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金融专业外文翻译电子银行的风险管理金融财政
外文翻译
原文
RISK MANAGEMENT OF E-BANKING ACTIVITIES
Material Source: University Galati, Economic Science Faculty Author: Virlanuta Florina,Moga Liliana,Ioan Viorica
1. E-banking risks
E-banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. E-banking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private network,including the Internet or mobile phone. Customers access e-banking services using an intelligent electronic device, such as a personal computer (PC), personal digital assistant (PDA), automated teller machine(ATM), kiosk, or Touch Tone telephone.
In Romania, over 23 banks implemented and offer now e-banking services. The continuous development of the supporting technology, information security and e-banking strategy reflects on the increasing number of the e-banking customers. According to Communications and Information Technologies Ministry, the number of e-banking users and the transactions performed in this system, as well as the value of these transactions, registered a spectacular rising, displayed in the graphics below:
Year
Index
2004
2005
2006
2007
E-banking customers
18.259
44.538
100.799
187.471
Transactions number
1.968.170
2.244.067
3.546.549
4.851.427
Transactions value (euro)
7.911.987.706
11.566.348.720
20.510.170.662
44.830.322.635
Source: Communications and Information Technologies Ministry
While the risks and controls are similar for the various e-banking access channels, this essay focuses specifically on Internet-based services due to the Internet’s widely accessible public network Accordingly, this project begins with a discussion of the two primary types of Internet websites: informational and transactional. Informational websites pro
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