重庆银行网上银行风险评价体系研究

发布时间：2018-01-08 06:27

本文关键词：重庆银行网上银行风险评价体系研究　出处：《重庆师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：计算机与网络技术的快速发展，，带来了信息传播方式的革命，传统的实物传递，面对面交易方式已经被多媒体存储和互联网所取代，数字化、网络化趋势象一股大潮推动了传统行业的信息化进程，网上银行——这种依托于现代信息技术的新型银行运营服务模式也随之应运而生。网上银行以其不可比拟的优势，显著提高了传统银行业的服务水准和经营效率，同时也给传统银行业带来了前所未有的发展空间。然而，也正是这种新型的模式，给传统银行业的经营管理带来了新的风险和较大的挑战，因此如何防范控制网上银行的风险，成为网上银行业务发展急需解决的重要课题。我国的网上银行发展与国外发达国家相比，还很不成熟，对网上银行的风险问题缺乏系统性研究，因此，深入分析网上银行风险形成的机理，积极探索有效防范和控制网上银行风险的方法，对强化网上银行风险管理是十分必要的。本文从网上银行风险管理理论入手，运用定性分析与定量分析相结合的研究方法，抓住重庆银行网上银行技术与业务两个层面的风险特点，构建了针对网上银行的风险评价指标体系，并应用该评价指标体系对重庆银行网上银行的风险进行了评价实践，得出结论，亦针对性的提出防范与控制风险的相关对策，增强了重庆银行网上银行风险的防范与控制能力，提升了重庆银行网上银行的风险管理水平。
[Abstract]:The rapid development of computer and network technology, brings a revolution in the way of information dissemination, transfer of real tradition, face to face transactions have been replaced by multimedia storage and Internet, digital, network trend like a tide to promote the information process of traditional industry, the banks rely on Internet in the modern information technology of the new bank operation the service mode also came into being.
Internet banking with its incomparable advantages, improve the traditional banking service level and operating efficiency, but also brought hitherto unknown development space to the traditional banking industry. However, it is this kind of new pattern, brings new risks and challenges to the traditional management system of large banks, therefore how to prevent the risk control of online banking, Internet banking has become an important issue that needs to be resolved. The development of Internet banking in China compared with developed countries, is still immature, lack of systemic risk problems in Internet banking so in-depth analysis of mechanism of online banking risk, and actively explore effective prevention methods and control the risk of online banking, it is necessary to strengthen the risk management of Internet banking.
This paper from the theory of risk management of Internet banking, the use of research methods of qualitative analysis and quantitative analysis, grasp the risk characteristics of two aspects of Bank of Chongqing technology and business, construction risk evaluation index system for online banking, and the application of the evaluation index system for the evaluation of the risk of the Bank of Chongqing online practice. The bank concluded that the related countermeasures of risk prevention and control, strengthen the prevention and control ability of Chongqing Bank Internet banking risk, enhance the Bank of Chongqing's risk management level.

【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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