电子银行风险测度与解决途径

Risk measurement of electronic banking and Solutions

以计算机为核心的互联网信息工程技术不仅改变了人们的传统经济生与社会生活方式,同时在商业银行中得以迅速推广与广泛应用。电子银行的出现为传统商业银行带来新的分销渠道,然而电子银行也存在着系统安全风险、业务风险与法律风险。本文通过对电子银行业务所存在的各种风险进行测度,从提升技术、内控监管与完善法律等方面对风险进行防范并探索应对措施。

As the core of computer Internet and information technology not only changed people's traditional economic life and social life,and to promote the rapid and extensive application in commercial banks.Electronic banking brings a new distribution channel for traditional commercial banks,however,electronic bank also has some system security risk,operational risk and legal risk.This paper measures through various risks existing in the electronic banking business,and to explore the measures to prevent the risk from the lifting technology,internal supervision and perfecting the legal aspects.