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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.

Keywords: electronic banking; risk control; international banks; Internet

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.[1]

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

Reputational risk

Legal Risk

Credit Risk

Liquidity risk

Risk Control

Establishment of good corporate governance structure

Design and implementation of electronic banking risk internal control system to adapt

Safeguards the security of electronic banking system

Focus on the effectiveness and continued availability of electronic banking system

Maintain the ability of the technology to assess and monitor the outsourcing

Reputation and legal risk control

Other traditional banking risk management

Conclusion

Reference

1. Albuquerque, Martim (1855). Notes本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。