电子银行风险管理因素的实证分析

发布时间：2018-04-17 08:07

本文选题：电子银行 + 结构方程模型　；参考：《郑州大学》2017年硕士论文

【摘要】：电子银行的发展不仅对银行业有着重大的影响,对经济以及人们的生活都产生不可小觑的影响力。未来经济的发展必然要依赖于电子银行所释放的活力,但从某种意义上说,信息技术的开放性给电子银行的发展带来一定的风险。因此,为了保证电子银行能够继续发挥其对经济以及社会生活的积极作用,同时能够减少风险,对电子银行风险管理因素的研究就有重要的研究价值。本文根据经验研究方式,从历史发展的实际出发介绍电子银行发展的阶段,详细的介绍电子银行的特点,通过概念释义的方式突出电子银行与传统银行的对比。在研究电子银行发展影响因素过程中采用了实证与定性相结合的方法,利用逻辑分析和理论分析的方式提出假设变量,立足于数据说明,客观化的运用戴维斯技术接受模型(TAM)和结构方程模型等数学理论阐述相关因素与电子银行发展之间的关系,经过信度效度分析验证假设变量,从而分析得出电子银行发展的几个影响因素:使用成本、网络安全性、制度完善性、产品与服务水平、受教育水平以及电子商务。进而根据风险管理问题提出了风险管理的办法,将风险管理分为外部机制和内部管制,强调对两者的重视。文章在最后提出了加强电子银行风险管理的具体措施。总之,电子银行提供人性化服务的同时保证安全性既严格把控风险才会获得可持续的发展。
[Abstract]:The development of electronic banking not only has a significant impact on the banking industry, but also has a significant impact on the economy and people's lives.The future economic development must depend on the vitality released by the electronic bank, but in a sense, the openness of the information technology brings certain risks to the development of the electronic bank.Therefore, in order to ensure that e-banking can continue to play an active role in economic and social life, and at the same time to reduce risk, the research on risk management factors of e-banking has important research value.According to the empirical research method, this paper introduces the development stage of electronic bank from the historical development reality, introduces the characteristics of electronic bank in detail, and highlights the contrast between electronic bank and traditional bank through the way of concept interpretation.In the process of studying the influencing factors of the development of electronic banking, the paper adopts the method of combining empirical and qualitative analysis, puts forward the hypothetical variables by means of logical analysis and theoretical analysis, and bases itself on the data explanation.The objective use of Davis technology to accept the model (TAM) and structural equation model and other mathematical theory to explain the relationship between the relevant factors and the development of electronic banking, through reliability and validity analysis to verify the hypothetical variables,Several factors influencing the development of electronic banking are analyzed, such as cost of use, network security, system perfection, product and service level, education level and electronic commerce.Then according to the problem of risk management, the paper puts forward the method of risk management, divides the risk management into external mechanism and internal control, and emphasizes the importance of both.Finally, the paper puts forward some concrete measures to strengthen the risk management of e-bank.In short, e-banking provides humane services while ensuring security as well as strict risk control in order to achieve sustainable development.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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