The Research On Risk Management Of Internet Banking Of Tianjin City Commercial Bank

Online banking provides financial services to the customers and the banking business with the help of Internet. Because of its convenience, efficiency and good effect, more and more people begin to try and accept this new type of service and it ranks a big proportion in the banking services. The risk management of online banking is a popular and challenging topic in this industry. Technical risk is in the outstanding position in the banking risk management, in which system security issue is the most obvious. Related with system issue there are operational risks arisen from system design and operational deficiency. Therefore, it is a must to strengthen the risk analysis and the control of online banking, reduce the various risks brought by online financial service and cut down the possibility of the loss the online banking could suffer in decision-making and operation. In order to prevent and control the online banking risks, we must deeply seek for the approaches and the solutions to solve the problems of online banking risk in accordance with the thought of risk management and specifically demonstrate and analyze it based on Tianjin City Commercial Bank's current situation.This article first introduces the brief and the situation of development of online banking, and the difference between online banking and traditional banking. And it also demonstrates the increase of loss caused by cases of banking infraction related with risk management in the situation that online banking business increases sharply and its importance in the bank is growing day by day. In this background, the article raises the issue of online banking risk control and preliminarily studies the necessity of risk management.Second, the article especially defines the risk of online banking and analyzes and studies the risks existing in the online banking in the respects of environmental risk, technical means and system risk. It also introduces the impact the risk of online banking to the bank and specifically analyzes the reasons of the risk of online banking. The reason analysis also provides a solid theoretical foundation to the further research on making the risk control strategy.Also,the article studies further on the theories of how to deal with the online banking risk, how to improve the control of online banking risk by establishing internal control system, how to increase the reliability of online banking system in technical respect (including establishing a security verification system of the online banking system with clear structure, the combining system of identification technology and live password technology, etc.) and how to strengthen customer management, establish online banking risk assessment system, etc..In the last, the article dissertates the current prevention and management measures aiming at the risk prevention and related system of the online banking of Tianjin City Commercial Bank. It also analyzes the business consistency and emergency plan of Tianjin City Commercial Bank and provides the solutions to improve the practice of the risk prevention, establish the financial computer audit, strengthen the personnel backup of network. It studies the risk management issue of the online banking of Tianjin City Commercial Bank overall and solidly. It is expected that the risk situation of Tianjin City Commercial Bank can be improved and the its level of risk prevention can be raised to a new altitude.