Safe use of online banking strategy

With the stock market heating up, the online bank as a transfer, payment means of the shareholders increased significantly. And through the online Bank subscription fund, can also enjoy the rate concessions. But, while enjoying the convenience of internet banking, how can we avoid the economic losses caused by hackers ' attack?

"The operation risk of net silver can evade." "China Financial Certification Center (CFCA) experts pointed out. The net bank is not safe is not the technology means of online banking is not advanced enough, but the user has not been able to develop good network silver trading habits. At this point, experts deliberately provided advice on how to safely use the net silver.

Keep "keys" properly

At present, the digital certificate mechanism is the most extensive security protection measure used by the Internet bank at home and abroad, the user must apply for the digital certificate to the bank when using the online bank.

It is understood that the digital certificate is a personal identity information of the electronic files, can guarantee the authenticity of both sides of the transaction, to solve the Internet "who you are" problem, to ensure the security of information transmission on the Internet, to prevent others to steal and tamper with information, direct online effective electronic signature, To ensure that the transmission of information on the internet on both sides of the transaction is resistant to repudiation.

So far, there has not been a case that the digital certificate security mechanism has been compromised and the user funds have been damaged. Caoxiaoqing, deputy general manager of China Financial Certification Center, introduced a number of new network silver embezzlement cases, is not the digital certificate mechanism itself is not safe, but the user in the digital certificate in custody and use of the process appeared problems.

Obtain a digital certificate to recognize its authority, the Electronic Signature Act expressly stipulates that "electronic signature requires Third-party certification, by the establishment of the electronic certification service providers to provide certification services." Most banks use the authority of the third party security certification Body-China Financial Certification Center to provide digital certificate Services.

Experts pointed out that digital certificate is the key to secure access to the net silver door, to prevent digital certificates stolen, the key to keep good net silver door. Specifically, the safekeeping of digital certificates is to do: the digital certificate stored in the Usbkey (the bank provides this way), the proper custody of Usbkey, trading in the computer USB interface, after the completion of the transaction to be pulled out in time; if the usbkey of the digital certificate is damaged, lost, etc. Tell the bank in time. Do these points, you can safely use online banking.

Develop a good habit of

On the basis of the correct use of digital certificates, to develop a good computer use habits, the use of online banking will be more secure.

When customers carefully fill in the identity information, do not randomly fill in the registration data, this information is very important to the account of net Bank user. Once the customer forgets the account password, the account is stolen or restricted and so on, the importance of correctly filling in the identity information is very prominent. Under normal circumstances, to be able to contact the customer's postal mailing address, telephone, birthday, name and other information must be filled out truthfully. Because these data are in the handling of extraordinary circumstances, to find and prove the identity of the direct proof of the customer, otherwise the loss may be irreversible. In addition, the customer can record the information provided by the registration for later investigation. Design passwords, tips and so on is also very important, both to facilitate memory and others can not easily see through.

Pay attention to transaction security

Transactions are often the most vulnerable to the customer error caused by the loss of time. Experts pointed out that customers should directly enter the correct bank Web site, or through the previous preservation of the net silver site links into, as far as possible through the links to other sites to enter. Don't walk away from your account, turn off your browser normally, and exit correctly. It is best not to enter the net bar into the silver, if you do not, at least to check the task Manager, to see if there is no normal process in operation; After exiting, clear the page password to save and cookies.

In addition, to guard against external network risk is also the key to ensure security, almost all network silver has claimed that will not send users, especially about passwords, such as mail, so customers do not easily open the unknown origin of the message, especially claimed to be a network of silver to mail, especially with attachments. Also, do not click any connection in the message. These operations may lead to Trojan viruses or lead customers to fake web sites, resulting in losses.