【摘要】：近年來隨著各領(lǐng)域辦公自動(dòng)化進(jìn)程的推進(jìn)以及電子商務(wù)的普及，網(wǎng)上銀行己經(jīng)是銀行向客戶提供金融服務(wù)的重要的渠道，在某些業(yè)務(wù)領(lǐng)域甚至已經(jīng)成為了人們交易的主渠道。網(wǎng)上銀行讓人們享受到網(wǎng)絡(luò)技術(shù)帶來方便的同時(shí)也使人們面臨巨大的風(fēng)險(xiǎn)。網(wǎng)上銀行是在傳統(tǒng)銀行的基礎(chǔ)上發(fā)展起來的，但是網(wǎng)上銀行與傳統(tǒng)銀行在運(yùn)行機(jī)制、操作平臺(tái)上又大不相同，所以它除了會(huì)面臨傳統(tǒng)銀行通常所遇到的風(fēng)險(xiǎn)外，還會(huì)遇到因?yàn)槠浣灰滋摂M化等特點(diǎn)產(chǎn)生的特有的風(fēng)險(xiǎn)；此外，即使某些風(fēng)險(xiǎn)類別與傳統(tǒng)銀行相同，但是在網(wǎng)絡(luò)虛擬的交易平臺(tái)下也會(huì)有其自身的特性。由于安全是網(wǎng)上銀行健康發(fā)展的生命線，所以在網(wǎng)上銀行面臨眾多風(fēng)險(xiǎn)的情況下，必須要重視和加強(qiáng)其風(fēng)險(xiǎn)的有效控制，保證網(wǎng)上銀行業(yè)務(wù)健康、持續(xù)，穩(wěn)定的發(fā)展。 首先，本文對(duì)網(wǎng)上銀行產(chǎn)生的背景、定義、運(yùn)作模式及其風(fēng)險(xiǎn)的種類、管理方法進(jìn)行了描述。 其次，在其理論的基礎(chǔ)上對(duì)我國(guó)網(wǎng)上銀行風(fēng)險(xiǎn)控制進(jìn)行了現(xiàn)實(shí)性的分析，一是通過模糊層次分析方法分析網(wǎng)上銀行所面臨的風(fēng)險(xiǎn)權(quán)重，從而得出網(wǎng)上銀行風(fēng)險(xiǎn)控制的重點(diǎn)風(fēng)險(xiǎn)是操作風(fēng)險(xiǎn)、戰(zhàn)略風(fēng)險(xiǎn)、信譽(yù)風(fēng)險(xiǎn)、法律風(fēng)險(xiǎn)、安全風(fēng)險(xiǎn)和技術(shù)風(fēng)險(xiǎn)，二是結(jié)合我國(guó)網(wǎng)上銀行發(fā)展的狀況及其風(fēng)險(xiǎn)控制的現(xiàn)狀分析了我國(guó)網(wǎng)上銀行風(fēng)險(xiǎn)控制過程中存在的問題。 再者，通過比較分析法比較了歐洲、亞洲和北美地區(qū)網(wǎng)上銀行風(fēng)險(xiǎn)控制方面的監(jiān)控模式、立法模式和法律實(shí)施等情況，結(jié)合我國(guó)網(wǎng)上銀行風(fēng)險(xiǎn)控制方面存在的問題探尋更適合當(dāng)前我國(guó)網(wǎng)上銀行風(fēng)險(xiǎn)控制的途徑和方法。 最后運(yùn)用歸納分析法、演繹推理法和比較分析法，在借鑒國(guó)內(nèi)外各地區(qū)網(wǎng)上銀行風(fēng)險(xiǎn)控制經(jīng)驗(yàn)的基礎(chǔ)上，從內(nèi)部和外部?jī)煞矫嫣岢隽烁倪M(jìn)和完善我國(guó)網(wǎng)上銀行風(fēng)險(xiǎn)控制的措施和建議。
[Abstract]:In recent years, with the advancement of office automation in various fields and the popularization of electronic commerce, online banking has become an important channel for banks to provide financial services to customers, and has even become the main channel for people to trade in some business fields. Online banking allows people to enjoy the convenience of network technology, but also makes people face huge risks. Internet banking is developed on the basis of traditional banks, but it is very different from traditional banks in operating mechanism and operating platform, so it will face the risks usually encountered by traditional banks. They will also encounter unique risks arising from such characteristics as the virtualization of their transactions; In addition, even if some risk categories are the same as traditional banks, they also have their own characteristics under the virtual trading platform. Since security is the lifeline of the healthy development of Internet banking, it is necessary to attach importance to and strengthen the effective control of its risks in the face of many risks, so as to ensure the healthy, sustainable and stable development of online banking business. First of all, this paper describes the background, definition, operation mode, risk types and management methods of online banking. Secondly, on the basis of its theory, the paper makes a realistic analysis on the risk control of our country's online bank. Firstly, it analyzes the risk weight of the online bank by using the method of fuzzy analytic hierarchy process (FAHP). Thus, the key risks of risk control in online banking are operational risk, strategic risk, credit risk, legal risk, security risk and technical risk. The second is to analyze the problems existing in the process of risk control of China's online banking in combination with the status quo of the development and risk control of China's online banking. Furthermore, through comparative analysis, this paper compares the monitoring mode, legislative model and legal implementation of online banking risk control in Europe, Asia and North America. Combined with the existing problems in the risk control of online banking in China, this paper explores the approaches and methods that are more suitable for the risk control of online banking in our country at present. Finally, using inductive analysis method, deductive reasoning method and comparative analysis method, on the basis of drawing lessons from the experience of domestic and foreign online banking risk control, This paper puts forward some measures and suggestions to improve and perfect the risk control of online banking in China from both internal and external aspects.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.2

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