Business Risk Framework Design And Application Of Electronic Banking

At present,the state of the development of the national financial industry,which has promoted the rapid development of the national economy and the financial industry,also provides a strong impetus to the global financial trends,so as to make the economic crisis,the impact of a wider range,more extensive area.Under the influence of the financial environment,the risk of financial industry development in our country is also increasingly diversified.The importance of risk assessment in risk management is more prominent.If we can not effectively improve the level of risk assessment,it will inevitably be unable to adapt to the rapid changes in the financial industry,it will not achieve the healthy development of China’s financial industry.The main force of China’s financial industry,banks,many problems facing in the operation make the risk management is one of the important tasks of risk assessment,the establishment of a sound operational risk assessment framework,and improve its application system,for the current environment of the bank development is the inevitable choice.In recent years,the development of information technology has spread to the financial industry,the emergence and development of electronic banking is the common result of information technology and network development,and because of the characteristics of network and information technology,the risk factors and the situation of the electronic banking are more complicated.Therefore,it is necessary to design and apply the risk assessment framework of the electronic banking.This study takes Nanchang industrial and Commercial Bank of China as an example,through the basic theory and the analysis of the present situation of the electronic banking,and then summarizes the risks in the electronic banking operation.Secondly,we use risk identification and weight analysis method to analyze and design the risk assessment framework.This paper is divided into five chapters,the main research contents are as follows:The first chapter is the introduction,through the introduction of the theoretical background and practical background of the proposed this paper want to solve the problem,and has carried on the analysis to the significance of the topic,research ideas,research methods,technical route,also from at home and abroad about electronic banking risk research status and theoretical basis,a comprehensive analysis of the problems of current domestic and foreign research in and shortcomings,for the follow-up survey,analysis completes the theory upholstery.The second chapter is the theoretical basis of the electronic banking,and the twomajor issues of electronic banking,namely,the overview of electronic banking and electronic banking risk areas,electronic banking risk management,etc..Thorough analysis combined with the characteristics of the development of electronic bank abroad,characteristics of the development of electronic banking in China as well as other risks,from the category of electronic banking risk as the breakthrough point,elaborated separately the contents of legal risk,operational risk and other risks.According to the intension and classification of the electronic banking risk management,and traditional banking risk management compared by using comprehensive analysis method to define the various factors to be considered in the risk assessment of electronic banks,for risk assessment framework is designed to provide effective specific information.The third chapter is our country electronic banking business and risk status,in-depth understanding about domestic and foreign electronic banking business development status and electronic banking business processes,combined with foreign electronic bank business process management,the domestic electronic banking business management process details are summarized and detailed mining online banking,telephone banking,mobile banking business process,carries on the elaboration from the different types of electronic banking,then in view of the current situation of China’s electronic banking risk,in law and safety point of view,the proposed issues related to the analysis,the case analysis lays the theoretical foundation.The fourth chapter is electronic banking risk assessment framework design.Combined with electronic banking business risk identification,weight analysis method of electronic banking technology level risk analysis,electronic bank business operation level risk analysis were analysed,and the influence of the electronic banking business risk assessment framework.The fifth chapter describes the case analysis of XX Bank of Nanchang City,the process and results.From Nanchang,Jiangxi Province of China XX bank operations and consumer attitudes towards electronic banking as a starting point,establish a risk evaluation system of electronic banking and determine the weight of risk management factors,comprehensive evaluation of risk factors,matter of factly analysis to consider the problem.The sixth chapter the thesis draws the conclusion,and put forward the corresponding suggestions.