Research On Risk Management Of Electronic Banking Business Development Of Taiyuan Rural Commercial Bank

With the development of Internet finance,it not only impacts the traditional counter business,but also brings opportunities for the development of commercial banks’ electronic banking.Compared with traditional counter business,electronic banking can reduce counter pressure,reduce operating costs,improve service efficiency and expand market space.However,at the same time of development and innovation,due to system loopholes,customer security awareness is not strong,lawbreakers are arbitrary and so on,the development of e-banking business risks also follow.If we fail to take effective measures in time,it may cause client money loss,harmful to the reputation of the commercial banks will be.This paper focuses on the development of e-banking business of TY Rural Commercial Bank.Firstly,this paper expounds the research background and significance of this paper,and the literature reviewed.Then,it introduces the concept of e-banking,the characteristics of e-banking business and the development of e-banking at home and abroad.Then,it describes the general situation of TY Rural Commercial Bank’s e-banking business,compares it with similar products in the same industry in terms of product functions and security,and analyzes the development status of e-banking business with a large number of data.According to the risk identification,risk assessment,risk control and risk prevention,this paper does risk management on the e-banking business of TY Rural Commercial Bank.According to the "Core Principles of Effective Banking Supervision" issued by Basel Committee,this paper makes risk identification and causes analysis from different perspectives.Then,combined with the actual business,the paper focuses on the assessment of operational risk,reputation risk and legal risk of TY Rural Commercial Bank,and analyzes the causes of the problems existing in the development of e-banking business.We have improved the operational risk assessment,built a new reputation risk assessment and paid more attention to legal risk assessment.Then,put forward the TY rural commercial bank e-banking business risk control and prevention countermeasures.Finally,this paper comes up with some advice for the development of electronic banking business of TY Rural Commercial Bank.First,attach importance to risk management and build a complete risk management system;Second,enrich the product system and develop diversified products;Third,improve the technical level of network finance and strengthen the construction of network security;Fourth,establish a talent team to improve the level of e-banking services;Five is to strengthen training,enhance the awareness of prevention;Sixth,strengthen cooperation to provide multi-dimensional and all-round financial services.