On E-Banking Risk Prevention Of Industrial Bank

The E-banking is the outgrowth of the technological progress and the financial industry. Although its emergence has brought a series of institutional transition and unprecedented opportunities of development to the traditional banking, it has also brought the negative effect (i.e. E-banking risk) at the same time. Therefore, when we committed to the development of E-banking, preventing and controlling E-banking risk in order to ensure the safe operation of financial sector have been an important new subject which need to be solved urgently.The purpose of this paper: Through applying PDCA risk-control theory and international management-system standards to the commercial banks'regular 2operation and practice, we are able to handle risk-garding problem in E-banking. That is, we are going to search for such issue that how could commercial banks do so that their banking could develop stablely and healthly through scientific risk-management.In this paper, we analyzed the advantages of E-banking, the expression of risk and the risk-garding measures which have used in domestic and abroad E-banks. Next, through learning the advanced experiences of foreign countries and refering to the relevant principles Basel Committee formulated, we tried to seek the international guidelines for E-banking's risk-garding so as to improve the risk-garding level of domestic E-banks.Industrial Bank Of China as an example, this paper deeply illustrated CIB's development situation and strategy of E-banking, summarized the main problems of E-banking risk-garding CIB faced and the reason of these problems. On this basis, it makes propose of implementation strategy at operational and technical level. That is, at operational level, CIB ought to comprehensively use PDCA risk-control theory and constantly explore risk-points of operational activities, and then, put in business-risk-garding measures. At the technical level, it should apply international management system standards to its construction of internal-control system and perfect information&science risk controlling in order to offer business and technical support to CIB E-banking's smoothly development.