中国建设银行网上银行风险管理研究.doc

辽宁省高等教育自学考试公司管理专业(本科段) 毕 业 设 计 (论 文) 设计题目： 2016年9月 摘 要 随着全球信息化的蓬勃发展，纸质货币将逐步被电子货币所替代，传统柜面交易将逐步被网上银行交易所替代。网上银行作为金融业一种全新的服务渠道和经营方式，带给了传统银行业前所未有的发展机遇。 网上银行在显著地提高银行业的服务水准和服务效率的同时，也使得银行业在经营时面临着新的风险和前所未有的挑战。在发展网上银行的同时，防范和控制网上银行的风险，保证网上银行安全运营成为一项急需解决的重要的课题。与发达国家相比，我国落后的网上银行风险管理机制与程序已经成为制约网上银行继续发展的一个瓶颈。金融业对网上银行认识还不够深刻，对网上银行存在的风险问题缺少系统性研究。因此，仍需加强对网上银行的风险问题研究。 本文是对我国建设银行网上银行风险管理作为研究的背景，由六大部分组成，论文的第一部分，概述了网上银行风险管理的基础理论。第二部分，概述了建设银行网上银行风险管理的现状。第三部分是对建设银行网上银行风险管理存在的问题，让读者对建设银行存在的问题有一个更好的了解。第四部分介绍建设银行网上银行风险管理防范对策，使建设银行能够更好的发展。第五部分针对论文做了系统的总结，并真切的表达了对指导教师的感谢之情，并列出了参考文献供读者参考。 关键字：网上银行；风险管理；对策；问题 Abstract With the rapid development of global informationization, the paper currency will gradually be replaced by the electronic money, the traditional counter transactions will gradually be replaced online banking exchange. Internet banking as a new service channel and the financial industry, has brought unprecedented opportunities for the development of traditional banking. Internet banking in the banking sector significantly improve the level of service and service efficiency, but also makes the banking business in the face of new risks and unprecedented challenges. In the development of online banking at the same time, prevent and control the risk of online banking, online banking security to ensure the operation of an urgent need to resolve an important issue. Compared with the developed countries, the risk management mechanism and procedure of Chinas backward online banking has become a bottleneck restricting the development of online banking. Financial industry on the Internet is not deep enough, the lack of systematic research on the risk of online banking. Therefore, it is necessary to strengthen the research on the risk of online banking. This paper is the background of the research on the risk management of China Construction Bank, which is composed of six parts. The first part of this paper summarizes the basic theory of risk management of Inter