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网络银行是科技进步与金融产业相结合的产物,它的出现给传统银行业带来了一系列的制度变迁和前所未有的发展机遇,同时也带来相应的网络银行风险。网络银行,其低廉的成本和广阔的发展前景已越来越得到人们的重视。网络银行代表了现代银行业的一个发展方向,具有广阔的发展前景和盈利空间。然而技术的革新不仅给银行带来了巨大的经济效益,同时也带来了相应的经营风险。网络安全问题不断的显现和激化,使得网络银行的风险管理成为影响网银发展的重要一环。
Internet banking is a product of the combination of technological progress and financial industry. Its emergence has brought a series of institutional changes and unprecedented opportunities for development in the traditional banking industry, and brought about the risks of online banking at the same time. Internet banking, its low cost and broad development prospects have been more and more people’s attention. Internet banking represents a development direction of modern banking, with broad development prospects and profit margins. However, technological innovation not only brings huge economic benefits to banks, but also brings about corresponding business risks. The continuous emergence and intensification of cyber security problems have made cyber bank risk management an important part of the development of online banking.