Research On Risk Management Of Information Technology In Rural Banks

Currently the banking to leverage information technology means to financial innovation, various businesses in the commercial banking transactions, information technology has already filled its every corner, become the future develop direction of commercial banks. Technologies and means of banking information technology continues to evolve, makes the banking business continued scientific and efficient、 standardized, meanwhile become a new commercial bank risk points. Information technology risk management, will play a positive role to make f the banking industry in China run safety and soundness, will help promote the bank’s internal management level continued to improve, provided the positors more comprehensive services. In recent years, rural banks as the banking industry a breath of fresh forces, the development speed is very fast. At the same time, information technology which to support its business run and develop has lagged far behind, risks of information technology is beginning to emerge. With the important role of information technology for commercial banks more and more obvious, how to make the information technology risk management well is imminent.Thesis first introduced the background and significance of the topics, describes the contents and methods, brief introduced on the development of theoretical research both at home and abroad. Secondly described the meaning of the Banking information technology risk, its own characteristics and classification, also analyzed of its causes. Then With case study method analyzed the status of information technology risk management in rural banks of Ordos region,analyzed the characteristics of the information technology risk management in rural banks,introduced information technology risk management status of the regional rural banks,and detailed descriped the problemof the level of development in information technology, regulatory frameworks, human resources management, information technology outsourcing and other aspects.Also made recommendations of information technology risk management in rural banks:First, we must attach great importance to information technology risk management; Second, we should make the information technology risk management into the entire bank’s risk management framework;The third is to regulate the daily information technology risk management; Fourth is to strengthen information technology outsourcing risk management; Fifth, to promote information technology risk management team building; Sixth is to increase external regulatory efforts. Finally, summarized the research process and come to a conclusion.