网上银行操作风险及其防范研究
发布时间：2018-08-20 14:26
【摘要】：电子商务近年来的快速发展带动了网上银行的发展，但伴随着网络银行的不断发展，其安全问题也逐渐显现。安全问题是网上银行发展过程中的核心问题,安全问题能否妥善解决是影响网上银行快速健康发展的关键。经过十几年的不断发展，网上银行也经历了从简单简易到严密规范的发展过程。目前大多数银行都非常重视并较好的解决了网上银行信息系统中自身部分的安全问题，但使用单位如果没有较强的网上银行操作风险防范意识和经验，没有建立全面和完备的风险防范体系，，仍存在较多的风险因素。本文的目的就是讨论网上银行的用户面临哪些操作风险因素，如何防范网上银行操作风险，减少用户网上银行使用不当或遭受恶意欺诈而受到的损失。 本文按照理论联系实际的原则，从风险、网上银行、操作风险等概念和研究现状入手，按照“风险因素分析-风险事件案例分析-风险防范原则-具体防范措施”作为研究思路流程，主要采取文件查阅法、实证分析法、系统分析法、归纳演绎法等研究方法，借鉴企业内部控制和信息安全理论，从制度流程设计、内部控制、软硬件安全防范、人员管理、外部单位评价与考核、特殊情况处理与业务可持续性等七个方面探讨了防范网上银行操作风险的具体措施。希望使用网上银行的单位能够提高风险防范意识，采取适合自己单位的防范措施，提高防范网上银行操作风险的能力，发挥网上银行的优势，让网上银行成为用户财务资金管理和业务开展的可靠助手。
[Abstract]:The rapid development of electronic commerce in recent years has led to the development of online banking, but with the continuous development of network banking, its security problems also gradually appear. The security problem is the core problem in the development of the internet bank. Whether the security problem can be solved properly is the key to the rapid and healthy development of the internet bank. After more than ten years of continuous development, online banking has also experienced from simple to strict development process. At present, most banks attach great importance to and solve the security problems of their own part in the online banking information system, but if the users do not have strong awareness and experience of preventing the operational risks of online banking, Without a comprehensive and complete risk prevention system, there are still many risk factors. The purpose of this paper is to discuss the operational risk factors faced by the users of online banking, and how to prevent the operational risks of online banking and reduce the losses caused by improper use or malicious fraud. According to the principle of integrating theory with practice, this paper starts with the concepts and research status of risk, online banking, operational risk, etc. According to the "risk factor analysis-risk event case analysis-risk prevention principle-specific preventive measures" as the research process, the main methods are document reference, empirical analysis, system analysis, inductive deduction and other research methods. Referring to the theory of enterprise internal control and information security, from the system flow design, internal control, hardware and software security precautions, personnel management, external unit evaluation and assessment, This paper discusses the specific measures to prevent the operational risk of online banking in seven aspects, such as special case processing and business sustainability. Those who hope to use online banking can raise their awareness of risk prevention, take preventive measures suitable for their own units, improve their ability to guard against the operational risks of online banks, and give full play to the advantages of online banks. Make online banking a reliable assistant for user financial fund management and business development.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F724.6
本文编号：2193940
[Abstract]:The rapid development of electronic commerce in recent years has led to the development of online banking, but with the continuous development of network banking, its security problems also gradually appear. The security problem is the core problem in the development of the internet bank. Whether the security problem can be solved properly is the key to the rapid and healthy development of the internet bank. After more than ten years of continuous development, online banking has also experienced from simple to strict development process. At present, most banks attach great importance to and solve the security problems of their own part in the online banking information system, but if the users do not have strong awareness and experience of preventing the operational risks of online banking, Without a comprehensive and complete risk prevention system, there are still many risk factors. The purpose of this paper is to discuss the operational risk factors faced by the users of online banking, and how to prevent the operational risks of online banking and reduce the losses caused by improper use or malicious fraud. According to the principle of integrating theory with practice, this paper starts with the concepts and research status of risk, online banking, operational risk, etc. According to the "risk factor analysis-risk event case analysis-risk prevention principle-specific preventive measures" as the research process, the main methods are document reference, empirical analysis, system analysis, inductive deduction and other research methods. Referring to the theory of enterprise internal control and information security, from the system flow design, internal control, hardware and software security precautions, personnel management, external unit evaluation and assessment, This paper discusses the specific measures to prevent the operational risk of online banking in seven aspects, such as special case processing and business sustainability. Those who hope to use online banking can raise their awareness of risk prevention, take preventive measures suitable for their own units, improve their ability to guard against the operational risks of online banks, and give full play to the advantages of online banks. Make online banking a reliable assistant for user financial fund management and business development.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F724.6
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