| The development of electronic banking not only has a great influence on the banking industry,but also has a great influence on the economy and people's life.The future economic development must depend on the vitality released by electronic banking,but in a sense,the openness of information technology brings some risks to the development of electronic banking.Therefore,in order to ensure that electronic banking can continue to play its positive role in the economic and social life,while reducing the risk,it is of great value to study the risk management factors of e-banking.This paper is based on empirical research methods,introduces the stages of e-banking development starting from the reality of historical development,introduces the characteristics of e-banking in detail,by means of concept interpretation,it highlights the contrast between e-banking and traditional banking.In the process of studying the influencing factors of e-banking development,the method of combining empirical and qualitative methods is adopted,using logical analysis and theoretical analysis,a hypothetical variable is proposed,based on data descriptions,mathematical theories such as Davies acceptance model(TAM)and structural equation model are used to explain the relationship between related factors and the development of e-banking,reliability and validity were used to test the hypothesis variables,thus we can analyze several factors that influence the development of e-banking:using cost,network security,system perfection,product and service level,education level and e-commerce.Then,according to the risk management problem,the risk management method is put forward.Risk management is divided into external mechanism and internal control,emphasizing the importance of both.Finally,the paper puts forward some concrete measures to strengthen the risk management of e-banking.In a word,electronic banking can guarantee sustainable development by providing human services while ensuring security. |
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