我国商业银行信息安全的风险评估研究

发布时间：2018-05-15 18:28

本文选题：商业银行 + 信用卡　；参考：《北京化工大学》2010年硕士论文

【摘要】： 商业银行在我国经济发展中具有举足轻重的位置,而商业银行的业务主要是信息流和资金流的运动,商业银行发生信息安全风险,不仅会对银行资金的安全造成威胁,还可以传导到社会的其他行业,从而造成整个经济体系、社会秩序混乱,甚至威胁到国家安全。近几年来我国信用卡业务发展十分迅猛,信用卡等银行业务的实施及发展给国内商业银行带来利益的同时,也带来了新的信息安全问题。国内外信用卡信息泄密事件频繁发生,给商业银行以及国家经济造成损失。在这一背景下,建立一套包含信用卡新业务下的商业银行信息安全的风险评估体系是必要而现实的。本文在借鉴前人研究成果的基础上,综合考虑商业银行信息流程风险以及技术风险,增加了信用卡业务引发的商业银行信息安全的风险因素,构建了我国商业银行信息安全风险评估指标体系。论文选择层次分析方法来确定各评估指标的权重,利用灰色系统评价法对我国商业银行信息安全的风险进行综合评估。针对已经建立的我国商业银行信息安全的风险评估指标体系,选取了我国A商业银行进行实证分析,从而检验了评估模型的科学性和合理性。信用卡风险评估充实了我国已有的商业银行柜台业务、信贷业务的信息安全的风险评估体系,有效识别信用卡业务中的信息安全风险,为商业银行实施风险控制提供依据,从而有效的降低商业银行信息安全风险,提高客户满意度。
[Abstract]:Commercial banks play an important role in the economic development of our country. The business of commercial banks is mainly the movement of information flow and capital flow. The occurrence of information security risks in commercial banks will not only pose a threat to the security of bank funds. It can also be transmitted to other sectors of society, causing chaos in the entire economic system, social order, and even threatening national security. In recent years, the development of credit card business in China is very rapid. The implementation and development of credit card and other banking business bring benefits to domestic commercial banks, but also bring new information security problems. Domestic and foreign credit card information leaks occur frequently, causing losses to commercial banks and national economy. Under this background, it is necessary and realistic to establish a risk assessment system of information security for commercial banks under the new business of credit card. Based on the previous research results, this paper comprehensively considers the risk of information flow and technology risk of commercial banks, and increases the risk factors of information security of commercial banks caused by credit card business. The index system of information security risk assessment of commercial banks in China is constructed. The paper chooses the analytic hierarchy process (AHP) method to determine the weight of each evaluation index, and makes a comprehensive evaluation of the risk of information security of commercial banks in China by using the grey system evaluation method. In view of the established risk assessment index system of information security of commercial banks in China, A commercial banks in China are selected to carry out empirical analysis, so as to test the scientific and reasonable evaluation model. Credit card risk assessment enriches the existing information security risk assessment system of commercial banks in China. It can effectively identify the information security risks in credit card business and provide the basis for the implementation of risk control in commercial banks. In order to effectively reduce the risk of information security of commercial banks, improve customer satisfaction.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：F832.33

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