移动互联网银行的风险防范研究
目录
一、引言 1
（一）研究背景及意义 1
（二）国内外研究现状 1
1.国外研究现状 1
2.国内研究现状 2
二、移动互联网银行的风险分析 3
（一）移动互联网银行的概念界定 3
1.移动互联网银行的概念与功能 3
2.移动互联网银行的优势 3
（二）移动互联网银行的风险类型与对比 3
1.移动互联网银行的风险类型 3
2.移动互联网银行的风险特点 4
3.移动互联网银行的风险对比 5
三、移动互联网银行的风险防范措施 7
（一）技术风险防范措施 7
（二）操作风险防范措施 7
（三）信息泄露风险防范措施 8
四、移动互联网银行风险防范存在的问题 8
（一）技术风险防范问题分析 8
（二）操作风险防范问题分析 8
（三）信息泄露风险防范问题分析 9
（四）移动互联网银行风险防范的优化建议 9
1.加强用户网络接入点管理 9
2.规范操作程序 9
3.加强技术风险防范建设 10
4.建立信息防泄漏和保密机制 10
参考文献 11
致 谢 12
ABSTRACT
With the rapid development of mobile Internet, the popularity of 4G network and 5G network is coming, the mobile Internet has become an indispensable tool in peoples lives, so that the mobile Internet banking into peoples mobile phone, has become an important way for people to handle bank business, for business people to solve the complicated prob
*好棒文|www.hbsrm.com +Q: *351916072*
tool in peoples lives, so that the mobile Internet banking into peoples mobile phone, has become an important way for people to handle bank business, for business people to solve the complicated problems in the real bank, so that people in the mobile phone it can be convenient for the business process, meet the needs of people.
Mobile Internet banking is the three mobile communication, Internet banking and combination of users through mobile phone equipment, mobile Internet banking with cloud computing, big data and other ways to achieve to provide loan, payment, remittance, currency swaps, investment banking and other full range, fast, safe and efficient service for customers in the mobile bank the platform, compared with the traditional banking model has great advantages, to achieve the financial services more convenient service channels, more economical, more rich customer experience, the bank financial business to get rid of the limit of time and space, the real benefit more people.
Although there are unique advantages of mobile Internet banking, but there are also a series of risks, in addition to the traditional mobile Internet banking financial risk, there are network risk, technology risk, risk, risk of information security and so on, these risks will affect the development of mobile Internet banking. This paper focuses on the risk of mobile internet bank to carry on the analysis, research and Analysis on the risk types and characteristics of the existence of the risk prevention problems of mobile Internet banking, mobile Internet banks and put forward measures of risk prevention, risk prevention to provide reference for the development of mobile Internet banking, to promote the development of mobile Internet banking healthy, safe, efficient and convenient.
Key words:Mobile Internet banking;financial risk;technical risk;risk prevention
一、引言
（一）研究背景及意义
随着移动互联网的迅速发展，许多app软件进入了人们的移动智能手机，方便人们的生活，而作为银行这一服务行业也顺应了时代的发展潮流，充分利用移动互联网，建立移动互联网银行。移动互联网银行给人们提供了极大的便利，为人们提供存款、贷款、支付、结算、理财等一系列的金融服务，但这种新的银行发展模式也存在着一定的风险，且具有不确定性，在移动互联网银行的注册、使用等过程中存在着风险，会给用户带来一些不必要的且不可估量的损
一、引言 1
（一）研究背景及意义 1
（二）国内外研究现状 1
1.国外研究现状 1
2.国内研究现状 2
二、移动互联网银行的风险分析 3
（一）移动互联网银行的概念界定 3
1.移动互联网银行的概念与功能 3
2.移动互联网银行的优势 3
（二）移动互联网银行的风险类型与对比 3
1.移动互联网银行的风险类型 3
2.移动互联网银行的风险特点 4
3.移动互联网银行的风险对比 5
三、移动互联网银行的风险防范措施 7
（一）技术风险防范措施 7
（二）操作风险防范措施 7
（三）信息泄露风险防范措施 8
四、移动互联网银行风险防范存在的问题 8
（一）技术风险防范问题分析 8
（二）操作风险防范问题分析 8
（三）信息泄露风险防范问题分析 9
（四）移动互联网银行风险防范的优化建议 9
1.加强用户网络接入点管理 9
2.规范操作程序 9
3.加强技术风险防范建设 10
4.建立信息防泄漏和保密机制 10
参考文献 11
致 谢 12
ABSTRACT
With the rapid development of mobile Internet, the popularity of 4G network and 5G network is coming, the mobile Internet has become an indispensable tool in peoples lives, so that the mobile Internet banking into peoples mobile phone, has become an important way for people to handle bank business, for business people to solve the complicated prob
*好棒文|www.hbsrm.com +Q: *351916072*
tool in peoples lives, so that the mobile Internet banking into peoples mobile phone, has become an important way for people to handle bank business, for business people to solve the complicated problems in the real bank, so that people in the mobile phone it can be convenient for the business process, meet the needs of people.
Mobile Internet banking is the three mobile communication, Internet banking and combination of users through mobile phone equipment, mobile Internet banking with cloud computing, big data and other ways to achieve to provide loan, payment, remittance, currency swaps, investment banking and other full range, fast, safe and efficient service for customers in the mobile bank the platform, compared with the traditional banking model has great advantages, to achieve the financial services more convenient service channels, more economical, more rich customer experience, the bank financial business to get rid of the limit of time and space, the real benefit more people.
Although there are unique advantages of mobile Internet banking, but there are also a series of risks, in addition to the traditional mobile Internet banking financial risk, there are network risk, technology risk, risk, risk of information security and so on, these risks will affect the development of mobile Internet banking. This paper focuses on the risk of mobile internet bank to carry on the analysis, research and Analysis on the risk types and characteristics of the existence of the risk prevention problems of mobile Internet banking, mobile Internet banks and put forward measures of risk prevention, risk prevention to provide reference for the development of mobile Internet banking, to promote the development of mobile Internet banking healthy, safe, efficient and convenient.
Key words:Mobile Internet banking;financial risk;technical risk;risk prevention
一、引言
（一）研究背景及意义
随着移动互联网的迅速发展，许多app软件进入了人们的移动智能手机，方便人们的生活，而作为银行这一服务行业也顺应了时代的发展潮流，充分利用移动互联网，建立移动互联网银行。移动互联网银行给人们提供了极大的便利，为人们提供存款、贷款、支付、结算、理财等一系列的金融服务，但这种新的银行发展模式也存在着一定的风险，且具有不确定性，在移动互联网银行的注册、使用等过程中存在着风险，会给用户带来一些不必要的且不可估量的损
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