What are the security risks and precautionary measures when using online banking?

The technical security risks faced by online banking mainly include: First, the security authentication risk of online banking client. Once the user's computer is infected with viruses, Trojans or hackers, if there is no security authentication, all the operations done by the online banking user will be sent to the backend of the server that controls the user's computer, which seriously affects the banking and password security of the online banking client.

The Interim Measures for the Administration of Internet Banking Business should be fully utilized and implemented, and the Contract Law, the Accounting Law, the Negotiable Instruments Law, the Payment and Settlement Measures and other laws should be fully utilized to formulate relevant agreements on Internet banking, formulate relevant business processes and business handling regulations, and make full use of the currently implemented administrative regulations on network security, such as the Regulations on the Security Protection of Computer Information Systems and the Interim Provisions on the Administration of International Networking of Computer Information Networks. Make full use of the authority of China Financial Certification Center in certification technology and the reasonableness of third-party certification. Online banking should pay attention to the custody of transaction data and prepare evidence for possible disputes or litigation processes.

Do not use online banking in public places such as libraries and Internet cafes, and install the latest patches for operating systems and browsers in a timely manner. <>

Set passwords for your computer, update anti-virus software and firewalls in a timely manner to ensure that your computer is safe and reliable. <>

Develop good operating habits, choose to "exit" the online banking system after the operation, and then close the browser. <>

The password is set scientifically, and the security products such as U shield, K treasure, and E order should be kept by others. <>

Risk identification is to identify the risk factors that may bring unexpected losses or additional gains to the commercial bank in the complex macro and micro risk environment and internal operating environment around the commercial bank. Risk analysis and evaluation is to predict the probability of the occurrence of risk factors, the size of the loss or gain that may be caused to the bank, and then determine the degree of risk of the bank. Risk control is an economic activity carried out by adopting certain methods and means to reduce risk losses and increase risk returns before or when risks have occurred.

Risk decision-making is a decision-making process in which bank operators choose risk-taking according to their risk appetite under the premise of comprehensively considering risk and profitability. Risk management is an indispensable part of the asset and liability management of modern commercial banks.

On the one hand, banks should do a good job in publicity and marketing to the public to improve the visibility of their brands; On the other hand, it is necessary to do a good job of cooperating with other well-known businesses**, so that they can remind customers to give priority to linking to their own platform and using the transaction payment tools provided by the Bank when making purchases. If there are not enough electronic or other well-known links to online banking, in this era of consumer finance prominence, there will be customer churn, which will eventually affect the bank's economic returns.

The security problems of online banking are mainly based on the technical risks caused by the infrastructure environment of online banking.

From the perspective of information security, there are three main categories: technical risks caused by the infrastructure environment of online banking, mainly including: security authentication risk of online banking client.

Network transmission risks, system vulnerability risks, data security risks, system emergency risks, internal control risks, outsourcing management risks, etc. Business security risks based on the characteristics of online banking and financial services;

Clause.

First, institutionally. This is fundamental, and it is necessary to plug the loopholes.

Clause. Second, in terms of technology and process, this is a guarantee.

Clause. Third, in terms of education, this is the most crucial, because no matter how good the system and technology are, people use it.

Strengthening the identification, evaluation and early warning of commercial bank risks is an effective means to prevent bank risks. That is, to achieve four aspects: risk identification, internal risk analysis and evaluation, risk control and risk decision-making.

1. Check**.

To activate online banking, you usually need to sign an agreement with your bank in advance. When logging in to online banking, you should pay attention to check whether the logged ** is consistent with the statutory ** in the agreement, and beware of some criminals maliciously imitating the bank** and defrauding the account information.

2. Properly select and keep passwords.

The password should avoid being related to personal information, and do not use such as ID number, date of birth, ** number, etc. as the password. It is recommended to use a mixture of letters and numbers to increase the difficulty of password cracking. The password should be kept in a safe place and avoid writing the password on paper.

Try to avoid using the same password in different systems, otherwise the consequences of losing the password will be unimaginable.

3. Keep a good record of transactions.

Records should be made of the transfer and payment services handled by the online bank, the "historical transaction details" should be checked regularly, the online banking business statement should be printed regularly, and if abnormal transactions or accounting errors are found, contact the bank immediately to avoid losses.

