A Study On Internet-bank Transaction Security

Internet-bank is one of the most Influential financial innovation of the 20th Century. Information Revolution has changed the traditional management mode and concept of banking, formed it as a new format of banking. Since SFNB(Security First Network Bank) start running, the Interne-bank shows its mighty vitality owing to its 3A service, low cost, convenience, Individual Service and other characteristics. Internet-bank in China appeared not later than others, the first one can trace back to February 1996, and it developed fleetly and persistently. Since Bank of China built its website firstly and China Merchants Bank supplied its first online payment services, in very few years, China's internet-bank has developed and spread countrywide, and has been widely used.The internet-bank is not just the combination of traditional commercial bank and internet, it has its characteristics and advantages, and these bring a series of security problems, take a deep infection on banking. Although the internet-bank has a good foreground, the problem about transaction security is always restricting the development of internet-bank. With the diversification of financial crime on net-work and the ubiquitous disadvantages of current transaction security, such as the low devotion of constructing network security, the lag of security corresponding product, lack of consummate evaluative model of transaction security and so on, the matters about security has become the bottleneck of the internet-bank development. How to strengthen risk analyse and management of internet-bank, guarantee the transaction security, reduce the probability of suffering from the loss, has become a serious problem. This thesis choices several evaluate index and weights them on the basis of researches about the data tend towards and the taches witch risk easier to take place, then constitutes a evaluation index model of internet-banking transaction security based on AHP method. This model can weight and confirm the grade of the transaction security, and provide a basis both for the internal and external management of internet-banking transaction security.After analyzing the development of international internet-bank, this thesis considers that overall planning should be ensured on the basis of prudence, the internal and external should work together, intensify the business risk management and internal controlling, and figures out that the individual bank system should be conformed, builds up a internet-bank security center, in this way, the confusion of web site, the waste of resources, the disunity of digital certificate, etc. can be solved. Next, we should gradually empolder the internet-bank in depth based on the traditional bank, meanwhile increase the force of technical defendance and off-site supervision, build up internet-bank risk supervision system, finally, we should consummate the correlative law or regulation, protect the security of internet-bank transaction roundly.