金融专业-电子银行的风险管理.docVIP

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. Information