A Study Of Commercial Banks Information Technology Risk Management

In recent years,competition in the financial industry become increasingly severe,Types of banking business developed rapidly,the influence by Information Technology for Commercial Banks is more and more big,and also its function becomes more and more obviously.The development of Information Technology is directly related to the security and stability of the whole nation's financial system.Along with the continuously improve of science and technicalization of China's financial industry,financial risk is mainly manifested in the risk of Information Technology,especially challenge much more for Commercial banks or other financial institutes.Commercial Banks acquire benefits mainly by managing risk and providing financial services,each commercial bank are strictly in accordance with the requests by governments and banking regulators,to reinforce information technology risk prevention and control,which can guarantee banks create much more treasures and benefits maximally;meanwhile,it also can provide security assurance for providing continuously and reliable commercial services.Currently,each commercial bank executives have begun to pay great attentions to information technology services of commercial Banks and guarantee mechanism;they will regard the Information technology risk management as an important part of risk managements system of bank itself.Firstly,this dissertation describe and analyze the current research situation for information technology risk management of commercial bank domestically and oversea,secondly,through theoretical study of information technology risk management for commercial banks,making a comprehensive overviews of definition for information technology risk,contents and form,practice and theory,this dissertation propose a theory to improve overall risk management,through organization structure optimization,PDCA Closed-loop control mechanism and promotion of endogenous power,and then based on this theory,through one of commercial bank L as an example to analyze the current status and main problems in information technology risk management,this dissertation start the study and research for development direction which is suitable for China commercial Bank information technology risk management,finally by drawing on experience in domestic and international bank information technology risk management,state the major problems and detailed solutions for current management mode.The general idea and the main content of this dissertation,have theoretical guidance and practical reference significance for the information technology risk management for other domestic commercial banks.