Research On The Risk Management System Construction Of Electronic Banking In Commercial Banks

In recent years, the number of electronic banking customers, transaction amount and other indicators are showing a rapid growth trend, the electronic banking business position is improving in the overall development strategy of commercial banks In today’s full swing development trend of Internet banking, electronic bank business is no longer just bank counter service diversion channel, it has gradually become new commercial bank profit growth point and product marketing and business innovation of the mainstream channels.But the development of electronic banking depends on the development of information technology, such as hardware equipment and application software. It is the combination of financial services and information technology. It is a combination of network technology change, financial supervision, and uncertain legal environment. In addition, the development of China’s electronic banking is relatively late, the relevant technology is relatively backward, the risk control system is not mature, so it is urgent to strengthen the security and risk management of electronic banking.Based on the above reasons, this paper adopts case study method, experience summary method, theory and practice method, through a series of analysis and demonstration, focus on how to establish a comprehensive system of commercial banks in the electronic banking business risk management system. Firstly, the paper introduces the definition and characteristics of electronic banking, the development process and the development of our country. The paper analyzes the risk factors and characteristics of the commercial banks in the electronic banking, and points out the main steps of the risk management system and the main risk control measures.Through the research and analysis, we conclude that the commercial banks must establish a set of electronic banking risk management system, which is covered by the upper and lower, and the specific process of risk management, define the specific responsibilities of the participating entities, the risk prevention and control measures are implemented,sothat we can do a good job of electronic banking risk management.The innovation of this paper is that:first, the paper compares the risk management of electronic banking, which is based on the theory and the academic level. Article tries to overcome this shortcoming, inside the commercial bank how to electronic banking risk management system construction for clarity of exposition from the point of view of the system as a whole, and in the more comprehensive, detailed proposed specific measures to control risk, the various aspects of the implementation of the main, scope of implementation, the specific content to be clear, the construction of risk management system is more feasible, and has active significance to the healthy and steady development of China’s electronic banking. Second, in the process of the preparation of the paper, there are many of the XX bank’s electronic banking business development and risk management status, so that the paper analysis has more realistic foundation, the paper puts forward the viewpoint of strong practice and application value.