本文選題：網(wǎng)上銀行 + 環(huán)境風險�。� 參考：《湖南大學》2012年碩士論文

【摘要】：本文以建設(shè)銀行網(wǎng)上銀行業(yè)務創(chuàng)新帶來的風險為出發(fā)點，研究湖南建行網(wǎng)上銀行應該如何進行風險防范及管理。文章對網(wǎng)上銀行的業(yè)務風險進行了理論分析，首先闡述了網(wǎng)上銀行業(yè)務風險的內(nèi)涵；其次從網(wǎng)上銀行的環(huán)境風險、技術(shù)風險和系統(tǒng)風險三個方面探討了網(wǎng)上銀行業(yè)務風險在技術(shù)層面上的主要表現(xiàn)，并提出了對網(wǎng)上銀行業(yè)務風險管理分析研究的必要性；最后針對以上三類風險分別論述了其形成的機理。 通過典型案例，本文闡述了建行湖南省分行網(wǎng)上銀行業(yè)務風險管理的現(xiàn)狀、存在的主要問題以及產(chǎn)生的原因。通過研究國外網(wǎng)上銀行風險管理的成功經(jīng)驗以及高效、成熟的風險控制機制，跟蹤借鑒目前國外先進的信息安全解決方案，，提出了建行湖南省分行網(wǎng)上銀行業(yè)務風險管理的一些可行途徑以及風險管理的對策建議。從建立完善的組織體系、推進人力資源管理、健全網(wǎng)絡管理監(jiān)督體系、強化綜合管理四個方面來完善建行湖南省分行網(wǎng)上銀行業(yè)務的組織管理；從改善網(wǎng)上銀行的物理環(huán)境、加強操作的安全管理、健全反病毒掃描監(jiān)管系統(tǒng)三個方面優(yōu)化建行湖南省分行網(wǎng)上銀行的軟環(huán)境；通過建設(shè)基于Web2.0的網(wǎng)上金融服務、完善網(wǎng)上銀行產(chǎn)品研發(fā)機制、建立健全與微軟公司產(chǎn)品兼容性測試的同步部署機制、積極開展手機銀行和手機支付的產(chǎn)品創(chuàng)新、理順電子銀行業(yè)務反欺詐策略等金融技術(shù)創(chuàng)新手段，從而促進建行湖南省分行網(wǎng)上銀行業(yè)務的發(fā)展；最后從建設(shè)包括網(wǎng)絡保障體系、身份認證與授權(quán)體系、安全運維審計體系、密碼安全服務平臺、防病毒體系、桌面安全體系、互聯(lián)網(wǎng)安全訪問控制體系、軟件安全保障體系及數(shù)據(jù)安全保障體系等系統(tǒng)來保障建行湖南省分行網(wǎng)上銀行業(yè)務的安全運行。
[Abstract]:Based on the risks brought by the innovation of China Construction Bank's online banking business, this paper studies how to prevent and manage the risks of Hunan Construction Bank's online banking. This paper makes a theoretical analysis on the business risk of online banking. Firstly, it expounds the connotation of the business risk of online banking, and secondly, from the environmental risk of online banking, This paper discusses the main performance of online banking business risk on the technical level from three aspects of technical risk and system risk, and puts forward the necessity of analyzing and studying the risk management of online banking business. Finally, the formation mechanism of the above three kinds of risks is discussed respectively. Through typical cases, this paper expounds the present situation, the main problems and the causes of the risk management of the bank's online banking business in Hunan Branch of China Construction Bank. By studying the successful experience of foreign online banking risk management and the effective and mature risk control mechanism, we can trace and learn from the advanced information security solutions of foreign countries. This paper puts forward some feasible ways of risk management of online banking business in Hunan Branch of CCB and the countermeasures and suggestions of risk management. From the following four aspects: establishing perfect organization system, promoting human resource management, perfecting network management and supervision system, strengthening comprehensive management, perfecting the organization and management of the online banking business of CCB Hunan Branch, improving the physical environment of online banking, Strengthen the safety management of operation, perfect the supervision system of anti-virus scanning, optimize the soft environment of Internet banking in Hunan Branch of CCB, improve the research and development mechanism of online banking products through the construction of online financial services based on Web2.0, To establish and improve the synchronous deployment mechanism for product compatibility testing with Microsoft, to actively develop product innovation in mobile banking and mobile payment, and to straighten out the financial technology innovation means such as electronic banking anti-fraud strategy, etc. In order to promote the development of the online banking business of CCB Hunan Branch, the last part is the construction of network security system, identity authentication and authorization system, security operation and maintenance audit system, cryptographic security service platform, anti-virus system, desktop security system, The Internet security access control system, the software security system and the data security system are used to ensure the safe operation of the bank's online banking business in Hunan Branch.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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