本文選題：電子銀行 + 風險識別�。� 參考：《哈爾濱理工大學》2012年碩士論文

【摘要】：1984年,中國工商銀行成立。經(jīng)過20多年的改革發(fā)展,中國工商銀行已經(jīng)步入了發(fā)展規(guī)模和質(zhì)量效益協(xié)調(diào)穩(wěn)健的發(fā)展軌道,并且其資產(chǎn)規(guī)模在我國國內(nèi)商業(yè)銀行中位居首列。另外,面對復(fù)雜多變的國際國內(nèi)環(huán)境,中國工商銀行堅持以轉(zhuǎn)變發(fā)展方式為主線,積極推動經(jīng)營結(jié)構(gòu)調(diào)整和業(yè)務(wù)創(chuàng)新,保持了業(yè)務(wù)的穩(wěn)健發(fā)展和盈利的穩(wěn)定增長,繼續(xù)成為全球盈利、市值、客戶存款和品牌價值第一的上市銀行。 電子銀行業(yè)務(wù)作為一項全新的金融服務(wù)方式和經(jīng)營渠道,不僅為銀行傳統(tǒng)業(yè)務(wù)帶來了新的挑戰(zhàn)和發(fā)展機遇,極大程度地提高了銀行的服務(wù)水平,同時,也使得銀行在提供這項業(yè)務(wù)時面臨著新的風險和困難。為了更好地開展電子銀行業(yè)務(wù),如何有效防范電子銀行風險,促進金融業(yè)安全穩(wěn)健運行已成為當前亟需解決的重要問題。與西方發(fā)達國家相比,我國國內(nèi)電子銀行發(fā)展水平還相對滯后,對電子銀行的認識不夠全面,對影響電子銀行業(yè)務(wù)發(fā)展的風險因素缺乏系統(tǒng)地研究。因此,加強對電子銀行業(yè)務(wù)風險問題的研究,并按照風險管理的思路,探索科學合理地電子銀行業(yè)務(wù)風險防范對策,從而更好的開展電子銀行業(yè)務(wù)。 本文在對中國工商銀行電子銀行業(yè)務(wù)的現(xiàn)狀進行分析的基礎(chǔ)上,運用風險評價理論,對工行電子銀行業(yè)務(wù)技術(shù)層面和業(yè)務(wù)層面的風險因素進行研究。主要采用定性分析與定量分析相結(jié)合的方法對電子銀行風險進行識別,分別從技術(shù)層面和操作層面兩個維度選取評價指標,構(gòu)建中國工商銀行電子銀行風險評價體系,同時利用層次分析法對各層次風險指標的權(quán)重進行了計算,綜合評價了影響工行電子銀行業(yè)務(wù)風險的各項因素,最后對如何有效防范中國工商銀行電子銀行業(yè)務(wù)風險提出了對策與建議。 本文對中國工商銀行電子銀行業(yè)務(wù)風險做了全面的分析與評價,提出了具有實際意義并且有針對性的風險防范措施,從而不斷提高中國工商銀行的電子銀行業(yè)務(wù)風險防范水平和風險防范能力。
[Abstract]:In 1984, the Industrial and Commercial Bank of China was established. After more than 20 years' reform and development, ICBC has stepped into the track of harmonious development of development scale and quality and benefit, and its asset scale ranks first among domestic commercial banks in China. In addition, in the face of a complex and changeable international and domestic environment, the Industrial and Commercial Bank of China adheres to the principle of changing the mode of development, actively promotes the adjustment of the operation structure and business innovation, and maintains the steady development of business and steady growth of profits. Continue to be the first listed bank to make global profits, market value, customer deposits and brand value. Electronic banking, as a new financial service mode and management channel, not only brings new challenges and development opportunities to the traditional banking business, but also greatly improves the service level of banks, at the same time, It also makes banks face new risks and difficulties in providing this business. In order to develop the electronic banking business effectively how to prevent the risks of electronic banking and promote the safe and stable operation of the financial industry has become an important problem that needs to be solved. Compared with the western developed countries, China's domestic electronic banking development level is relatively lagging behind, the understanding of electronic banking is not comprehensive enough, and the risk factors that affect the development of electronic banking business are not systematically studied. Therefore, we should strengthen the research on the risk of electronic banking, and explore the scientific and reasonable countermeasures to prevent the risks of electronic banking according to the idea of risk management, so as to better carry out the business of electronic banking. Based on the analysis of the current situation of ICBC's electronic banking business, this paper studies the technical and business risk factors of ICBC's electronic banking business by using the theory of risk evaluation. This paper mainly adopts the method of qualitative analysis and quantitative analysis to identify the risk of electronic bank, selects the evaluation index from the technical level and the operational level, and constructs the evaluation system of industrial and commercial bank of China. At the same time, the weight of the risk index is calculated by AHP, and the factors influencing the risk of ICBC electronic banking are comprehensively evaluated. Finally, the countermeasures and suggestions on how to effectively prevent the risks of ICBC electronic banking are put forward. This paper makes a comprehensive analysis and evaluation of the risks of ICBC's electronic banking business, and puts forward some practical and targeted risk prevention measures. In order to continuously improve the ICBC electronic banking business risk prevention level and risk prevention ability.
【學位授予單位】：哈爾濱理工大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.2

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