Research On Risk Management Improvement Scheme Of Mobile Banking Business In Shenzhen Branch Of CITIC Bank

With the popularity of 4G technology and the maturity of 5G technology,the era of mobile Internet has come rapidly,the mobile banking business of Chinese commercial banks has also taken off.The development and popularization of mobile banking client provides efficient and convenient services for the customers,and also saves the bank a lot of operating costs,alleviates the pressure brought by the customer service work,and finally achieves the goal of win-win.Mobile banking transactions have become one of the main modes of modern financial transactions,and mobile phones can even be regarded as the first wallet of people.In this context,branch businesses such as mobile banking and WeChat banking have gradually become important concerns of various banks,and have gradually become a source of customers that cannot be ignored.But at the same time,the mobile internet of traditional banks has not developed smoothly.Under the threat of cyber fraud and mobile phone viruses,multiple risks against mobile banking may become a major obstacle to its promotion.Because the mobile banking business spans the financial and IT industries,it not only faces various risks of traditional banks,but also faces risks in network information security,which poses greater challenges for bank risk management.Therefore,how to understand the risks faced by mobile banking and deal with risks reasonably has become a hot issue that banks have to face.Based on the research literature on mobile banking risk issues,this paper uses the data of a series of statistical reports released by China Internet Information Center,360 Security Center and Tencent Security Center,and identifies the indicators that threaten the healthy operation of mobile banking based on expert interviews.Combined with the actual situation of mobile banking in CiticBank Shenzhen Branch,this paper constructs a mobile banking risk assessment index system consisting of four first-level indicators and 18 second-level indicators.With the help of expert survey and AHP fuzzy analysis,its risk weight is determined.Secondly,this paper completed the quantitative analysis of the primary and secondary indicators of the mobile banking business of CiticBank Shenzhen Branch.Finally,according to the above quantitative evaluation,the author puts forward the risk prevention countermeasures of mobile banking of CiticBank Shenzhen Branch from management,technology,customers and others four aspects.The mobile banking risk evaluation system proposed in this paper has strong application value and theoretical reference value for evaluating the operational risk of CITIC Shenzhen Branch mobile banking business,and also has certain reference value for similar businesses of other domestic banks.