网上电子银行系统

本文简要介绍网上电子银行系统的基本结构。重点讲述信息传送服务器 ,并给出该系统的设计例。     

Timing the introduction of information technology

Abstract. Deciding when to adopt or introduce new information technology (IT) is a relatively difficult problem. This paper presents a method that can be used in many circumstances to evaluate new IT. The model is based on modelling the response of customers and rivals to services provided by IT. The methodology recognizes competitor reactions on two levels: within the local market and actions by rivals in the international market. The model examines behaviour, costs, and benefits over time. Several different types of models are examined, ranging from competitive (Nash) equilibriums to joint ventures. This model is illustrated by examining when banks should implement new technology. The results indicate that large banks can effectively utilize technology as a strategic weapon. Smaller, local banks are more limited in their control of technology. The model reveals some strategic uses that are not evident from existing models.     

Using information-systems constructs to study online- and telephone-banking technologies

The research literature has seen a number of studies aimed at understanding customer attitudes towards banking technologies, and thereby providing implications for developmental planning and marketing. However, even though banking technologies have a significant amount of information systems (IS) component to them, there is a paucity of research that considers them from the IS perspective. In this paper, we fill this gap by considering three constructs, namely usefulness, ease of use and usage, that are all rooted in the IS literature. We study user’s perceptions of these constructs, as well as the relationships among them, for both online and telephone banking.     

银行信息系统安全风险分析与控制对策

银行是金融产业的核心构成,银行内部经营管理水平关系着社会产业结构的变动,对金融业经济实现效益增收有着较大的影响。信息时代背景下计算机技术在银行信息系统管理中的运用更加普遍,促进了银行内部办公自动化模式的形成。由于计算机系统自身存在漏洞及操作缺陷,往往导致银行信息系统承受着巨大的安全风险,不利于其长期性的市场经营。针对这一点,本文主要分析了银行信息系统安全风险的成因及控制策略。     

从“超级网银”看我国PKI交叉认证体系建设

"超级网银"是我国第一个大规模跨CA的交叉认证平台,采用的是桥接交叉认证模式。不同的领域,应根据其自身特点,采用不同形式的交叉认证模型。最终的目的,是要在全国范围内建立一个交叉认证、相互融合又相互独立、相互协调的PKI整体体系,在这个过程中,国家和政府应发挥更加积极的作用。     

手机银行风险评价体系研究

从手机银行的应用现状出发,阐述手机银行的技术架构以及常见的安全风险。结合国家等级保护及行业主管部门的相关技术要求,分析手机银行的各个层面的风险评估指标,并采取层次分析法确定各指标的权重,最后得出手机银行的总体安全情况。在此基础上形成的手机银行风险评价体系,可量化风险评估结果,为手机银行的风险管理提供依据。     

互联网金融平台中高违约风险用户识别算法

在我国金融科技不断创新的背景下,互联网金融平台中通过网络分析技术开展用户风险识别已经成为当前的热点技术发展方向。以某互联网金融平台的用户交易数据为对象,通过分析其中借贷逾期违约的传播行为,提出通过传播特征构建模型算法识别互联网金融平台的高风险用户。在构建基于阈值传播和随机传播的SIS模型和SIR模型基础上,将模型转换为可评价用户风险值的算法,并进一步与实际违约数据进行验证对比。对比结果显示在前5%和10%高风险群体划分条件下,算法具有较高的召回率和良好的结构关联性。     

Attitudes towards mobile banking: are there any differences between users and non-users?

Extant research has focused on monitoring the behaviour of people who use mobile banking (MB) but it has paid little attention to understanding the impact of information technology usage behaviour due to cultural differences. Humans are the weakest link in information technology adoption; past research has shown that not all users are predisposed to change their behaviour radically and adopt new channels of banking. This paper examines the demographic patterns of users and non-users of MB. The paper also investigates the attitudinal influences of users and non-users of MB based on innovation attributes. Using empirical research, the study identifies constructs of innovation attributes that were perceived to be significantly different among the users and non-users of MB. The study provides valuable insights into MB in Saudi Arabia that have not been previously investigated. From a practical point, findings of this study will be particularly useful to banks, financial institutions and telecommunication service providers.     

智慧社保服务体系建设思考与实践

建立智慧型社会保障服务体系,是政府惠民工程的重要组成部分之一。以精确的人员基本信息库建设、经办业务下延、银行自助服务、网上自主经办等方面为依托,充分利用信息化手段打造一体化的社保经办体系,将业务经办突破时间、空间限制,构建完整的智慧社保服务体系。经信息系统上线近二年的实时运行,证明运用现代信息技术建立多层次、多渠道、差异化的服务体系,极大地提高了服务效率,产生了良好的社会效益。     

银行监管有效性体系的建构

为提升我国银行监管的有效性,在借鉴国际社会银行监管经验的基础上,采用比较分析的方法,构建适合我国国情的银行监管有效性指标体系．利用该指标体系对我国银行监管现状进行分析,结果表明,我国银行监管收益指标中的稳定性指标比较理想,但存款人保护等指标仍有较大提升空间．银行监管成本高,即银行监管应在提高各项收益指标的前提下,尽可能削减监管成本．