Research On China E-banking Risk Assessment

E-Banking has changed the traditional manual operation of banks, and it gradually forms a new bank system of automatic processing, electronic service and managing informationization. E-Banking is coming to be the important competition measure of financial products and services for banks. It is exerting a growing important effect in the finance industry. China has set up a basic E-Banking service system, and the venture evaluation is a significant method in strengthening its management and also an important assurance for its sustainable and healthy development.The paper is divided into six chapters. The first chapter is the introduction. The second chapter is the concept and the current situation at home and abroad of the E-Banking risk. The third chapter expounds the establishment of evaluation indicator system for Chinese E-banking risk. The forth chapter introduces the construction of Chinese E-banking risk evaluation methodology. The fifth chapter discusses empirical research on Chinese E-banking risk. In the sixth chapter comes the conclusion and the prospects.As the basis for research and theory of E-banking Risk Assessment System which is one subject of Electronic Financial Service Demonstration Project, in the National Scientific and Technical Support Plan During the 11th Five-year Plan-"Modern Service Common Technologies Support System and Application Demonstration Project", this thesis establishes e-banking risk assessment system through the research on Risk Forewarning of Financial Organizations and Analysis model as well as its related technologies.The major work of this paper is as follows:This paper constructs comprehensive, systematic and observable evaluation indicator system of Chinese E-banking risk. Based on the high frequency which has occurred in the typical documents from the international authorities such as China Banking Regulatory Commission, Basel Capital Accord and Hong Kong Monetary Authority, simultaneous binding with the meeting discussion and telephone survey on the Industrial and Commercial Bank of China and China Construction Bank Agricultural Bank of China adding up to 16 banks and the field research on Dalian City Commercial Bank, this paper constructs the evaluation indicator system consisting of four first-class indicators such as board or management risk, the key technology risk and inherent risk, twelve second-class indicators such as organizational planning, technology risk and account management, fifty-one third-class indicators such as planning and organization, e-banking information security management and information confidential and integrity. This paper establishes Chinese e-banking risk evaluation methodology based on the AHP method and Delphi method.The e-banking risks of Bank of China and Bohai Bank are evaluated. Firstly, based on the supervision content of Hong Kong Monetary Authority, this paper analyses the e-banking business risks of Bank of China and Bohai Bank qualitatively. Secondly, using the evaluation indicator system of e-banking risk and the evaluation model based on the AHP and Delphi, this research analyses the e-banking business risks of Bank of China and Bohai Bank quantitatively. Thirdly, based on the evaluation of Chinese e-banking risk, this paper provides the policy suggestion for e-banking risk supervision and control of Chinese bank industry.