金融专业外文翻译-----电子银行的风险管理-金融财政(编辑修改稿)

金融专业外文翻译-----电子银行的风险管理-金融财政(编辑修改稿)内容摘要：

se with an institution’s ebanking initiatives depending on the volatility and pricing of the acquired deposits. The Inter provides institutions with the ability to market their products and services globally. Interbased advertising programs can effectively match yieldfocused investors with potentially highyielding deposits. But Interoriginated deposits have the potential to attract customers who focus exclusively on rates and may provide a funding source with risk characteristics 4 similar to brokered deposits. An institution can control this potential volatility and expanded geographic reach through its deposit contract and account opening practices, which might involve faceto face meetings or the exchange of paper correspondence. Compliance and legal issues arise out of the rapid growth in usage of ebanking and the differences between electronic and paperbased processes. Ebanking is a new delivery channel where the laws and rules governing the electronic delivery of certain financial institution products or services may be ambiguous or still evolving. Laws governing consumer transactions require specific types of disclosures, notices, or record keeping requirements. These requirements also apply to ebanking, and banking agencies continue to update consumer laws and regulations to reflect the impact of ebanking and online customer relationships. Institutions that offer ebanking services, both informational and transactional, assume a higher level of pliance risk because of the changing nature of the technology, the speed at which errors can be replicated, and the frequency of regulatory changes to address ebanking issues. The potential for violations is further heightened by the need to ensure consistency between paper and electronic advertisements, disclosures, and notices. 3. Risk management Ebanking has unique characteristics that may increase an institution’s overall risk profile and the level of risks associated with traditional financial services, particularly strategic, operational, legal, and reputation risks. These unique ebanking characteristics include: Speed of technological change, Increased visibility of publicly accessible works, Less facetoface interaction with financial institution customers. Management should review each of the processes discussed in this section to adapt and expand the institution’s risk management practices as necessary to address the risks posed by ebanking activities. Financial institution management should choose the level of ebanking services provided to various customer segments based on customer needs and the institution’s risk assessment considerations. Institutions should reach this decision through a boardapproved, ebanking strategy that considers factors such as customer demand, petition, expertise, implementation expense, maintenance costs, and capital support. Some institutions may choose not to provide ebanking services or to limit ebanking services to an informational website. Financial institutions should periodically reevaluate this decision to ensure it 5 remains appropriate for the institution’s overall business strategy. Institutions may d。