商业银行网上银行系统及其风险防范的分析研究

发布时间：2018-07-06 13:42

本文选题：网上银行 + 风险防范　；参考：《江西财经大学》2016年硕士论文

【摘要】：众所周知,信息技术和电子商务在近几年得到了飞速的发展。与此同时,商业银行在借助信息技术发展的大平台下,不断改革创新,并得到了十分显著的效果,尤其是网上银行业务的大范围开展和发展。但是,好景不长,近期出现了大量的P2P网络借贷平台争相抢占银行、证券和保险等正规的金融机构网上银行的资源。在这种情况下,正规的金融机构必须加快网上银行业务的创新的步伐才能应对来自P2P网络借贷平台风暴来袭,如何进行网上银行系统的风险防范是目前的当务之急。在银行银根吃紧的当前,商业银行不但面临服务网格从传统的物理竞争转变为电子化渠道风险防范的竞争,而且更加需要加强技术创新、服务创新、渠道创新和功能创新来应对民间草根网络借贷平台迅猛发展的挑战。本论文首先主要对已经开发的商业银行网上银行系统进行调研,从而得出已经实现的业务功能;然后,对用户人群的业务需求和功能需求进行分析,并结合已有业务功能得出本系统所要实现的全部功能;接下来,通过对网上银行系统的详细设计,并且利用Myeclipse 6.0开发平台和Java程序设计语言顺利实现本系统的所需的功能。具有客户信息查询、银行职员管理客户信息、银行资金总额、历史交易明细查询、个人账户查询、今日交易明细查询、当日交易总额查询、转账汇款和模拟在线功能支付等功能;另外,还对系统进行了调试与测试;最后,对本系统进行了非常详细的风险防范分析研究,对以后网上银行系统的改善起着至关重要的作用。
[Abstract]:As we all know, information technology and electronic commerce have developed rapidly in recent years. At the same time, with the help of the development of information technology, commercial banks are constantly reforming and innovating, and have achieved remarkable results, especially in the development and development of the online banking business on a large scale. However, the situation is not long. Recently, a large number of P2P network lending platforms scramble to seize the resources of banks, securities, insurance and other formal financial institutions online banking. In this case, formal financial institutions must speed up the pace of online banking innovation in order to cope with the impact of the P2P network lending platform storm, how to carry out the online banking system risk prevention is the top priority. At present, commercial banks are faced with not only the change of service grid from traditional physical competition to electronic channel risk prevention, but also the need to strengthen technological innovation and service innovation. Channel innovation and function innovation to meet the challenge of the rapid development of folk grassroots network lending platform. In this paper, first of all, the commercial bank online banking system has been investigated, and then the business function has been realized. Then, the business needs and functional requirements of the user population are analyzed. Then, through the detailed design of the online banking system, and using the Myeclipse 6.0 development platform and Java programming language to smoothly realize the required functions of the system. With customer information query, bank staff management customer information, total bank funds, history transaction detail query, personal account query, today transaction details query, the day transaction total query, In addition, the system has been debugged and tested. Finally, the system has carried out a very detailed risk prevention analysis and research. After the improvement of the Internet banking system plays a vital role.
【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：TP311.52

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