摘要网上银行是银行通过使用网络使客户可以在家就能便捷安全地办理对账、查询、信用卡、支票、投资理财及信用卡等的一种网上的虚拟银行柜台。

在我国，网上银行由中国银行在1996 年率先启动。网上银行经过十多年发展已经逐渐走向成熟化。国有银行、股份制商业银行、许多城市商业银行如盛京银行都在网上发行保险、理财、基金等金融产品并逐渐走向成熟。其风险控制机制还不完善，虽然采取了安全产品的推广、身份识别制度；实行职责分离，加强业务培训，加强业务检查、加强内部交流机制、提高客户的自我防护能力等措施，但还存在着内控机制不完善，各方利益主体配合不协调的问题。64844

本文通过构建各主体间关于网上银行风险控制的博弈模型来在安全性与各主体利益的权衡上继续寻求最佳契合点，了解其优化的侧重点，发现政府部门的监督成本越小，政府失责造成的社会成本和声誉损失越大，网上银行核心企业重视安全问题的可能性越大。当网上银行服务价格提升，网上银行方面收入增多，进而可以对风险控制的投入也增多；银行客户方面因价格的提高，使用网银服务减少，所以需要外界的因素调整此时的平衡。

毕业论文关键词  网上银行  风险控制  博弈  影响因素

毕业论文 外 文 摘 要

Title Online banking risk control mechanism and     its influencing factors in China                                                   

Abstract

Online banking,bank use of network technology to provide customers with account queries,reconciliation and other traditional services,so that customers will be able to stay at home to manage current and deposit accounts,checks,credit cards and personal investment safely and easily.It is a virtual bank counter online.

In China,the Bank of China is the first to start online banking in 1996.After ten years of development,the domestic online banking has matured,including China Merchants Bank as the representative of all the 12 joint-stock commercial banks,Industrial and Commercial Bank as the representative of all five state-owned commercial,postal savings banks and city commercial banks has a mature online banking and related financial products.Its risk control mechanism is not perfect,taken such as authentication control and payment of the amount of control,promoting all kinds of security products actively,Strict control of part of the identity of the customer registration program,preventing others from fraudulent use of the identity of customers registered;implementation of separation of duties,strengthen business training,strengthen inspection,strengthen internal communication mechanisms,improving customer and other measures of self-defense capability,but there is still a problem of internal control mechanisms are inadequate,the interests of all parties subject with the lack of co-ordination.

By building the game model among the main online banking risk control

on the security and the interests of the main trade-off continue to seek the best meeting point for optimized focus,It founds that the smaller the cost of supervision of government departments,the government lost the greater the responsibility for the social costs and loss of reputation,the greater the likelihood of online banking core enterprises to pay attention to security issues.When the price of financial services increases,from online banking perspective,will increase revenue and thus can increase the risk aversion of technical inputs;bank customers will be to reduce the use of online banking services because of the rise in the price,then you need to adjust the balance by external factors.