China Agriculture Bank Shaanxi Province Branch Internet Bank Risk Management Research

In today's world, accompanied by the development and application of science and technology, especially IT technology and network technology by leaps and bounds, on the production and society in all spheres of life had a dramatic impact. Today is the 21st century a network of rapid economic development and gradually took the time ripe, and the banks online banking business development, information in such a wave of building is not far behind, and then change the domestic banking sector is relatively traditional, low - efficient operation and management processes, and improve the overall competitiveness of the banking sector, state-owned banks accelerated the process of internationalization. Now major state-owned commercial banks are being carried out online banking, and fully aware of its necessity and importance, so in recent years, the major commercial banks, Internet banking has made significant breakthroughs and development.However, as an emerging business development, which not only give banks positive effect, at the same time it also give management of the banking sector, especially in risk management has brought new questions and challenges. Security, stability, reliability are the lifeblood of banks, and therefore the development of Internet banking at the same time bring new questions for the online bank's risk monitoring and management of the more important. The purpose of this study are: through the analysis of online banking operations and problems of the status quo, risk management theory and control theory as well as the PDCA process approach, applied to e-banking risk management practice, in order to address the e-banking risk management problem to further explore how to make e-banking risk management to rationalize the scientific and the promotion of e-banking business continued healthy development.In this paper, China Agriculture Bank Shaanxi Branch of Internet banking as the main research subjects are analyzed at this stage the formation of e-banking risk factors, focused on e-banking business risks specific to the risk of the bank at the current On-line banking risk management in the main issues facing the risk of a summary and analysis, drawing on the contemporary world of advanced e-banking risk management ceremony read, combined with China Agriculture Bank Shaanxi Branch of the actual online banking, has put forward specific and feasible e-banking risk management flow, developed a precautionary measure, a result of China Agriculture Bank Shaanxi Branch of the online banking risk management scientific regulation, Fan and has laid a solid foundation.