Research On Risk Control Of E-banking In Hunan Xingsha Rural Commercial Bank

The rapid development of information technology promotes revolution and transformation of many industries.Based on modern information technology,traditional commercial banks gradually evolve into e-Banking.The birth of e-banking breaks the the model of traditional bank counter business and provides a brand new and convenient service for customers.It has become an integral part of commercial banking.However,the rapid development of of e-banking is also accompanied by technical risks and management risks,which severely restrict the enlargement of e-banking.Compared with traditional commercial banks,these risks are more complex and could cause impact and harm more widely.Through the research on risk control of commercial e-banking,avoiding or reducing the probability and impact of e-banking risks,promoting the healthy development of e-banking has become an important subject of this paper.This paper takes xrcb as the research object,explores the development and operation status of xrcb with risk management theory,analyzes the influencing factors of e-banking through questionnaire,and also builds the risk evaluation index system of xrcb from the internalmanagement,technology,operation,customer and other aspects.By using the analytic hierarchy process,10 people who are familiar with the electronic bank of xrcb are selected to score each risk index with the help of 1-9 scale method,and the weights of the first and second level indicators are designed.At the same time,this paper uses the principle of fuzzy comprehensive evaluation method to comprehensively evaluate the risk of the electronic bank of xrcb.The research results show that the comprehensive risk score of xrcb electronic bank is 67.43,which belongs to the level of "general risk".Based on the analysis of the evaluation of various risk indicators,it is proposed that the internal management risks of xrcb's e-banking should focus on the control of internal management system risks,early-warning mechanism risks,and internal control environmental risks.Technical risks should focus on the control of information system stability risks and supervision systems reliability risk,operational risk should focus on negligence risk,customer risk should focus on customer misoperation risk,and other risks should focus on legal risk and reputation risk.Based on the actual situation of xrcb's electronic bank,a targeted risk control strategy is put forward here,which has an important practical significance for promoting the healthy development of xrcb's e-banking business.