Research On Risk Management Of Electronic Banking Of JS Bank Anhui Branch

With the continuous development of information technology and the increasing cost of labor, the development of electronic banking business of commercial banks is becoming more and more enthusiastic. At the same time, the development and popularization of electronic banking, enhance the ability and efficiency of bank customer service. Customers accept and take the initiative to use electronic banking services will increase, the main channel of commercial banks by the line network gradually evolved into online electronic banking. With the rapid development and innovative application of electronic banking business, the importance and urgency of commercial banks to guard against the risk of electronic banking channels is very important for the risk management and control of electronic banking. In recent years, the number of electronic banking business risk events of JS bank Anhui branch, involving the number of customers and the amount of loss are increased year by year, the risk management level of the business has yet to be improved. Therefore, it is necessary to study the risk management of electronic banking business in JS bank Anhui branch, which is both theoretical and practical.This paper is based on Basel bank risk management, electronic banking risk management principles and COSO risk management framework theory, using literature research, investigation and theory with practice and other methods, according to foreign and domestic banking regulators on electronic banking risk management requirements and experts and scholars on the risk management of electronic banking research results. Taking JS bank Anhui branch as an example, through the study of the electronic banking business situation, risk management status, combing the main line in the risk management of electronic banking business on the issue, according to a comprehensive analysis of the electronic banking business process, business risk and the risk factors, put forward the electronic banking risk management strategies, measures and methods.The structures of the paper arrangement are as following:the first chapter is the introduction, mainly introduces the research background, purpose and significance, ideas and methods, content and framework, as well as the innovation points of research; the second chapter is the theoretical basis and literature review, mainly introduces the theoretical basis quoted and summarized related reference; the third chapter is electronic banking risk management status and existing problems of JS bank Anhui branch, mainly introduces development, and business and risk management situation of JS bank Anhui branch electronic banking, drawing out the electronic banking business risk management problems; the fourth chapter is JS bank Anhui branch electronic banking risk analysis, mainly analyzes the main risks of main processes of JS bank Anhui branch electronic banking business, studying the reasons of electronic banking risk; The fifth chapter is countermeasures of risk management of Anhui branch JS bank electronic banking business and the base on the analysis in the third chapter and the fourth chapter; The sixth chapter is the conclusion and Prospect of the research, Main research results are summarized in this chapter.Through the research and analyses, the conclusions of this paper are as follows: JS bank Anhui branch, the main research to improve the level of risk management of electronic banking business, including the establishment of good reputation and perfect organizational structure, legal risk prevention and control methods and standardization of business risk management, process control and control system and method, technical means, strengthen the system security system of electronic banking; To deal with operational risk, legal risk, reputation risk and strategic risk measures, it needs to establish three-dimensional control network from the clients, banks and third parties, risk reduction and risk loss may occur; through the method of resolving electronic banking risk event process standard and professional, will help guide the branches at all levels of emergency treatment in electronic banking risk, reducing the risk of loss and secondary influence. The results of this paper will be helpful to promote the steady development of electronic banking business in Anhui branch of JS Bank, and it has a certain guidance value for strengthening the risk management of commercial banks.