网上银行业务风险防范的对策研究  

Research on the Countermeasures of Risk Prevention of Online Banking Business

作　　者：张俊廷 ZHANG Junting(Weihai Blue Sea Bank Co.,Ltd.,Weihai 264200,China)

机构地区：[1]威海蓝海银行股份有限公司,山东威海264200

出　　处：《商业观察》2023年第24期65-68,共4页BUSINESS OBSERVATION

摘　　要：文章针对网上银行业务面临的问题,如交易、监管、税收问题和个人资料保护问题,提出了应对策略。通过分析,提出建立全面的网络安全防护体系、创新金融科技以提升服务质量与安全性,深化与互联网企业合作以拓展服务渠道和业务范围,提高金融普惠性以服务实体经济等方面的措施。通过升级网络设备、与电商平台等互联网企业合作、关注农村地区的金融需求等手段助力了实体经济的发展。结果表明,金融科技创新和深化与互联网企业合作对银行业发展具有重要意义,为促进金融行业的健康、可持续发展提供了有益的参考。The article proposes strategies to address the issues faced by online banking business,such as trade,regulation,tax issues,and personal data protection.Through analysis,measures are proposed to establish a comprehensive network security protection system,innovate financial technology to improve service quality and security,deepen cooperation with internet enterprises to expand service channels and business scope,and improve financial inclusion to serve the real economy.By upgrading network equipments,cooperating with internet companies such as e-commerce platforms,and paying attention to the financial needs of rural areas,these measures have assisted in the development of the real economy.The results indicate that financial technology innovation and deepening cooperation with internet enterprises are of great significance for the development of the banking industry.They provide useful references for promoting the healthy and sustainable development of the financial industry.

关 键 词：网上银行 业务风险 对策 

分 类 号：F832.2[经济管理—金融学] D922.28[政治法律—经济法学]