【正文】 ent decisions can increase a financial institution’s strategic risk. Early adopters of new ebanking services can establish themselves as innovators who anticipate the needs of their customers, but may do so by incurring higher costs and increased plexity in their operations. Conversely, late adopters may be able to avoid the higher expense and added plexity, but do so at the risk of not meeting customer demand for additional products and services. In managing 6 the strategic risk associated with ebanking services, financial institutions should develop clearly defined ebanking objectives by which the institution can evaluate the success of its ebanking strategy. 譯文 電子銀行的風(fēng)險管理 資料來源 :加拉茨 大學(xué)經(jīng)濟科學(xué)系 作者： Virlanuta Florina， Moga Liliana， Ioan Viorica 1 風(fēng)險管理的電子銀行業(yè)務(wù) 電子銀行定義為將傳統(tǒng)銀行產(chǎn)品通過電子渠道，并直接向客戶提供互動服務(wù)的的新的自動交付服務(wù)。 and Negative public perception if the institution’s online services are disrupted or if its website is defaced or otherwise presents inappropriate or offensive material. Transactional websites provide customers with the ability to conduct transactions through the financial institution’s website by initiating banking transactions or buying products and services. Banking transactions can range from something as basic as a retail account balance inquiry to a large businessto business funds transfer. Ebanking services, like those delivered through other delivery channels, are typically classified based on the type of customer they support. The following table lists some of the mon retail and wholesale ebanking services offered by financial institutions. Since transactional websites typically enable the electronic exchange of confidential customer information and the transfer of funds, services provided through these websites expose a financial institution to higher risk than basic informational websites. Wholesale ebanking systems typically expose financial institutions to the highest risk per transaction, since mercial transactions usually involve larger dollar amounts. In addition to the risk issues associated with informational websites, examiners reviewing transactional ebanking services should consider the following issues: —— Security controls for safeguarding customer information。1 外文翻譯 原文 RISK MANAGEMENT OF EBANKING ACTIVITIES Material Source: University Galati, Economic Science Faculty Author: Virlanuta Florina， Moga Liliana， Ioan Viorica 1. Ebanking risks Ebanking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive munication channels. Ebanking includes the systems that enable financial institution customers, individuals or businesses, to access accounts, transact business, or obtain information on financial products and services through a public or private work,including the Inter or mobile phone. Customers access ebanking services using an intelligent electronic device, such as a personal puter (PC), personal digital assistant (PDA), automated teller machine(ATM), kiosk, or Touch Tone telephone. In Romania, over 23 banks implemented and offer now ebanking servic