A Study On The Operational Risk Management Of Electronic Banking

Electronic banking has a special operation mode and network environment,like a double-edged sword,bringing great convenience to people,but also brought a corresponding risk.New Features of electronic banking operational risk to the bank itself and regulators have raised new challenges,therefore,no matter from the perspective of theoretical research,or the point of view of commercial bank risk management practice,both the electronic banking business operation risk management of empirical research put forward the urgent needs.In this paper,from the definition and characteristics of electronic banking business operation risk,it analyzes the characteristics of electronic banking services,the development process,as well as China’s electronic banking operations risk profile.Points out the risk characteristics of electronic banking operational risk,through literature review to clarify the current status of research on the electronic banking risk management,focusing on electronic banking operational risk types elaborate.There is no doubt that the future will lie in the mainstream channels of banking electronic banking.Although electronic banking has a very strong momentum of development,but the high mobility electronic banking funds,and other high-tech features,but also makes electronic banking than traditional banks face more risk.By comparing the traditional bank business characteristics and the characteristics of the electronic banking business,to clarify the cause of the electronic banking business operation risk,characteristic and particularity,and analyzes the causes of commercial banks operational risk management of electronic banking.According to the characteristics of electronic banking operational risk analysis,proving that electronic banking risk management is important.The article described investigates the present conditions of the electronic banking risk management.Put forward the policy Suggestions on strengthening electronic Banks’risk management,describes the method for constructing electronic banking risk management from the national level,the level of commercial banks.This research from management,technical means and angles has carried on the detailed analysis of the electronic banking business operation risk and management of the cause of the problem.And combining with China’s electronic banking operational risk management problems,put forward the optimization Suggestions of risk management in China,put forward the problem of insufficient to electronic banking operational risk management,set up electronic trading risk monitoring platform,on how to use various means to build electronic banking risk management mechanism.This article has carried on the detailed,and puts forward concrete Suggestions.