【作者】 朱凤萍；

【导师】 朱宗乾；

【作者基本信息】 西安理工大学 ， 工商管理， 2010， 硕士

【摘要】 网上银行作为金融业一种全新的服务渠道和经营方式,它的出现给传统银行业带来了前所未有的发展机遇,显著地提高了银行业的服务水准和服务效率,与此同时,也使得银行业在经营时面临着新的风险和前所未有的挑战。在发展网上银行的同时,防范和控制网上银行的风险,保证金融业的安全运行成为一项急需解决的重要的课题。与欧美发达国家相比,我国的网上银行发展还很不成熟。金融业对网上银行认识还不够深刻,对网上银行存在的风险问题缺少系统性研究,因此,要加强对网上银行的风险问题研究,按照风险管理的思路,深入探索解决网上银行的风险问题的方法与途径,探索有效的网上银行风险管理模式,提高网上银行的风险管理水平。本文根据网上银行风险的特点,运用风险管理理论,对建设银行网上银行技术层面和业务层面的风险进行研究。主要运用定性与定量分析相结合方法对网上银行风险进行辨识,建立了建设银行网上银行风险评价指标体系并对其风险进行了评价,根据评价结果,提出了对建设银行网上银行风险具有建设性的风险防范对策,即在技术层面上制定了业务持续性应急计划,编写了大规模计算机病毒爆发应急预案,建立完善的内部程序和技术防范措施,定期对科技信息进行评估；在业务层面上,综合运用PDCA风险控制理论,不断循环梳理业务活动的风险点,建立网上银行风险内部控制体系,制定客户操作风险防范措施,明确责任规避法律风险,制定危机管理对策降低声誉风险。本文对建设银行网上银行风险进行了全面的分析评价,提出具有建设性意义的风险防范对策,以期增强建设银行网上银行风险管理能力,使其风险管理水平提升到一个新的高度。更多还原

【Abstract】 Internet banking as a financial services industry, a new channel and mode of operation, it appears to the traditional banking industry has brought unprecedented opportunities for development, significantly raise the standard of service the banking industry and service efficiency, while also making banks operate on the risks facing new and unprecedented challenges. In the development of Internet banking at the same time, prevent and control the risks of online banking to ensure the safe operation of the financial sector to become an important issue requiring urgent solutions. Compared with developed countries in Europe and the United States, China’s development of Internet banking is still immature. Financial services industry still lack a deep understanding of Internet banking, online banking presence on the risks a lack of systematic study. Therefore, we should strengthen the study of e-banking risk issues, in accordance with the idea of risk management, in-depth explore solutions to the risks of Internet banking ways and means to explore an effective e-banking risk management models to improve the level of e-banking risk management.Based on the risk of online banking features application of risk management theory, China Construction Bank Internet banking technology and operational aspects of risk research. Qualitative analysis of the main methods used online banking risk identification, establishment of China Construction Bank online banking risk evaluation index system, using a combination of qualitative and quantitative methods to evaluate the risks of Internet banking, according to evaluation results, presented to the China Construction Bank online banking risk constructive risk prevention measures, that is, developed at the technical level of business continuity contingency plans, prepared contingency plans for large-scale computer virus outbreaks, establish a sound internal procedures and technical preventive measures, on a regular basis to assess scientific and technical information; in the business level, the integrated use of PDCA risk control theory, the cycle of combing operations to the risk points, to establish the risk of internal controls of Internet banking system, and develop customer operational risk prevention measures, a clear responsibility to avoid legal risks, to develop crisis management measures to reduce reputational risk.In this paper, the risk of online banking CCB conducted a comprehensive analysis and evaluation, put forward a constructive risk prevention measures with a view to enhance the China Construction Bank online banking risk management capabilities to the level of risk management to a new level.更多还原