摘要因特网的出现给银行提供了一个前所未有的超越现存国界的机遇,国际银行业的面貌由此发生了翻天覆地的革命性变化。越来越多的国际银行开始关注和瞄准网上银行业务,并试图涉险进入和占领电子商务的新领域。受网络技术变革、金融监管自由化和不确定的法律、规制环境等多种因素的综合影响,网上银行业务给银行风险控制方面带来了挑战。网上银行是金融产业与现代网络信息技术相结合而进行金融创新的产物,其不单纯指银行业务的电子化,更关注于对银行内部业务活动和流程的改造,使信息技术充分发挥其在降低运营成本、提高管理效率和改善服务质量等方面的作用。在网上银行,金融业务处理已由手工操作转化为自动化电子处理,这种转变虽然消除了纸面交易产生的风险,但却进一步扩大了风险的范围,每个商业银行都应认真思考如何应对网上银行各类风险带来的危害。本文以辽宁省农村信用社网上银行推广作为研究对象,探讨网上银行推广中的风险防范策略具有极强的现实意义:有助于辽宁省农村信用社进一步认识和分析网上银行的特点及发展趋势;有助于辽宁省农村信用社进一步识别和分析网上银行推广中的各种风险及其防范措施;通过对辽宁省农村信用社网上银行推广中的风险具体分析,并对风险控制及管理提出自己的合理化建议,有助于为辽宁省农村信用社进一步健康快速发展做出自己的贡献,为其他行提供重要的理论参考价值。关键词:辽宁省农村信用社;网上银行;风险控制AbstractTheemergenceoftheInternetprovidesahithertounknownbeyondthebordersofopportunitiesforbanks,internationalbankinglandscapeproducedrevolutionarychangesinturntheworldupsidedown.MoreandmoreinternationalbanksbegantopayattentionandAimedatthebusinessofthebankonthenet,thenewfieldandtriedtoentertheriskandoccupationofelectroniccommerce.Avarietyoffactorsaffectedbythenetworktechnologyreform,financialliberalizationanduncertainlegal,regulatoryenvironment,Internetbankingbringschallengestothebankingriskcontrol.Internetbankingistheproductofthefinancialindustryandthemodernnetworkinformationtechnology,thecombinationoffinancialinnovation,itnotonlyreferstotheelectronicbankingbusiness,paymoreattentiontothetransformationofthebank'sinternalbusinessactivitiesandprocesses,sotheletterInformationtechnologyandgivefullplaytoitsinreducingoperatingcosts,improvemanagementefficiencyandimprovetheservicequalityofthe.Inonlinebanking,financialbusinessprocessfrommanualoperationintotheautomaticelectronicprocessing,thoughthetransformationeliminatestheriskofpapertransactions,buttofurtherexpandthescopeofeachrisk,commercialbanksshouldseriouslyconsiderhowtodealwiththeharmofthebankonthenetallkindsofrisks.Inthispaper,thebankonthenetofLiaoningprovinceruralcreditcooperativesastheresearchobject,toexploretheriskpreventionstrategiesforonlinebankinginpromotionhasaverystrongpracticalsignificance:itishelpfulforruralcreditcooperativesinLiaoningProvince,furtherunderstandingandanalysisofthecharacteristicsanddevelopmenttrendofInternetbanking;contributetotheruralcreditcooperativesinLiaoningProvince,furtheridentificationandanalysisofrisksbankonlinepromotionanditspreventionmeasures;riskthroughconcreteanalysisonthepromotionofruralcreditcooperativesofInternetbankinginLiaoningProvince,andputforwardreasonablesuggestionstotheriskcontrolandmanagement,helpfortheruralcreditcooperativesofLiaoningprovincefurtherhealthfastdevelopmentandmakeitsowncontribution,providesanimportanttheoreticalreferencevaluefortheotherline.Keywords:LiaoningProvinceRuralCreditCooperatives;onlinebanking;riskcontrol目录摘要.......................................................................