建设银行网上银行风险管理研究
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摘要
网上银行作为金融业一种全新的服务渠道和经营方式,它的出现给传统银行业带来了前所未有的发展机遇,显著地提高了银行业的服务水准和服务效率,与此同时,也使得银行业在经营时面临着新的风险和前所未有的挑战。在发展网上银行的同时,防范和控制网上银行的风险,保证金融业的安全运行成为一项急需解决的重要的课题。与欧美发达国家相比,我国的网上银行发展还很不成熟。金融业对网上银行认识还不够深刻,对网上银行存在的风险问题缺少系统性研究,因此,要加强对网上银行的风险问题研究,按照风险管理的思路,深入探索解决网上银行的风险问题的方法与途径,探索有效的网上银行风险管理模式,提高网上银行的风险管理水平。
本文根据网上银行风险的特点,运用风险管理理论,对建设银行网上银行技术层面和业务层面的风险进行研究。主要运用定性与定量分析相结合方法对网上银行风险进行辨识,建立了建设银行网上银行风险评价指标体系并对其风险进行了评价,根据评价结果,提出了对建设银行网上银行风险具有建设性的风险防范对策,即在技术层面上制定了业务持续性应急计划,编写了大规模计算机病毒爆发应急预案,建立完善的内部程序和技术防范措施,定期对科技信息进行评估；在业务层面上,综合运用PDCA风险控制理论,不断循环梳理业务活动的风险点,建立网上银行风险内部控制体系,制定客户操作风险防范措施,明确责任规避法律风险,制定危机管理对策降低声誉风险。
本文对建设银行网上银行风险进行了全面的分析评价,提出具有建设性意义的风险防范对策,以期增强建设银行网上银行风险管理能力,使其风险管理水平提升到一个新的高度。
Internet banking as a financial services industry, a new channel and mode of operation, it appears to the traditional banking industry has brought unprecedented opportunities for development, significantly raise the standard of service the banking industry and service efficiency, while also making banks operate on the risks facing new and unprecedented challenges. In the development of Internet banking at the same time, prevent and control the risks of online banking to ensure the safe operation of the financial sector to become an important issue requiring urgent solutions. Compared with developed countries in Europe and the United States, China's development of Internet banking is still immature. Financial services industry still lack a deep understanding of Internet banking, online banking presence on the risks a lack of systematic study. Therefore, we should strengthen the study of e-banking risk issues, in accordance with the idea of risk management, in-depth explore solutions to the risks of Internet banking ways and means to explore an effective e-banking risk management models to improve the level of e-banking risk management.
Based on the risk of online banking features application of risk management theory, China Construction Bank Internet banking technology and operational aspects of risk research. Qualitative analysis of the main methods used online banking risk identification, establishment of China Construction Bank online banking risk evaluation index system, using a combination of qualitative and quantitative methods to evaluate the risks of Internet banking, according to evaluation results, presented to the China Construction Bank online banking risk constructive risk prevention measures, that is, developed at the technical level of business continuity contingency plans, prepared contingency plans for large-scale computer virus outbreaks, establish a sound internal procedures and technical preventive measures, on a regular basis to assess scientific and technical information; in the business level, the integrated use of PDCA risk control theory, the cycle of combing operations to the risk points, to establish the risk of internal controls of Internet banking system, and develop customer operational risk prevention measures, a clear responsibility to avoid legal risks, to develop crisis management measures to reduce reputational risk.
In this paper, the risk of online banking CCB conducted a comprehensive analysis and evaluation, put forward a constructive risk prevention measures with a view to enhance the China Construction Bank online banking risk management capabilities to the level of risk management to a new level.
