Research On Online Banking Operational Risk And Prevention

Recent years,the development of Electronic Commerce have brought onlinebanking many opportunities, but along with the continuous development of onlinebanking, security issues have gradually emerged. Security issues proper solution is toinfluence the key to rapid and healthy development of online banking. After ten yearsof continuous development, online banking experience from simple and easy to strictspecification development process. At present, most of the Bank attaches greatimportance to and a better solution to the problem of online banking informationsystem, the part of the security, If users do not have a strong online bankingoperational risk awareness, do not establish a comprehensive and complete riskprevention system, there are still more risk factors. The purpose of this paper is todiscuss the online banking users face risk factors and how to guard against the risk ofonline banking operation to reduce the loss of user improper use online banking orsubjected to malicious fraud by Internet banking.In accordance with the principle of combining theory with practice, to start fromthe concept and research status of risk, online banking, operational risk analysis inaccordance with the "Risk Factors-Risk Event Case Study-risk prevention principle-specific preventive measures" as the process of research ideas, take thefileinspection method, empirical analysis, system analysis, summarized theinterpretation of other research methods, drawing on internal control and informationsecurity theory, from the system process design, internal control, hardware andsoftware safety precautions, personnel management, the external unit evaluation andassessment, specialcase dealing with business sustainability seven aspects of thespecific measures to guard against the risk of online banking operation. Want to useonline banking users to improve risk prevention awareness, take precautions for theirown units, the ability to improve the prevention of online Banking Operational Riskadvantage of online banking, online banking a user financial fund management andbusiness development and reliable assistant.