手机银行发展过程中存在的风险及其防范措施

摘要：手机银行是一种新型的金融服务产品，它是指商业银行基于移动通信技术，利用移动终端向客户提供查询、缴费、支付、理财等金融服务，具有快速、便捷和易用等特征。虽然我国尚无专门的手机银行立法对其运营进行有效规范，对交易双方的权利、义务、利益、风险与责任进行细致界定，但交易双方仍应本着诚实信用、公平公正的原则预防和化解法律风险，努力构建和谐的手机银行市场秩序。

本文在对当前手机银行背景认知的基础上，首先通过对手机银行风险的现状进行分析；其次，通过对国内外手机银行业的发展现状的研究和对手机银行发展前景及趋势的分析，提出手机银行发展中存在的风险问题,并基于风险提出了相关的解决对策。这些内容，可以作为商业银行风险管理部门、银行卡业务部门、信用卡业务部门和电子银行业务部门的信息决策参考。

关键词：手机银行；银行；风险；金融服务

In the process of developing the mobile banking risk and its prevention measures

Abstract: mobile banking is a new type of financial services products, it refers to commercial Banks based on mobile communication technology, the use of mobile terminal to provide customers inquiry, payment, payment, financial management, such as financial services, has the characteristics of fast, convenient and easy to use, etc. Although in China there is no special mobile banking legislation to operate effectively regulate, rights and obligations of both parties, benefits, risks and responsibilities carefully defined, but both parties should be based on the principle of good faith, fair and just to prevent and dissolve the legal risk, efforts to build a harmonious order of mobile banking market.

Based on the current mobile banking background, on the basis of cognitive, first of all, through the analysis of the status quo of mobile banking risk; Secondly, through the study of mobile phone industry development present situation at home and abroad and the analysis of the prospect and trend of development of the mobile phone bank, put forward problems existing in the development of mobile phone bank risk, and puts forward relevant solutions based on risk. These content, can be used as a commercial bank risk management department, bank card, credit card business and electronic banking business department department information decision-making reference.

Key words: mobile banking; The Banks; Risk; The financial services

目 录

一、引言 3

（一）研究背景 3

手机银行发展过程中存在的风险及其防范措施-毕业论文