Study On H Commercial Bank Electronic Banking Business Risk Management

With the popularization and electronic banking on the Internet under the impetus of the rapid rise of e-commerce,traditional banking business model and service great changes have taken place.Compared with traditional electronic banking business,commercial Banks business has many attractive advantages and characteristics,such as flexibility,openness and self-service way and so on.but at the same time,compared to the traditional commercial banks,there are many hidden dangers in terms of risk.Various frequent occurrence risk events and cases have sounded the alarm for electronic banking risk management.The new characteristics of the risk of electronic banking have put forward new challenges to the banks themselves and the regulatory agencies.Therefore,both from the perspective of theoretical research,or commercial bank risk management practices point of view,we are further study of electronic banking risk management to put forward urgent needs.In this context,based on the H commercial bank as an example,combined with the electronic banking operation risk management theories and advanced foreign countries(regions)of commercial banks electronic banking risk management experience,the risks of H commercial bank electronic banking are analyzed,and put forward the corresponding risk prevention measures.This paper firstly combed the domestic and foreign research status about electronic banking risk management and commercial electronic banking related theory knowledge,provide theoretical support for the article.Then the article focus on H commercial bank electronic banking business development present situation analysis,sums up the main risk points of H commercial bank electronic banking business development,and analyzes the main causes one by one.Next article reviews the management experience of the Basel Committee,the United States,Britain,Singapore and Hong Kong and other advanced countries and regional commercial bank risk,access related Inspiration to H commercial bank electronic banking business risk prevention.Finally,the article put forward countermeasures to H commercial bank electronic banking business risk prevention from operational risk,reputation risk,legal risk,information technology risk,the overall internal risk prevention system.