Hunan Branch Of China Construction Bank Online Banking Business Risk Management Research

This paper studies how should the Hunan Branch, China Construction Bank(Hunan CCB) do risk prevention and management for the online-banking business,based on the risks brought out by its innovation. It analyses the risks of theonline-banking business theoretically. Firstly, it describes the connotation of theonline-banking risks. Secondly， it investigates the main performance of theonline-banking business risks on the technical level in three aspects which areenvironmental risks, technical risks and systemic risks. It also puts forward thenecessity of the analysis and research on the risk management for the online-bankingbusiness. Finally, it expounds its formation mechanism of the above three categoriesof risks.This paper expounds the status quo of the risk management, the main problemsexist and the caused reasons of the online-banking business for Hunan CCB throughtypical cases. Through studying the successful experience, efficient and mature riskcontrol mechanism from the risk management of the online-banking business abroad,it enhances the feasible ways and countermeasures of risk management of theonline-banking business for Hunan CCB. The organization management of theonline-banking business of Hunan CCB can be perfected by building three-levelorganization system, advancing human resource management, completing networkmanagement supervision system and strengthening the integrated management. Thesoftware environment can be optimized by improving the physical environment of theonline bank, reinforcing the operational security management and making robustAnti-virus scanner and supervisor system. Through building online financial servicebased on Web2.0, improving the product research mechanism of the online bank,establishing robust deployment mechanism synchronized with Microsoft productcompatibility test, actively carrying out product innovation in mobile banking andmobile payment and rationalizing the anti-fraud strategy of the E-banking business etc,the financial technical means innovation can promote the development of theonline-banking business for Hunan CCB. Ultimately, the safety operation of theonline-banking business can be protected by building systems including networksecurity system, authentication and authorization system, security operation andmaintenance audit system, password security service platform, anti-virus system, desktop security system, internet security and access control system, software securitysystem and data security system for Hunan CCB.