本文選題：網(wǎng)上銀行 + 環(huán)境風(fēng)險(xiǎn)　； 參考：《湖南大學(xué)》2012年碩士論文

【摘要】：本文以建設(shè)銀行網(wǎng)上銀行業(yè)務(wù)創(chuàng)新帶來(lái)的風(fēng)險(xiǎn)為出發(fā)點(diǎn)，研究湖南建行網(wǎng)上銀行應(yīng)該如何進(jìn)行風(fēng)險(xiǎn)防范及管理。文章對(duì)網(wǎng)上銀行的業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行了理論分析，首先闡述了網(wǎng)上銀行業(yè)務(wù)風(fēng)險(xiǎn)的內(nèi)涵；其次從網(wǎng)上銀行的環(huán)境風(fēng)險(xiǎn)、技術(shù)風(fēng)險(xiǎn)和系統(tǒng)風(fēng)險(xiǎn)三個(gè)方面探討了網(wǎng)上銀行業(yè)務(wù)風(fēng)險(xiǎn)在技術(shù)層面上的主要表現(xiàn)，并提出了對(duì)網(wǎng)上銀行業(yè)務(wù)風(fēng)險(xiǎn)管理分析研究的必要性；最后針對(duì)以上三類(lèi)風(fēng)險(xiǎn)分別論述了其形成的機(jī)理。 通過(guò)典型案例，本文闡述了建行湖南省分行網(wǎng)上銀行業(yè)務(wù)風(fēng)險(xiǎn)管理的現(xiàn)狀、存在的主要問(wèn)題以及產(chǎn)生的原因。通過(guò)研究國(guó)外網(wǎng)上銀行風(fēng)險(xiǎn)管理的成功經(jīng)驗(yàn)以及高效、成熟的風(fēng)險(xiǎn)控制機(jī)制，跟蹤借鑒目前國(guó)外先進(jìn)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(wù)風(fēng)險(xiǎn)管理的一些可行途徑以及風(fēng)險(xiǎn)管理的對(duì)策建議。從建立完善的組織體系、推進(jìn)人力資源管理、健全網(wǎng)絡(luò)管理監(jiān)督體系、強(qiáng)化綜合管理四個(gè)方面來(lái)完善建行湖南省分行網(wǎng)上銀行業(yè)務(wù)的組織管理；從改善網(wǎng)上銀行的物理環(huán)境、加強(qiáng)操作的安全管理、健全反病毒掃描監(jiān)管系統(tǒng)三個(gè)方面優(yōu)化建行湖南省分行網(wǎng)上銀行的軟環(huán)境；通過(guò)建設(shè)基于Web2.0的網(wǎng)上金融服務(wù)、完善網(wǎng)上銀行產(chǎn)品研發(fā)機(jī)制、建立健全與微軟公司產(chǎn)品兼容性測(cè)試的同步部署機(jī)制、積極開(kāi)展手機(jī)銀行和手機(jī)支付的產(chǎn)品創(chuàng)新、理順電子銀行業(yè)務(wù)反欺詐策略等金融技術(shù)創(chuàng)新手段，從而促進(jìn)建行湖南省分行網(wǎng)上銀行業(yè)務(wù)的發(fā)展；最后從建設(shè)包括網(wǎng)絡(luò)保障體系、身份認(rèn)證與授權(quán)體系、安全運(yùn)維審計(jì)體系、密碼安全服務(wù)平臺(tái)、防病毒體系、桌面安全體系、互聯(lián)網(wǎng)安全訪問(wèn)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(lái)保障建行湖南省分行網(wǎng)上銀行業(yè)務(wù)的安全運(yùn)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(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F832.2

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 楊濤;;商業(yè)銀行信息科技風(fēng)險(xiǎn)量化與管理研究[J];信息安全與技術(shù);2010年06期

2 馬香媛,黃鶴;淺析網(wǎng)絡(luò)銀行的風(fēng)險(xiǎn)及防范[J];商業(yè)研究;2003年24期

3 李劍銘;淺析我國(guó)網(wǎng)上銀行的操作風(fēng)險(xiǎn)管理[J];商業(yè)研究;2005年12期

4 楊學(xué)義;周艷春;;信息技術(shù)驅(qū)動(dòng)企業(yè)組織創(chuàng)新的機(jī)理[J];商業(yè)研究;2007年09期

5 施慧洪;;電子銀行的安全與風(fēng)險(xiǎn)防范[J];銀行家;2008年04期

6 何茂春;;商業(yè)銀行信息科技風(fēng)險(xiǎn)的量化計(jì)量研究[J];金融論壇;2009年02期

7 葉貴添;;商業(yè)銀行信息科技風(fēng)險(xiǎn)分析及管理策略[J];硅谷;2010年08期

8 李仁真 ,余素梅;巴塞爾委員會(huì)電子銀行業(yè)務(wù)風(fēng)險(xiǎn)管理原則[J];國(guó)際金融研究;2002年03期

9 欒淑彥;;淺析我國(guó)發(fā)展網(wǎng)上銀行的風(fēng)險(xiǎn)與對(duì)策[J];華北金融;2008年07期

10 邊中煒;網(wǎng)上虛擬銀行對(duì)當(dāng)前銀行制度的挑戰(zhàn)[J];技術(shù)經(jīng)濟(jì)與管理研究;2001年05期

本文編號(hào)：1887794