Research On Risks Prevention Of E-Banking Promotion In Liaoning Rural Credit Cooperatives

Internet banking is the product of the financial industry and the modern networkinformation technology, the combination of financial innovation, its presenceprovides a hitherto unknown development opportunity, to the banking industry at thesame time, the Internet Banking for bank risk control has brought great challenges.In this paper, the bank on the net of Liaoning province rural credit cooperatives asthe research object, to explore the risk control in the bank on the net of thepromotion, will help the rural credit cooperatives in Liaoning Province, furtherunderstanding and the analysis of the characteristics and development trend ofInternet banking; contribute to the rural credit cooperatives in Liaoning Province,further recognition and analysis of various risks of Internet banking in the promotionof and its prevention measures; risk through concrete analysis on the promotion ofrural credit cooperatives of Internet banking in Liaoning Province, and put forwardreasonable suggestions to the risk control and management, help for the rural creditcooperatives of Liaoning Province further health fast development and make its owncontribution, provides an important theoretical reference value for other.This paper mainly risk on the extension project of Liaoning Province RuralCredit Cooperatives of the bank on the net is identified, existing to the projectmarket risk, management risk and technology risk analysis. Market risk is mainlyembodied in the fierce market competition lead to bank online promotion blocked,potential customers technical problems caused by Internet banking use rate is low,the asymmetry of information and Internet banking market share is low; riskmanagement lag, mainly for the management level management coordination are not in place, the internal control system is not perfect, lack of professional personnel,risk management, risk management process not perfect; technical risk mainly chooserisk, system security risk, external technical support risk, technology risk.Projects to promote comprehensive rural credit cooperatives in Liaoningprovince online banking risk factors, mainly as follows: the intense marketcompetition, lack of awareness of potential customers, internal bank managementdeficiencies, computer network instability. The fierce competition in the market ismainly embodied as a sign of bank internationalization and the advanced nature ofthe bank on the net, the momentum of development of the domestic Internet bankingwill be rapid, Internet banking has become the focus of competition between Chinesebanks and foreign banks; the potential customer cognitive level is mainly reflected inthe characteristics of Internet bank consumer groups, consumers to contact the bankon the net percentage, consumer attitudes toward Internet banking, consumerawareness of Internet banking, marketing is not enough, the market awareness is nothigh, lack of understanding and awareness of customer real; bank internalmanagement system deficiencies mainly reflected in the management of Internetbanking cognition is not enough, the failure of bank internal control system, internalorganization can not adapt to the development of Internet banking business;computer network instability is mainly embodied in the customer operation bad,infected trojan virus, computer network security awareness is not high, the computerexternal threats, defect risk analysis system. These problems will affect the Internetbanking in Liaoning Province Rural Credit cooperatives.In order to Internet banking successfully to the market, this paper finallydeveloped risk control scheme of online bank promotion project, the overall aim ofthis programme is to reduce risk, smooth promotion, expand the market, perfect theinternal control system; risk control includes the principle of consistency principle,comprehensive principle, systematic principle, centralization and decentralization. Unified principle, cost principle; the main contents of risk control scheme includesrisk identification, risk measure, risk control three aspects; safeguard mechanismimplementation includes the positive publicity, to speed up the bank on the net useof the process, establish a healthy internal control culture, strengthen technicalsecurity of Internet banking, Internet Banking risk internal control system perfect.