Analysis On The Risk Management Of Electronic Banking At ZS Bank Harbin Branch

All-weather service and man-machine interaction without leaving home.In recent years,the rapid development of e-banking business has profoundly changed people's production and life.According to statistics,the average replacement rate of e-banking business has exceeded 88% in 2018.Electronic banking with powerful functions and more humanized management will be the general trend.Electronic banking business has also become the new focus of competition among commercial banks.While using Internet platforms to enhance business innovation and improve economic efficiency,commercial banks will also magnify some risks through the conduction effect,making the capital demand and unstable factors of the supply side more difficult and unpredictable than traditional banks.Risk events have also been very frequent in recent years,such as phishing sites,virus intrusion into the banking system causes business interruption and Internet fraud,etc.,which have caused serious economic losses to banks and customers.The number of risk events,the amount of losses,and the number of people involved in risk related to e-banking have increased year by year.Therefore,it is of great significance to study the risk management of e-banking business.Based on the above background,this paper takes the electronic banking business of ZS Bank Harbin Branch as the research object,and uses literature research method,theory combined with practical methods,expert investigation method and analytic hierarchy process to analyze.Through the intensive study of relevant data and practices in this paper,the management level of the bank 's e-banking related businesses can be improved,in particular,it has practical guiding significance for the risk management.This paper first introduces the research situation about the risk management of electronic banking business at home and abroad.banking business.From the overview of the electronic banking business of ZS Bank Harbin Branch,this paper uses the comprehensi ve risk management theory and commercial bank risk theory to evaluate the risk of ZS Bank and find the bank,finds risks that occur frequently in the bank's e-banking business,establishes a risk model to calculate the weight,quantifies the risk indicators and intuitively compares the importance of risk management.Secondly,the paper introduces the current situation of risk management of Harbin Branch of ZS Bank and the problems existing in risk management,proposes to ignore the supervision of operational risk,the immature security protection technology,the low degree of cooperation of risk management organization,the unclear determination of risk event liability,the lack of ability to deal with the reputation of the emergency and its causes are anal yzed.Finally,combined with the above analysis and the current status of risk management,put ting forward targeted countermeasures,namely to strengthen the management and prevention of operational risk;strengthening system security construction;improving internal system execution;optimizing e-banking service agreements and clarifying responsibility identification;establishing and improving the reputation risk emergency response mechanism,so as to achieve the sustainable and stable development of e-banking business.