【摘要】：電子商務(wù)近年來(lái)的快速發(fā)展帶動(dòng)了網(wǎng)上銀行的發(fā)展，但伴隨著網(wǎng)絡(luò)銀行的不斷發(fā)展，其安全問(wèn)題也逐漸顯現(xiàn)。安全問(wèn)題是網(wǎng)上銀行發(fā)展過(guò)程中的核心問(wèn)題,安全問(wèn)題能否妥善解決是影響網(wǎng)上銀行快速健康發(fā)展的關(guān)鍵。經(jīng)過(guò)十幾年的不斷發(fā)展，網(wǎng)上銀行也經(jīng)歷了從簡(jiǎn)單簡(jiǎn)易到嚴(yán)密規(guī)范的發(fā)展過(guò)程。目前大多數(shù)銀行都非常重視并較好的解決了網(wǎng)上銀行信息系統(tǒng)中自身部分的安全問(wèn)題，但使用單位如果沒(méi)有較強(qiáng)的網(wǎng)上銀行操作風(fēng)險(xiǎn)防范意識(shí)和經(jīng)驗(yàn)，沒(méi)有建立全面和完備的風(fēng)險(xiǎn)防范體系，，仍存在較多的風(fēng)險(xiǎn)因素。本文的目的就是討論網(wǎng)上銀行的用戶(hù)面臨哪些操作風(fēng)險(xiǎn)因素，如何防范網(wǎng)上銀行操作風(fēng)險(xiǎn)，減少用戶(hù)網(wǎng)上銀行使用不當(dāng)或遭受惡意欺詐而受到的損失。 本文按照理論聯(lián)系實(shí)際的原則，從風(fēng)險(xiǎn)、網(wǎng)上銀行、操作風(fēng)險(xiǎn)等概念和研究現(xiàn)狀入手，按照“風(fēng)險(xiǎn)因素分析-風(fēng)險(xiǎn)事件案例分析-風(fēng)險(xiǎn)防范原則-具體防范措施”作為研究思路流程，主要采取文件查閱法、實(shí)證分析法、系統(tǒng)分析法、歸納演繹法等研究方法，借鑒企業(yè)內(nèi)部控制和信息安全理論，從制度流程設(shè)計(jì)、內(nèi)部控制、軟硬件安全防范、人員管理、外部單位評(píng)價(jià)與考核、特殊情況處理與業(yè)務(wù)可持續(xù)性等七個(gè)方面探討了防范網(wǎng)上銀行操作風(fēng)險(xiǎn)的具體措施。希望使用網(wǎng)上銀行的單位能夠提高風(fēng)險(xiǎn)防范意識(shí)，采取適合自己?jiǎn)挝坏姆婪洞胧�，提高防范網(wǎng)上銀行操作風(fēng)險(xiǎn)的能力，發(fā)揮網(wǎng)上銀行的優(yōu)勢(shì)，讓網(wǎng)上銀行成為用戶(hù)財(cái)務(wù)資金管理和業(yè)務(wù)開(kāi)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.
【學(xué)位授予單位】：天津大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.33;F724.6

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