Risk Management Research Of The Operational Process Of Information System For Bank Of Jilin

From the late80s to80s last century, banking industry of our nation began to establishthe network system across the country, creating the new era of the online network ofinformation technology. Owing to more diversity in banking and information technologyinnovations, commercial banks have initiated to highly rely on information technology underthe new circumstance of economic globalization and increasingly fierce market competitionenvironment. From electronically business to management information, commercial banks inChina has been preliminarily form a large data storage through channels of differentcharacteristics of typical equipment, such as bank card, pos machine, self-help differentall-in-one, online banking, mobile banking and telephone banking. Bank information systemsand popularization and application of information technology have greatly improved theefficiency of the banking operation and correctness. On the other hand, the varieties ofinformation technology expand the proportion of income increasingly growth of intermediatebusiness of bank in recent years. Information services not only become another indicator ofmeasuring banking innovation and profit growth, but also like a powerful weapon which canhunt the market share to provide personalized, differentiated service.However, along with the penetrating development of information, the users have beenimmersing in the convenience of information system, also while suffered vulnerable risks.Therefore, to strengthen the risk management in the process of information systemincreasingly becomes the focus of internal control construction project of commercial banks.Risks caused by information system, which are called IT risk have many characteristics, suchas professional, concealment and sudden. It is the reason to intensify risk management and theconstruction of information system. At the same time, on account of these features of IT riskmore and more commercial banks start to pay more attention to it, and will be classified as thebank’s operational risk.The research background of this paper is based on the rapid development period ofinformation technology in commercial bank of current country. Compared with the traditional bank’s risk and its management, less study in the commercial bank are relative to riskidentification, estimation and evaluation and the mechanism of early warning and monitoringabout information technology. Moreover, the weak executive force and the theoreticalresearch is not enough to deal with increasingly loopholes by exposed development ofinformation technology. Thirdly due to the complexity of large information technologyframework in practice and comprehensive products, the loopholes are hard to dispose andrisks loom from time to time.On this context, the author tried to absorb research achievements of current significancestandards at home and abroad, analyze the theory of risk management system about theoperational process of information technology in the commercial bank. And meanwhilecombined with the practice of own environment and practical cases, this paper mainly aims atinvolving in studies of the operational process of risk management in order to promotecognitions and understandings about risk management of the operational process ofinformation in the commercial bank, thus to some extent has an effect on practice exploration.This paper includes three parts of the content.The first part covers the first and second chapter. First of all, this article introduces theresearch background, content and the significance of the viewpoint, and put forward theresearch methods and the overall framework. This part also finds out the risk managementproblems and reasons caused by the process of information system in bank of Jilin on thebasis of associations between commercial banks operation risks and risks management ofinformation system. Then, the second part illustrates development tendency and state of riskmanagement of information system at home and abroad and present research situation ofoperational risk management. In addition, this part also summarizes review of methodologyabout risk management of information system, including the summary of the riskmanagement of information system and guidelines of risk management information system.The second part ranges from the third to the fifth. On this basis, according to the abovestatement, the article of the fourth chapter elaborates risk analysis of the process ofinformation system from risk identification, estimation and evaluation of Bank of Jilin, anddetermines the level of risks according to the severity and consequences of risk events. Thefourth chapter offers countermeasures strategy of risk management for instance of Bank ofIV Jilin. The fifth chapter analyzes risk monitoring of information system of the operationalprocess, combined with the second part of analysis and proposes reasonable suggestions ofthe implementation.The third part is the chapter Six. The last chapter is described the summary and outlookof the whole paper.