A Study On Mobile Phone Banking Risk Management System Optimization Of Agricultural Bank Of NH

In a fast pace of life, people need whenever and wherever possible for information transmission and communication, mobile phone users in China increased year by year is a good example of this point, this point is also China’s mobile communication career has been one of the driving forces. Similarly, people in the busy state, the financial service demand, they have no more time to a business office of bank to wait for relevant business, they need a strong "remain within doors, self financing" of the modern financial services, it also provides the soil for the emergence and rapid development of mobile phone bank the. The rise of mobile phone banking has gradually been the vast number of consumers accepted, expanding client all. It provides people with more efficient, convenient financial service. But the mobile phone bank itself also has certain limitation, because it is based on the mobile communication network as an intermediary platform, making it prone to risk events.So how to avoid the risk of mobile phone bank? How to reduce the probability of mobile phone bank risk? These are worthy of our consideration. Therefore, research on mobile phone banking risk management has very important practical significance.This paper takes the system of risk management of Agricultural Bank of NH of mobile phone banking as the research object, the integrated use of the analysis of the present situation and trend analysis, the qualitative forecast and other research methods, first of all on the banks of A were introduced, followed by the current situation of the risk management system of Agricultural Bank of NH mobile phone bank are introduced in detail, and focus on the combination of the theory to carry on the thorough analysis to the there is a risk management system of Agricultural Bank of NH problems in mobile phone bank. On this basis, analyzed the risk management system of Agricultural Bank of NH mobile phone bank, and from the aspects of organizational structure, technical system maintenance carried out optimization design and implementation, from preparation work before, A silver for mobile phone banking risk management system optimization program safeguards client risk education in implementation and after implementation supervision put forward.