Eric Liu Longtao: The bottleneck of internet banking security needs to be solved

Internet banking as the inevitable outcome of internet and e-commerce development, from the day of its emergence, the majority of netizens on its security has never stopped, in recent years on the Internet banking security incidents have also occurred, which further enhance the vast number of netizens on the security of the network of concerns, How to maintain the legitimate rights and interests of the vast network of silver users and how to solve the security problem of online banking is an important problem to be solved urgently in the development of > Bank of our country online http://www.aliyun.com/zixun/aggregation/6563.html. According to iresearch, the latest report on the 2006 China Online Banking study, 68.1% of netizens believe that "unsafe internet banking Security" is the main reason why they do not use online banking.

The study found that the security concerns are the main obstacles to the development of online banking, the security mechanism of online banking is mainly the following problems:

Non-Uniform safety technical standards

The technical standard is a key issue for online banking to effectively eliminate the safety problem. China's commercial banks in the initial stage of financial computerization to adopt a fragmented approach, resulting in the current financial institutions of the system does not have a unified technical standards. This not only caused unnecessary duplication of construction and waste of resources, but also make the overall service efficiency of online finance relatively low, which will hinder the further development of China's online banking.

Lack of management of certification centers

The Financial Certification Center is responsible for providing information security to all parties involved in online banking, and realizing the confidentiality, authenticity and completeness of electronic transactions on the Internet. However, at present, there are several problems in our certification centers, such as duplicate construction, distrust of certificates issued, and narrow trust domain, which not only cause huge waste of funds, but also form a digital divide, and endanger the development of electronic payment system. Therefore, the construction and management of certification center needs more advanced unification and coordination.

The current regulatory approach lags

The central bank's existing supervision on commercial banks is mainly aimed at the traditional banks, and the emphasis is on the implementation of the Bank's network index, business voucher and report audit. In the era of online banking, the accounting revenue and expenditure of paperless, processing of the abstraction of the process of virtualization, the business content of the substantial increase, so that the existing regulatory methods in terms of efficiency, quality, radiation and other major discounts.

Eric Market Consulting analysis that, although online banking has convenient, fast service advantages, but after all, the service platform is based on the Internet, the majority of Internet users of its security concerns are normal. At present, the security problem has become the biggest bottleneck of the continuous popularization and further development of the Internet banking business in China, in order to break through this bottleneck, it is necessary for China's major banks to make continuous efforts and innovation in technology and management, which requires the participation agencies in the online banking industry chain to pay more attention to In particular, it is necessary for the relevant financial regulatory authorities to give legal protection and support to the Internet banking security and rights of Internet users.