Research On Information Technology Risk Management Strategy Of Argicultural Bank

Along with the information technology development, the Commercial Bank of our country has entered a stage of rapid development of information,commercial banks reached a hitherto unknown dependence on information technology. However, information technology is a double-edged sword, in promoting the innovation of commercial banks, to improve their business performance at the same time, it also brings certain risks to the healthy development of commercial banks. In recent years, Internet fraud, network attack, intrusion of financial system, data loss and data destruction of information technology risk events when the threat to the banking system, a serious constraint on the stable development of commercial banks.Risk of information technology as a special form of operational risk in commercial bank, is in the process of using information technology, due tonatural factors, human factors, technical loophole and defect management operation, legal and reputation risks. Because it has a strong professional, high level of complexity, affecting a wide range, destructive, strong concealment and other characteristics,but, the full understanding and active prevention of commercial bank’s information technology risk is extremely important and urgent.However, China’s banking industry face the information security problems in the process of information construction to a certain extent, awareness of the existence of bias, information technology security consciousness is weak, the risk management means a single, prevention and control ability is weak, some banks even lack of security strategy of unified planning, serious impact on the commercial bank’s rapid and healthy development, therefore, the the problem of meaning theory research is very necessary and very urgent.The Commercial Bank of our country is inevitable in the information technology risk management to move closer to the large commercial banks, large commercial bank information technology risk management experience will gradually be other commercial bank reference. Agricultural Bank is China’s large state-owned commercial banks, the development of information technology and the level of information technology risk management level is located in the forefront of the commercial banks, based on the agricultural bank information technology risk information technology risk management status and problems of in-depth analysis, put forward the technology risk management of Agricultural Bank information measures, provide a good theoretical and the practice basis for the technology risk management information and other commercial banks.Information technology is one of the core competitiveness of the Agricultural Bank, agricultural bank from its inception, has always attached great importance to the development of information technology, to realize in2006after grand data centralization, Agricultural Bank’s information technology level has been greatly improved, but because of its historical burden, personnel, geographical distribution, fast business development and other factors, there are still many risk of information technology to meet. The current agricultural bank information technology risk are the main risk, operation risk, application and development of information security risk class three, embodied in the network downtime events, ATM shutdown event, existing network fault events, parameters of production events, application development and management of the risk, intermediate agency business demand still has defects, illegal connection to outside network management unauthorized use of software, Although the Agricultural Bank through the three line of defence (self management, risk management, risk audit) and prevention (the system process,safety education, the risk investigation) disposal, in the thing (total linkage, technical guarantee, organization guarantee) and afterwards (supervision and performance improvement of internal and external guidance, process improvement) to control the risk of information technology information technology risk, but still can not effectively prevent and control.Through the analysis, we found that the main causes producing these agricultural bank information technology risk is:1, the information technology risk management mechanism, including:the cooperative sectoris not enough, the audit risk needs to be strengthened and the emergency response ability is not strong, the lack of positive incentive measures.2,information technology risk management level should be improved, including:inadequate, scientific risk management system of the science and technology research projects less.3, information technology team construction needs to be strengthened. Only high quality risk management team, can effectively reduce the risk of information technology.Reference China China Banking Regulatory Commission on information technology risk management experience of information technology risk management requirements and American bank, strengthen the Agricultural Bank of information technology risk management, can begin from the following several aspects of the1, improve the mechanism of management,information technology risk include: strengthening the business department and information technology department cooperation,strengthen risk audit, optimization of agricultural the bank’s emergency response mechanism, perfect the incentive mechanism, the implementation of.2,improve the level of management, information technology risk measures include:to ensure that the system is scientific, increase scientific research project.3,strengthen the information technology risk management team construction, including:to further enrich the senior posts information technology professionals, enhance staff awareness of the importance of safety in production, establish and perfect the information technology risk management responsibility system.I believe that through continued efforts, existing in the agricultural bank information technology risk management issues will be effectively resolved, the problem of information technology risk will be effectively controlled. Guard against the risk of information technology through the Agricultural Bank measures, and provides an effective theoretical and practical basis for commercial bank’s information technology risk management strategy, information technology risk management of commercial bank points out a bright road.