Commercial Bank POS Acquiring Risk Research

Commercial Bank POS acquiring, refers to commercial banks as the acquiring financial institutions and merchants bank card acceptance signed agreement, in the merchant as agreed by POS terminal receiving bank card and transaction with cardholders, provide trading fund settlement services for merchants for. As a modern electronic financial services of commercial bank POS acquiring is social, electronic, finance, service and other attributes, in the whole industry of bank card with the card links with crucial significance. To provide convenient, efficient modern electronic financial services at the same time, the economic activities in the financial markets, often hidden huge financial risks. Scholars and practitioners theoretical attention and Research on risk problems must have been single for commercial bank POS, compared with the past two years the emerging network POS, phone POS, mobile POS receiving mode, some basic problems of the traditional line POS acquiring risk has not yet formed a consensus, and these problems with origin on the single risk problems emerging status, especially has deep thinking theory value and practice guidance function.Research on the basic meaning of existing commercial bank POS acquiring risk still need to define and develop the basic situation, firstly the thesis briefly introduced the conclusion by. Secondly, the paper relates to the basic theory of the principle of risk, the commercial bank: POS acquiring concept, commercial bank POS acquiring the concept of risk are explained. Mainly from the bank card risk principle and scientific research achievements of the key influence factors of risk, the commercial banks will be POS received single risk to explain: because of human greed, deviation of ideas, system defect, technical loopholes causes such as commercial banks in developing POS acquiring business suffers the loss of money, reputation lawsuits drag, derogatory, the practice ability is limited and so the possibility of adverse effects. And the elements, extension, classification are demonstrated. The causes of the risk is especially important, cause of risk is the leading cause of the risk event occurs, the risk of loss of the fundamental reasons, at the same time, the starting point is the timely and efficient risk prevention and control. Once again, the single risk to commercial banks constitute the main reason for receiving POS were the focus of in-depth analysis and refining. We divided into four causes: one is deviation of ideas, two is the system defect, three is the technical loophole, four is the weakness of human nature. The causes of the weakness of human nature is worth mentioning is not yet in academia and practice department have some attention and concern, and after reflection, we consider both the system and the technology, or a concept and regulation, only they themselves do not necessarily lead to risk, but the weakness of human nature-- in part of the hearts of the people of greed idea and system, technical defects, vulnerabilities combined, later, lawless elements balance interests found to have good prospects of gain, and the existing system and technology have loopholes, will rush into danger, defy the law growing risk incidents. Therefore, the design causes hundred proposed risk prevention and control problem of single risk to commercial bank POS in logic is combined with the previously extracted out of the. Is mainly to establish two comparison has added significance of risk prevention and control strategy: the dynamic prevention and linkage control strategy. And in the two strategy under the guidance of the spirit of an overview of risk prevention and control of specific aspects of the move, the main classification of acquiring the initial stage, training stage, laying machine stage, daily monitoring stage, abnormal events and disposal and other key institutional rules, procedure mechanism, especially the risk of liability rules in the guide, leadership, supervision business personnel business application and implementation process. Of course, also discusses the risk prevention and control of the main measures of technical level, one is POS single data collection research and development, two is the bank card development and upgrade itself replaced three POS machines, is the development of the authenticity of identification card performance, four is to construct a mechanism of risk information system open, convenient, standardized. And the refinement and summarize the main viewpoints and conclusion in the full text of the concluding part of the paper.I hope this article on Commercial Bank POS acquiring the basic connotation of the definition of risk, cause of risk, risk prevention and control of the refinement strategies and measures of the individual point of view and thinking for the field of theoretical research and practical development can benefit.