网络银行安全支付应用研究 以中国银行“网络钓鱼”事件为例.docVIP

PAGE I 编号： 本科毕业论文 题目：网络银行安全支付的应用研究 —以中国银行“网络钓鱼”事件为例 院 系： 姓 名： 学 号： 专 业： 年 级： 指导教师： 职 称 完成日期： 摘 要 随着网络技术的提高以及电子商务的发展，网上银行这一新生事物逐渐被人们所接受和喜爱，它是未来银行业发展的主流形式。最近十几年我国的网上银行也发生了巨大的变化，得到了突飞猛进的发展。但是在蓬勃发展现象的背后，存在着许多的问题，如:网上银行网站被假冒，网银服务器被攻击，用户资料被窃取，键盘登录使密码被盗，用户的网上银行数字证书文件被窃取等。 网络银行的安全性和稳定性成为人们关注的问题。因此，研究合理有效的网络安全支付措施，构建和完善网络银行风险监管体系，建立和平的金融环境，增强社会公众对网络银行安全性的信心，促进银行业在新的技术条件下稳步发展，无疑具有重要意义。 本文以中国银行“网络钓鱼”事件为例，对我国网上银行安全支付现状分析，得出当前主要的攻击手段。从案例中分析出，中国银行网银支付认证的不足，以及我国网络银行中普遍存在的安全支付问题。针对这些问题提出相应有效的对策。目的在于保障网上银行交易安全，使网上银行取得长期健康的发展。 关键词：电子商务；网络银行；身份认证；网上支付安全 Abstract Along with the network technology and the improvement of the development of electronic commerce, the Internet banking is a new thing that has been accepted and adored by people, it is the main form of the future development of banking industry. In recent years Chinas Internet banking also produced tremendous change, obtained make a spurt of progress in the development of. But in the booming development behind the phenomenon, the existence of many problems, such as: online banking website is fake, net server being attacked, the user data theft, keyboard entry the password theft, users of online bank figure certificate files from being stolen. Network bank security and stability to become the people matter of concern. Therefore, study the reasonable and effective network payment security measures, and improve the construction of Internet banking risk supervision system, establish peace financial environment, enhance the public to the network bank security confidence, promote the banking industry in the new technology under the conditions of steady development, have important sense undoubtedly. According to the Bank of China phishing incident as an example, on the Internet bank payment security present situation analysis, concludes the main means of attack. From the case of China, the bank net silver payment authentication deficiency, as well as the network bank of our country exists in secure payme