Research On The Risk Management Of China Merchants Bank Electronic Banking

With the popularization and application of information technology,the trend of world economic globalization becomes more and more fierce,and the competition of financial industry becomes more and more fierce.Electronic banks,with more and more advanced level of science and technology,the development of a difference in traditional banking network media services and its innovative form including online banking,mobile banking,telephone banking,micro channel banking and self-service banking and other forms.And the extensive use of electronic banking has greatly changed the traditional bank business operation mode,make the innovation of financial products and services has brought more space for development,but also greatly reduce the operating cost,efficient management for the development of bank profits won the more space.China Merchants Bank as the beginning of the domestic electronic banking commercial banks,the number of users continues to increase.But due to the open and information technology,the complexity of the electronic bank exposed more than traditional service channel risk,especially in recent years,the frequent occurrence of money stolen,system paralyzed unable to trade and Internet fraud credit card stolen brush events make the security problem of electronic banking has been paid more and more attention,electronic banking risk management has become an important research topic in the financial industry can not be ignored.This Dissertation takes China Merchants Bank as the research object,and studies the risk management countermeasures of electronic banking.First,from the current situation of risk management of China Merchants Bank electronic banking analysis,classification of the electronic banking risk,analyzes the reasons for risk of Electronic Bank of China Merchants Bank and risk;and toidentify risk factors of China Merchants Bank electronic banking,including management risk,risk,customer risk and the key technology of electronic banking inherent layer the design of risk;risk evaluation index system of China Merchants Bank Electronic Banking Based on the acquisition of risk assessment index of electronic banking,choosing appropriate risk assessment methods,combined with the comprehensive appraisal of the valuation function for sorting and classification of the China Merchants Bank electronic banking risk factors.Finally put forward the measures to strengthen China Merchants Bank Electronic Banking and technology risk prevention and control,strengthen the China Merchants Bank e-bank operational risk prevention and control,strengthen and compliance risk prevention and control of the legal risk of Electronic Bank of China Merchants Bank,and strengthen the investment of electronic banking strategic risk control etc.to promote the healthy development of China Merchants Bank electronic banking.