手机银行风险评价体系研究

摘要

从手机银行的应用现状出发，阐述手机银行的技术架构以及常见的安全风险。结合国家等级保护及行业主管部门的相关技术要求，分析手机银行的各个层面的风险评估指标，并采取层次分析法确定各指标的权重，最后得出手机银行的总体安全情况。在此基础上形成的手机银行风险评价体系，可量化风险评估结果，为手机银行的风险管理提供依据。%Proceeding from the status quo of mobile banking application, in this paper we expound the technology architecture of mobile banking as well as common security risks.Combining with the related technical requirements of classified protection and industry departments of China, we analyse the risk assessment indicators at all levels of the mobile banking, and take AHP to determine the weight of each index. Finally we derive overall security situation of the mobile banking.The mobile banking risk evaluation system formed on this basis is able to quantify the risk assessment results and provides the basis for mobile banking risk management.