我国商业银行网上银行操作风险管理研究  

作　　者：吴建[1] 

机构地区：[1]中国银行业监督管理委员会浙江监管局,浙江杭州310001

出　　处：《浙江金融》2011年第10期45-49,共5页Zhejiang Finance

摘　　要：网上银行与传统银行服务相比,具有许多不可替代的优势,"十一五"期间我国网上银行发展极为迅速。然而在网上银行发挥着越来越重要作用的同时,其产生的操作风险也愈为突出。本文从网上银行操作风险来源的角度,给出了网上银行操作风险的定义。对网上行银行操作风险与传统银行操作风险进行了比较、分析了网上银行操作风险现状、成因,进而提出"十二五"期间如何有效控制我国网上银行操作风险的对策。Compared with traditional banking services, Internet banking is possessed of many irreplaceable advantages. ＂Eleventh Five- Year＂ period of China is the extremely rapid development of Internet banking. However, in online banking is playing an increasingly important role, the resulting operational risk becomes more prominent. This thesis is to conclude from the point of view of the source of operational risk, given the definition of operational risk Internet banking.In the thesis, operational risk on the Internet and traditional line of banking operational risk were compared, analyzed the status of online banking operational risk, causes, and to make ＂second five＂ how to effectively control the risks of Internet banking operations strategies.

关 键 词：网上银行 操作风险 管理对策 

分 类 号：F832.33[经济管理—金融学]