Information Technology Risk Management Research On Small And Medium-sized Commercial Banks

At present, the small and medium-sized commercial banks in China is facing thegreat pressure of market competition, on the one hand, information construction hasentered a critical period of deepening, integration,and transformation, and anincreasingly rely on information technology. On the other hand, due to thecommercial bank risk management of science and technology foundation is weak,information technology management, technology risk control, system security hasbecome a serious problem, there is a huge risk, not only seriously restricts thedevelopment of business and financial product innovation, and may threaten thecountry’s financial security.This article can help banks to raise the management level of science andtechnology, providing strong support for business operation and development,improving efficiency of banking services via the exploration of small and small andmedium-sized banks information technology risk management methods. Through therelated resources of IT, and the comprehensive management of the relevant workprocess, guarantee safe and stable operation of information system, provide the bestsupport for the business. Based on the standard management of resources and process,and the needed information technology platform construction, with the help oftechnology to realize the streamline, standardization of management, to advancebeforehand identification, monitoring and post audit which realize risk prevention andreal-time monitoring, ensure information system security and stability operation,reduce the possibility of breaking banking system, ensure the stable operation of thebusiness system, prevent reputation risk caused by business emergencies bank, legalrisk, ensure the security of banking and stability of financial system.The results of this study can help our small and medium-sized commercial banksto improve our the elaborating management level of information technology risk, tofurther reduce the risk of information technology, to provide reference for the innovation of science and technology risk management.