| The concept of the Internet Banking mentioned in this thesis indicates commercial bank providing integrated,unified,secured,real-time banking services using internet technologies through the construction of electronic banking. Internet banking has made great effects in human beings economic life due to it's connatural advantage of convenience and high efficiency and has made great development in western developed countries and also in China.This thesis analyzes the various risks of Internet Banking, such as technological risk, lawful risk,credit risk,systemic risk etc. are always bothering the development of Internet Banking. Since the risk of internet banking is closely relative to the change and development of information technology, so the situation is changing rapidly, yet the laws and regulations for internet banking cannot catch up, which causes some blind points and some misleading area, this gives the chance to the criminals and may threaten the safety of the customers' and the banks' money.In China, many commercial banks has constructed it's Internet Banking system and at the same time has conducted in some kind of degree the security management and risk defence measurements. But still there is the existence of various problems such as the outdated security management technologies, the lack of risk management regulations, the imperfection of business management system, the imperfection of relevant domestic laws and rules etc. These problems blocked in the way of the development of Internet Banking and even put a question mark on the development direction of the Internet Banking.This thesis summarizes the newest research and practice of Internet Banking and it's risk defence all over the world, and figures out some measurements and notions on the basis of analyze and compare. It mainly concentrates on the development of security technologies, the construction of risk defence and security management regulations, the construction of business management and internal control systems and the construction and enhancement of relevant rules and laws. Through the construction and development of these measurements, it hopes to confirm the reliability of the system, the integrality of data, the authenticity of data, the usability of data, the security of the transaction and the undeniableness of the transaction. |
