Research On Risk Prevention And Control Of Online Banking Of SDZX Bank

Since the 1990 s,the bank on the net was born in the United States,with its low cost,high efficiency,wide application,and the four characteristics of quick and convenient,continuously affects people's economic life and the development of the society.Online banking has broken through the restriction of traditional banking business in time,operating 24 hours a day,making Banks more close to customers and convenient for customers.Online banking because of its constantly adapt to the development of information era,has gradually become the world banking competition for the strategic high ground,the international bank finance in the boom of the bank on the net.Online banking plays a very important role in the growth of banking financial institutions,the expansion of services,the adjustment of business strategies and the development of finance.However,due to the bank on the net is developed on the basis of computer technology,computer information technology and its natural with the dual characteristics of traditional Banks,virtually increased higher than traditional banking risks,improve the bank's risk monitoring and control difficulty.Therefore,the prevention and control of online banking risks has become an important part of the information age bank.This article adopts the research method of theory with practice,in a lot of reading at home and abroad,on the basis of the risk prevention and control of the bank on the net literature,on the basis of the theory of risk management,technical level of SDZX bank online banking and business level risk analysis.According to their own work experience,combined with work experience and cases,the SDZX analyzes the risks of online banking crisis,SDZX bank online banking risk evaluation index system is constructed,and the risk is assessed.According to the evaluation results,the feasible risk prevention and control measures are put forward,so that the risk prevention and control can really help the business development.SDZX bank online bank started early in China,has comprehensive business functions,and has accumulated advanced experience in online banking risk management.This article through to SDZX bank comprehensive analysis and evaluation of the risk to the bank on the net,puts forward constructive countermeasures of risk prevention,in order to improve the SDZX bank online banking risk management ability,make the risk management level has reached a new height.Through in-depth study on the risk management of SDZX bank online banking,it has certain reference significance to promote the improvement of the risk management system of China's commercial Banks online banking.