Eric Liu Longtao: Cracking the security of internet banking

Online banking as the rapid development of E-commerce and network finance, emerging things, it has been welcomed by netizens for its convenience and rapidity, but because of the frequent occurrence of security accidents on the Internet, the security of the net bank has been the most important reason for Internet users to be afraid or unwilling to try to use online banking. The theft of Internet bank user funds in China Construction Bank in March this year has added a bit of distrust to internet banks that were already full of security doubts. What is the security of online banking, is it the negligence of the vast number of Internet users or the technical maturity of the banks, or the failure of the banks, or the government's supervision of the adverse?

Iresearch Eric Market Consultancy study found that the security of online banking is not only related to the awareness of netizens, the responsibility of banks, but also related to the technical problems of the Bank and government supervision.

User safety awareness needs to be strengthened

The unsafe form of net silver mainly manifests in two aspects, one is the net silver system itself, the other is the net Silver client. At present, the network silver security accident is almost all the perpetrators use the identity of the client into the bank's network silver system to commit crimes. And the reason why the criminals can easily steal the user's password and money is mainly due to the vast number of users of the security awareness is not strong, such as users in internet cafes or public places using online banking, not using digital certificates or USB, false bank site fraud, Trojan degree or virus to steal passwords, Accidentally leaked ID number and password and set the network silver password negligence. Iris analysis that the safety of the network of the accident occurred mainly because the majority of users of the security awareness is not strong, if the vast number of net silver users can be strengthened in security awareness, many online banking accidents can actually be avoided.

Technical problems are no longer a security barrier

Starting with online banking, the technical problem of internet banking security has always been the focus of major banks, at present, the online banks of major banks have passed the technology, the common forms of security protection are: USB form, digital certificate, dynamic password, etc., these security measures for the prevention of Trojans, viruses, Hackers and fake websites are more than sufficient, unless the certificate, account number, login password and payment password are stolen by the same person. Eric analysis that the current market in the network of silver security accidents are rarely due to the lack of network silver technology and brought, technical problems have not been a barrier to the development of network silver security, as long as the majority of users can strengthen security awareness, the use of Professional version of the online banking digital certificate or USB, you can rest assured that the use of online banking.

Banks should bear the responsibility of safety education

Online banking is an emerging thing, banks as the initiator and the Internet Bank is responsible for and obligation to the vast number of netizens to carry out security awareness of education and publicity, and the current broad network of silver users of the security awareness is not strong to a large extent with the bank's propaganda and education and tips enough. In addition, the major banks launched the popular version of the online banking system only using a simple "card number + password" Landing method, has become a network of silver security accidents are the main link. It is undeniable that the popular version of online banking because the opening is simple, conducive to the promotion of online banking business, but because its lower security should not be used by the majority of netizens. Iris analysis that the current Internet users of electronic payments and online banking market awareness is still very limited, banks in the Internet banking security for the publicity, promotion and education should bear the corresponding responsibility.

Regulatory policy to keep pace with development

At present, there is no clear laws and regulations on the supervision of the security of the net Bank and the protection of the rights and interests of the Internet banking users, and the responsibility and the definition of the network bank are ambiguous and controversial. In addition, the Central bank's supervision of commercial banks is still in the traditional bank, but in the era of online banking, the paperless of the accounting revenue and expenditure, the abstraction of the processing process, the virtualization of the organization DOT, make the existing supervision way in the efficiency, quality and so on greatly reduced. The absence of regulation has led to the lack of systematic power and responsibility of the various subjects in the network silver industry chain, banks, network technology companies, financial certification bodies, customers and so on. In the analysis, it is necessary for the relevant financial regulatory departments to give legal protection and support to the Internet banking security and rights of netizens.

Iris Market Consulting analysis that online banking in China is still in the initial stage of industry development, as a whole is still in the user training stage, the healthy development of online banking needs the cooperation and efforts of all parties in the industrial chain. At present, the security problem has become the biggest bottleneck of the continuous popularization and further development of our online banking business, want to break through this bottleneck, not only need the vast number of users themselves to strengthen the network silver security awareness, but also need the bank in technology and management to strengthen innovation, education and cultivate the user's safety awareness The Government and regulatory authorities should strengthen the legislation and supervision of the security of the net bank.