本文根据网上银行风险的特点,运用风险管理理论,对建设银行网上银行技术层面和业务层面的风险进行研究。主要运用定性与定量分析相结合方法对网上银行风险进行辨识,建立了建设银行网上银行风险评价指标体系并对其风险进行了评价,根据评价结果,提出了对建设银行网上银行风险具有建设性的风险防范对策,即在技术层面上制定了业务持续性应急计划,编写了大规模计算机病毒爆发应急预案,建立完善的内部程序和技术防范措施,定期对科技信息进行评估；在业务层面上,综合运用PDCA风险控制理论,不断循环梳理业务活动的风险点,建立网上银行风险内部控制体系,制定客户操作风险防范措施,明确责任规避法律风险,制定危机管理对策降低声誉风险。
本文对建设银行网上银行风险进行了全面的分析评价,提出具有建设性意义的风险防范对策,以期增强建设银行网上银行风险管理能力,使其风险管理水平提升到一个新的高度。
Internet banking as a financial services industry, a new channel and mode of operation, it appears to the traditional banking industry has brought unprecedented opportunities for development, significantly raise the standard of service the banking industry and service efficiency, while also making banks operate on the risks facing new and unprecedented challenges. In the development of Internet banking at the same time, prevent and control the risks of online banking to ensure the safe operation of the financial sector to become an important issue requiring urgent solutions. Compared with developed countries in Europe and the United States, China's development of Internet banking is still immature. Financial services industry still lack a deep understanding of Internet banking, online banking presence on the risks a lack of systematic study. Therefore, we should strengthen the study of e-banking risk issues, in accordance with the idea of risk management, in-depth explore solutions to the risks of Internet banking ways and means to explore an effective e-banking risk management models to improve the level of e-banking risk management.
Based on the risk of online banking features application of risk management theory, China Construction Bank Internet banking technology and operational aspects of risk research. Qualitative analysis of the main methods used online banking risk identification, establishment of China Construction Bank online banking risk evaluation index system, using a combination of qualitative and quantitative methods to evaluate the risks of Internet banking, according to evaluation results, presented to the China Construction Bank online banking risk constructive risk prevention measures, that is, developed at the technical level of business continuity contingency plans, prepared contingency plans for large-scale computer virus outbreaks, establish a sound internal procedures and technical preventive measures, on a regular basis to assess scientific and technical information; in the business level, the integrated use of PDCA risk control theory, the cycle of combing operations to the risk points, to establish the risk of internal controls of Internet banking system, and develop customer operational risk prevention measures, a clear responsibility to avoid legal risks, to develop crisis management measures to reduce reputational risk.
