浅论我国手机银行营运风险及其防范

On The Operational Risk and Prevention of Mobile Phone Banking in China

本文从考察我国手机银行发展现状出发,基于商业银行视角,对手机银行的营运过程中产生的技术、操作、市场和法律风险及其原因进行分析。本文在借鉴国外经验的基础上,针对风险产生原因提出现阶段防范手机银行金融风险的具体对策建议。

Starting from the study of the developing situation of mobile phone banking in China,this paper analyzes the reason and operational risk of mobile phone banking which includes technology risk,operation risk,market risk and law risk based on the perspective of commercial banks. On the basis of learning from foreign experience,this paper puts forward specific countermeasures and suggestions against the financial risks of mobile phone banking at present.