pondering. The risks faced by the evaluation ofe-banking is also interesting topics.First, this paper introduces the concept of online banking, functions, features, and a briefdescription of the business and development, and online banking, a general overview of thebasic theory of the online banking.Followed by the main content of the actual survey and collect information, to masteronline banking risk management, the risks of online banking into the technical aspects of riskand business risk, and to conduct in-depth analysis of this two aspects. Each risk a detaileddescription and analysis of the risk.Again, online banking risk management approach as a theoretical basis, there is a risk asa fundamental online banking developed above, for the X bank online banking instance,design a risk evaluation program. Online banking, risk evaluation and risk evaluation modelwas constructed the X bank online banking risk assessment management system, and thetheory of the risk assessment process, X bank online banking risks evaluation.Finally, on the basis of theoretical analysis to establish a viable risk management system.Based on the analysis of the risks of online banking and research, the use of online bankingpowerful data management capabilities, advantages, and to collect and collate data, actualresearch on risk management. Combined with the the X bank online banking practicalproblems, the establishment of a targeted, the feasibility of online banking risk managementprocesses, and to develop preventive measures, and practical suggestions for X bank onlinebanking risk management from a technical and business level.