Analysis And Research Of Commercial Bank Online Banking System And Its Risk Prevention

As we all know,information technology and e-commerce have been rapid development in recent years.At the same time,the commercial banks in the big platform with the development of information technology,continuous reform and innovation,and has a very significant effect,especially in a wide range of online banking business development and development.However,the recent emergence of P2 P good times don't last long,a large number of network lending platform to seize the bank,securities and insurance and other formal financial institutions online banking resources.In this case,formal financial institutions must speed up the pace of innovation of Internet banking in order to cope with the storm from the P2 P network lending platform struck.In the current bank money is tight,commercial banks face not only the competition of traditional service grid from physical change channels to guard against the risk of competition for the electronics,and more need to strengthen technical innovation,service innovation,channel innovation and function innovation to deal with the grass-roots network lending platform rapid development challenges.This paper is mainly on the Internet banking system of commercial bank has developed the research,has obtained the business function;then,the business requirements and functional requirements of users are analyzed,and combining with the existing business functions that the system to achieve the whole function;next,through the detailed design of the online banking system and,using Myeclipse 6.0 development platform and Java programming language realization of the system functionality required.With customer information,customer information management,bank staff,bank funds total amount of historical transaction information,personal account inquiry,today the transaction details,day trading total query,remittance and online payment function simulation function;in addition,also has carried on the system debugging and testing;finally,the system of risk to prevent a very detailed analysis,plays a vital role in the future of online banking system improvement.