网络银行的安全策略及应用研究

Network bank's safety strategy and application research

网络银行是银行通过互联网为客户提供金融服务的平台,是电子商务在银行业的具体应用,它代表了现代商业银行业务的发展方向。如何解决网络银行的安全性问题是目前国际国内的一个重要的研究课题。本文对目前流行的网络安全认证机制进行了分析和研究,对工商银行和民生银行在网络银行上采用的安全措施、对策以及各自的特点进行了分析和对比,最后提出我们对提高网络银行安全性的建议以及对未来网络银行应用的展望。

Network bank is a platform where banks offer finance services to their customers through the Internet. It is the practical application of electronic commerce in the field of banking, It stands for the trend of development of modern business banking. How to ensure the safety of network banks is one of important research topics around the world, This paper analyzes the popular network safety authenticatian system, Moreover, it analyzes and compares ICBC and Minsheng Bank in the fields of safety strategy and characteristics. At last, some suggestions on how to increase the safety of network banks are proposed, and the future application of network banks are prospected.