Research on the Operational Risk of E-commerce Security of Commercial Banks in China

In this paper, I has analyzed China's commercial banks risk situation of e-commerce security; established a commercial bank’s e-banking risk management framework; measured the commercial banks operating in the electronic banking risk by extreme value theory. It provided a theoretical basis for Commercial banks to against operational risk. However downturn in the macroeconomic cycle, medium and small banks are more prone to risk spillover cause systemic risk. Therefore, policy recommendations are that the banking supervisory authority focuses on not only the traditional sizeable international banks asset, but also concerned about the medium and small banks of excessive business growth. Keywords—E-commerce; E-banking; Operational risk; Extreme value theory