留学生作业代写：Electronic Banking

下面为大家整理一篇优秀的paper代写范文- Electronic Banking，供大家参考学习，这篇论文讨论了电子银行。互联网的出现给银行提供了前所未有的机遇，因此国际银行业发生了翻天覆地的变化。越来越多的国际银行开始关注电子银行，尝试进入并占领电子商务这个新的领域。随着网络技术的变革，各种综合因素的影响和不确定性放宽的金融监管法律、监管环境形成了电子银行对银行风险控制的挑战。

Abstract:

The emergence of the Internet to the bank to provide an unprecedented opportunity to go beyond existing boundaries, thus the face of international banking has revolutionized the earth-shaking changes. A growing number of international banks started to pay attention and targeting electronic banking and tried scraped into and occupation of new areas of e-commerce. By the network of technological change, the combined effects of various factors and uncertainties liberalization of financial regulation laws, regulatory environment, electronic banking to bank risk control challenges.

Foreword

Authoritative international organizations to develop electronic banking rules of the game? Basel Committee on Banking Supervision Electronic Banking Group (EBG) in October 2000 issued a "electronic banking risk management issues faced by banking regulators," the white paper. This paper attempts to take this as a reference, discuss, analyze the risks of electronic banking and control issues, with a view of the development of China's electronic banking Bank of inspiration. EBG basic risks of electronic banking division into two categories: one is the new risks associated with the development of e-banking, the other is the traditional banking risks inherent in electronic banking.

Strategic and operational risks

Strategic and operational risk is the wrong business decisions, improper implementation of decisions or changes in the industry do nothing, realistic and long-term effects of the formation of the bank's earnings or capital. Strategic risk is one of the most significant risks facing the bank's conduct electronic banking. More widespread and broad strategic risks on the property. Bank board of directors and executive management have taken the strategic decision will have an impact on other risk categories. If the planning and execution of the Bank's strategy appeared to be invalid or improper, rapid technological change, nature will expose the huge risk of a competitive banking industry and the strategies. Similarly, if you take an overly cautious management technology will also enable the bank to track strategy in a rapidly consolidating saturated market or markets without the slightest foothold.

Operational Risk

Operational risk is a system of technical risk. As electronic bank's high dependence on technology, so that operational risks becoming one of the most significant risks. Operational risk is derived from the following six aspects: First, the technical framework of rationality. If multiple electronic banking system can not be properly integrated business system, then the bank will handle the transaction due to an error occurred while exposing significant operational risk issues. Second, the system security. Open electronic delivery channels so that banks exposed to new security risks, the formation of a new security risks. Third, data integrity. Data integrity is an important part of system security. If the bank does not establish an effective control program, data transmission and receiving process may occur lost or converted deformation, resulting in incomplete data. Fourth, the effectiveness of the system. If the bank does not provide an effective operational continuity and emergency planning, system overload and loss may affect the operation of the bank is accurate, reliable, and consistently provide appropriate ancillary products and services, causing potentially significant reputational risk. Fifth, internal control and internal audit. If the bank does not have adequate internal controls in place, and these control measures can not be independently audited, then the bank can not effectively prevent fraud from both internal and external. Six is outsourcing. Many banking institutions are too dependent on a small number of contract manufacturers, which focused on a small number of contract manufacturers may produce systemic effects dependency. Secondly, many outsourcing providers lack knowledge of bank control environment requires. Again, outsourcing can also be caused by exposure associated with additional privacy protection.

Reputational risk

Reputation risk is the reality of negative public opinion on bank earnings and capital arising from long-term impact. Hinder the effectiveness of e-banking delivery channel any negative developments are likely to affect the reputation of the bank. Network capabilities to support a dependable electronic banking is essential. If Internet banking operations mismanagement; If the bank does not provide a consistent basis in reliable, accurate and timely electronic banking services; If banks can not respond promptly to customer inquiries via E AIL release, do not provide adequate information disclosure or violations the customer's privacy, reputation of the bank are likely to lead to negative effects. Major security flaw on the Web would weaken the bank customer or market confidence in the banks to provide appropriate management of Internet transaction capabilities.

Legal Risk

Legal risks arising from electronic banking is another concern risks. Currently, governments, laws and regulations for electronic banking transactions online multi not clear, there are many ambiguities and lack of specialized electronic banking norms of relevant laws and regulations, existing national laws and regulatory framework and there are many conflicts. Develop relationships with customers via the Internet in a country banks may not be familiar with some country-specific banking law and consumer protection law, thereby increasing the legal risks.

Unauthorized use or misuse of the data collected on the Internet is another source of potential legal risks. Unauthorized individuals can have on banks and outsourcer customers 'data warehouse' attack or infiltration. For example, hackers or others may penetrate into the bank or go outsourcers database, or create their own database, use customer information for fraudulent and criminal activities. Authorized personnel may also deliberate misuse of data, which will bring legal risk to the bank.

Credit Risk

Credit risk refers to the bank because the debtor fails to follow the terms of the contract or agreement to act, and the risk to earnings or capital arising from a bank. Credit risk can be subject to many banking institutions impact of electronic banking. Use Internet delivery channels enable the rapid expansion of banks, especially smaller banks, which will lead to improved asset quality, increasing the risk of internal control. Internet use has expanded the geographic scope of the bank, beyond the traditional business areas, which also increases the risk of the local market dynamics and understand the difficulty, we must verify the borrower's secured outside the region and improve security lien. In addition, the Internet also makes it difficult identification of a potential bank customer's identity and credibility. The customer's identity and credibility are essential components of reasonable credit decisions.

Liquidity risk

Liquidity risk refers to the bank at the time of its commitments expire, do not assume it difficult to accept the loss can not fulfill these commitments, thus the risks caused by banks or capital gains. On the Internet, the speed of the fast flow of information and lies can have an impact on the liquidity risk of banks. Market risk is the risk arising from changes in demand brought about by the financial markets. Impact of the recent development of online trading of securities issued by banks and market risks arising from the complex. From a market point of view, on the one hand to increase the amount of online securities trading will lead to increased volatility, it also led to increased mobility. From the perspective of individual banks to see if the bank carried out or extended by the online bank deposit brokers brought, loan sales or securitization business, they might increase market risk.

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