In this paper, the risk of online banking CCB conducted a comprehensive analysis and evaluation, put forward a constructive risk prevention measures with a view to enhance the China Construction Bank online banking risk management capabilities to the level of risk management to a new level.
引文
[1]CFCA.2008网上银行调查报告节选[J].互联网周刊,2009(3)：5-6
[2]王华庆.网上银行风险监管原理与实务[M].北京：中国金融出版社,2004：5-6
[3]BCBS. Risk Management Principles for Electronic Banking [M], New York:Financial Publishing House,2001:27-29
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[5]张卓其.电子金融[M].北京：高等教育出版社,2005：5-9
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[7]钟捷.对发展网上银行的一些思考[J].中国金融电脑,2005(2)：21-22
[8]张瑞.电子银行发展之路[J].银行家,2006(6)：24-25
[9]Brian Welch. Electronic Banking and Treasury Security[M],New York:Woodhead Publishing, 1999:33-35
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[13]方德英.IT项目风险管理理论体系构建[J].合肥工业大学校刊,2003(4)：25-28
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[15]Iain. Functionality and usability in design for e-Banking Services[J].Interacting with Computer, 2007(7):12-13
[16]Kersnar. Online Banking Ranks High in customer Satisfaction [J]. National Mortgage News, 2005(21):20-23
[17]李德.国际网上银行的发展与监管[J].金融参考,2001(6)：4-7
[18]张丽.我国个人电子银行业务法律风险防范[J].合作经济与科技,2006(8)：8-10
[19]李虹.我国网上银行业务发展及网上银行犯罪风险防范对策[J].重庆工商大学校刊,2007(3)：64-66
[20]张炜.银监会新颁布的电子银行业务管理办法评介[J].中国城市金融,2006(4)：37-39
[21]吴庆田.美国网上银行的风险控制分析与借鉴[J].湖南商学院校刊,2005(2)：68-70
[22]相钟雷.香港银行网上银行管理分析[J].西部经济管理期刊,2004(3)：5-6
[23]怀谷.香港网上银行的借鉴及启示[J].华南金融电脑,2004(4)：2-5
[24]梁瑶兰.招商银行网上银行的成功案例与经验[J].中国信用卡,2006(2)：11-14
[25]刘志刚.我国银行的信息系统风险研究[M].沈阳：东北师范大学出版社,2007：24-28
[26]杨洁.突破网银发展的瓶颈[J].中国金融电脑,2008(5)：23-25
[27]李浩.中国网络银行发展的现状困境与出路[J].中国金融电脑,2006(8)：28-35
[28]徐捷,史润生.建设银行网上银行安全体系建设[J].中国金融电脑,2001(5)：8-9
[29]周勇.建设银行网上银行的安全策略研究[J].企业技术开发,2006(7)：11-12
[30]常巍.国有商业银行风险研究[M].北京：中国财经出版社,2007：31-32
[31]刘廷焕,王华庆等.金融干部网上银行知识读本[M].北京：中国金融出版社,2003：31-32
[32]陈静,刘永春.网上银行技术风险及其管理[M].北京：人民出版社,2001：55-68
[33]步山岳,张有东.计算机信息安全技术[M].北京：高等教育出版社,2005：25-28
[34]杨力.网络银行风险管理[M].上海：上海外语教育出版社,2006：32-36
[35]郭仲伟,风险分析与决策[M].北京：机械工业出版社,2005：45-47
[36]李志辉.现代信用风险管理量化度量和管理研究[M].北京：中国金融出版社,2001：92-98
[37]付正辉.商业银行资本管理与风险控制[M].北京：中国金融出版社,2004：271-279
[38]尚朝军.网上银行竞争战略理论研究[J].中国金融电脑,2007(4)：15-17
[39]范红,冯登国,吴亚非.信息安全风险评估方法与应用[M].北京：清华大学出版社,2006：46-48
[40]欧阳勇.网络金融理论分析与实践探索[M].成都：西南财经出版社,2006：97-98
[41]胡勇,方勇,蔡恒.信息系统风险分析的工程方法研究[J].计算机二[程,2006(7)：29-31
