【正文】 work insurance. Second, the work of financial risk Network mainly engaged in the financial settlement of electronic money and electronic virtual financial services, in addition to traditional financial activities which exist in the process of credit risk, liquidity risk, interest rate risk, currency risk and market risk, from a technical, business and legal perspective, There are the following specific risks: 1. Technology risk (1) hacker attacks. The operation of the work must rely on financial transactions, puter and Inter, all transactions are stored in the puter, the transmission of online information is easy to bee a large work of hacker attack. In addition, Web access is a form of Inter service, is also a work of financial institutions trading and services platform, but it depends on TCP / IP protocol, there are many security vulnerabilities. This gives hackers broke into financial institutions through the work to create the conditions for the system. Hackers only need to use loopholes in the system itself, only need to modify a few settings you can allow financial institutions to a standstill. (2) technology selection risk. To carry out financial business works, they must choose a proven technology solutions to support. Once there is choice, there will be a result of selection for the same mistakes which led to the risk. One possibility is to choose the technology system and client terminal software patibility due to poor speed of information transmission interruption or reduction, another risk is that of technical alternatives have been eliminated, resulting in relatively backward technology, the work out of date, leading to enormous technical and Loss of business opportunities. Financial terms of the work, technology choice may lose all of the market failure, or even lose the basis for survival. 2. Business risks. (1) operational risk. Operational risk from the system reliability, stability and security caused major defects in the possibility of potential loss may e from the negligence of online financial customers, may also e from the financial security system work and its products, design flaws and operational errors . Operational risk relates primarily to authorize the use of online financial accounts, the work of financial risk management systems, works, financial institutions and the exchange of information among customers, true and false recognition of electronic money. (2) the risk of market signals. Market risk is due to signal asymmetric information work of financial institutions led to the face of adverse selection and moral hazard arising from business risks. Such as Inter banking customers can not identify the risk level of the Inter at a disadvantage, online customers may use their hidden information and action to make the work to their advantage at the expense of the interests of the decisionmaking banks and leaving because of adverse public ment on Inter Banking Risk of losing customers and