4. Manage digital certificates.

Internet banking users should avoid using Internet banking on public computers to prevent confidential information such as digital certificates from falling into the hands of others, thereby breaching the online identification system and stealing online accounts.

5. Be vigilant against abnormal dynamics.

Taking BOC Internet Banking as an example, there will be no prompt of "system maintenance" when the system is running stably. In case of a major event, the system must suspend the service, and BOC will announce the customer in advance. If the customer accidentally enters the bank card number and password on the unfamiliar "BOC**", and encounters a prompt such as "system maintenance", he should immediately call the customer service of BOC**95566 for confirmation.

In case of theft, you should immediately change the relevant transaction password or report the loss of the bank card.

6. Install anti-virus software.

Install a firewall program on your computer to prevent hackers from stealing your account information. It is advisable to install antivirus software and upgrade frequently.

7. Plug software loopholes.

Internet banking is also known as online banking, ** bank or electronic banking, it is a virtual counter set up by banks in the Internet, banks use network technology to provide customers with account opening, account cancellation, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online **, investment and wealth management and other traditional services through the Internet, so that customers can safely and conveniently manage current and fixed deposits, checks, credit cards and personal investments without leaving home.

First, the risk points of the bank's job responsibilities: due to the untimely guidance of customers, improper handling of service disputes or other work negligence, resulting in chaos in the environment and order of the branches, which affects the regular progress of business and customer satisfaction.

2. Self-prevention and control measures: 1. When it is found that a customer is impatient, or even loud and noisy, the lobby manager should come forward to inquire as soon as possible, appease the customer's emotions, and solve the customer's problem within the scope of responsibility; 2. For Li Lu's individual customers who are too emotional, they should be quickly led to the reception room or other secluded places, and patiently listen to and solve the customer's problems; 3. Always pay attention to the changes in the mood and behavior of customers waiting in the hall, maintain business order and customer queuing order, and assist the person in charge of the outlet to solve the pressure on the counter in a timely manner according to the business situation; 4. When accepting customer complaints, the lobby manager should alleviate customer dissatisfaction and explain the work according to the steps of asking questions, listening, and proposing handling methods. Report to the person in charge of the outlet in a timely manner for problems that cannot be solved within the scope of authority, and feedback the handling opinions to customers in a timely manner.

Third, clean government. Prevention and control measures: The lobby manager of the bank is different from the position in other banks, and its main role is to establish and maintain customer relationships

"Integrity" mainly refers to the fact that the staff do not abuse their power for personal gain when performing their functions, and act fairly and honestly. Therefore, the prevention and control of integrity mainly achieves: 1. Do not use power for personal gain, such as guiding customers to other banks, companies and other departments to handle business involving private interests without job convenience; 2. Be fair and honest, such as not covering up other employees' behavior of using power for personal gain.

Improve one's correct ideological consciousness and value orientation.

It is the most favorable means and measures for prevention and control, stopping at the source and eliminating it ideologically.

Summary. Hello, I am happy to answer your <>, and the measures are as follows: 1. Strengthen staff training.

Carry out regular operational knowledge training to improve the risk control ability of new employees on business skills and internal control system. 2. Strengthen warning education. Carry out warning education through regular meetings and other forms, so as to improve the ideological understanding of employees and plug risk loopholes.

3. Strengthen assessment and incentives. Penalties will be increased for employees who frequently violate the rules, and rewards will be given to employees and outlets with higher operational quality, so as to form a good assessment and incentive method and promote the improvement of the operation quality of the whole bank.

What are the main risks of banks and how to take effective prevention and control measures?

Hello, I am happy to answer your <>, and the measures are as follows: 1. Strengthen staff training. Carry out regular operational knowledge training to improve the risk control ability of new employees on business skills and internal control system.

2. Strengthen warning education. Carry out warning education through regular meetings and other forms, so as to improve the ideological understanding of employees and plug risk loopholes. 3. Strengthen assessment and incentives.

Penalties will be increased for employees who frequently violate the rules, and rewards will be given to employees and outlets with higher operational quality, so as to form a good assessment and incentive method and promote the improvement of the operation quality of the whole bank.

Kinqin expansion: The bank card application process is as follows: 1. Bring your valid S copy Z and the cost of production to the branch of the card-issuing bank.

2. Make an appointment in the lobby to handle business and wait in line for business. 3. Fill in a bank K application form, set the bank K password, and confirm it.