[42]BCBS. Risk Management Principles for Electronic Banking [J]. Research Police,2000(5):27-35
[43]蒋吉才.网络银行的风险及其控制[J].商业研究,2004(9)：9-11
[44]石磊.金融业信息风险评估中的问题及其对策[J].中国金融电脑,2008(2)：60-62
[45]帅青红.金融电子化概论[M].成都：西南财经大学出版社,2005：10-11
[2]王华庆.网上银行风险监管原理与实务[M].北京：中国金融出版社,2004：5-6
[3]BCBS. Risk Management Principles for Electronic Banking [M], New York:Financial Publishing House,2001:27-29
[4]孙森.网络银行原理[M].北京：中国金融出版社,2004：3-9
[5]张卓其.电子金融[M].北京：高等教育出版社,2005：5-9
[6]王冬.网上银行发展现状及趋势分析[J].中国金融电脑,2007(1)：11-12
[7]钟捷.对发展网上银行的一些思考[J].中国金融电脑,2005(2)：21-22
[8]张瑞.电子银行发展之路[J].银行家,2006(6)：24-25
[9]Brian Welch. Electronic Banking and Treasury Security[M],New York:Woodhead Publishing, 1999:33-35
[10]S.C.Ward. Assessing and managing important risks[J].International Journal of Project Management, 1999(5):31-36
[11]许谨良.风险管理[M].北京：中国金融出版社,2005：16-19
[12]张成虎,孙景.银行技术风险监管[M].北京：经济管理出版社,2005(11)：89
[13]方德英.IT项目风险管理理论体系构建[J].合肥工业大学校刊,2003(4)：25-28
[14]李兴智.丁凌波,网上银行理论与实务[M].北京：清华大学出版社,2003：5-8
[15]Iain. Functionality and usability in design for e-Banking Services[J].Interacting with Computer, 2007(7):12-13
[16]Kersnar. Online Banking Ranks High in customer Satisfaction [J]. National Mortgage News, 2005(21):20-23
[17]李德.国际网上银行的发展与监管[J].金融参考,2001(6)：4-7
[18]张丽.我国个人电子银行业务法律风险防范[J].合作经济与科技,2006(8)：8-10
[19]李虹.我国网上银行业务发展及网上银行犯罪风险防范对策[J].重庆工商大学校刊,2007(3)：64-66
[20]张炜.银监会新颁布的电子银行业务管理办法评介[J].中国城市金融,2006(4)：37-39
[21]吴庆田.美国网上银行的风险控制分析与借鉴[J].湖南商学院校刊,2005(2)：68-70
[22]相钟雷.香港银行网上银行管理分析[J].西部经济管理期刊,2004(3)：5-6
[23]怀谷.香港网上银行的借鉴及启示[J].华南金融电脑,2004(4)：2-5
[24]梁瑶兰.招商银行网上银行的成功案例与经验[J].中国信用卡,2006(2)：11-14
[25]刘志刚.我国银行的信息系统风险研究[M].沈阳：东北师范大学出版社,2007：24-28
[26]杨洁.突破网银发展的瓶颈[J].中国金融电脑,2008(5)：23-25
[27]李浩.中国网络银行发展的现状困境与出路[J].中国金融电脑,2006(8)：28-35
[28]徐捷,史润生.建设银行网上银行安全体系建设[J].中国金融电脑,2001(5)：8-9
[29]周勇.建设银行网上银行的安全策略研究[J].企业技术开发,2006(7)：11-12
[30]常巍.国有商业银行风险研究[M].北京：中国财经出版社,2007：31-32
[31]刘廷焕,王华庆等.金融干部网上银行知识读本[M].北京：中国金融出版社,2003：31-32
[32]陈静,刘永春.网上银行技术风险及其管理[M].北京：人民出版社,2001：55-68
[33]步山岳,张有东.计算机信息安全技术[M].北京：高等教育出版社,2005：25-28
[34]杨力.网络银行风险管理[M].上海：上海外语教育出版社,2006：32-36
[35]郭仲伟,风险分析与决策[M].北京：机械工业出版社,2005：45-47
[36]李志辉.现代信用风险管理量化度量和管理研究[M].北京：中国金融出版社,2001：92-98
[37]付正辉.商业银行资本管理与风险控制[M].北京：中国金融出版社,2004：271-279
[38]尚朝军.网上银行竞争战略理论研究[J].中国金融电脑,2007(4)：15-17
[39]范红,冯登国,吴亚非.信息安全风险评估方法与应用[M].北京：清华大学出版社,2006：46-48
[40]欧阳勇.网络金融理论分析与实践探索[M].成都：西南财经出版社,2006：97-98
[41]胡勇,方勇,蔡恒.信息系统风险分析的工程方法研究[J].计算机二[程,2006(7)：29-31
[42]BCBS. Risk Management Principles for Electronic Banking [J]. Research Police,2000(5):27-35
[43]蒋吉才.网络银行的风险及其控制[J].商业研究,2004(9)：9-11
[44]石磊.金融业信息风险评估中的问题及其对策[J].中国金融电脑,2008(2)：60-62
[45]帅青红.金融电子化概论[M].成都：西南财经大学出版社,2005：10-11