网上银行风险点及防范措施.doc

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1、网上银行风险点及防范措施风险点一：未仔细审核客户身份风险点一：未仔细审核客户身份具体表现：l 非客户本人办理l 未认真审核客户身份证件的真实有效性、未联网核查客户身份。防范措施：1、将客户有效身份证件与本人进行核实鉴别。2、联网核查、对客户有效身份证件真伪进行鉴别。3、审核客户提供的身份证必须在有效期内。4、客户办理网上银行业务，填写的申请表、授权书等内容不得涂改，网点操作员必须严格按客户申请的业务种类办理业务。风险点二：企业网上银行注册资料不全问题具体表现：l 申请表要素填写不全或不正确、不完整，缺少企业签章签字。l 客户提供资料的真实性完整性审查不严：客户基本信息与营业执照、事业单位法人证

2、书或组织机构代码证等内容不一致或信息虚假。l 注册账户账号、户名、账户性质等内容与业务系统以及开户行印鉴内容不相符。l 法定代表人、经办人及企业网上银行管理员、操作员的有效身份证件或复印件与本人不符或虚假。l 无法人授权委托书或委托书虚假。防范措施：1、营业网点必须查验客户有效证件，客户身份识别是银行机构应当履行的法定义务，经办员与复核员必须双人仔细核对客户申请资料的真实性、有效性和完整性，同时做好联网核查工作。2、需操作员本人持有效身份证件到注册行激活，如需代理代理人必须出具本人有效身份证件原件，持企业出具加盖单位印鉴及管理员和操作员本人签名的回执办理激活，回执中需说明管理员、操作员已经收到

3、证书并要求银行激活。风险点三：未按规定落地业务，导致客户资金不能及时到帐或造成客户资金损失。防范措施：经办行应至少指定一名柜员负责定时接收网上银行落地业务交易信息，并进行相关的会计处理。落地业务的接收和处理要严格按照总省行规定执行，即：落地业务每天至少查询四次，每次查询不得超过两小时，确保客户资金及时到账；处理有加急标志落地业务时，应根据本行业务的实际情况，通过当地业务处理渠道中最快的方式处理；办理撤单业务，应要求客户递交一式两份的书面撤单申请书，申请应详细填写交易要素（客户号、交易日期、转出账户、转入方账号及户名、交易金额、交易流水号、撤销原因等），企业客户要在撤单申请书上加盖账户预留印鉴，

4、个人客户需出示账户凭证的原件及本人有效身份证件，并当面在撤单申请书上签字。客户撤单申请书要随传票装订；营业网点要严格防范因柜员工作疏忽，重复打印网上银行转账凭证并重复扣款造成客户损失，严禁未经授权取消客户电子指令致使落地交易失败或延误落地业务处理。风险点四：银行人员擅自留存客户注册资料，未经客户同意，擅自为客户注册电子银行业务或使用客户证书进行操作。具体表现：l 银行人员利用工作便利，对客户资料进行擅自复印、留存或挪作它用进行非法交易。防范措施：1、加强人员监督工作，严禁擅自复印、留存、盗用客户资料。 2、提示客户在提供给银行的复印件上注明“仅供在农业银行办理业务使用”字样。结束语！祝大家学到

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