组织支付安全管理

Oditor Pub Date : 2022-01-01 DOI:10.5937/oditor2203072z
Ilija Životić, Kristijan Ristić, Snežana Krstić, Srboljub Nikolić, Bruno Đuran
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引用次数: 0

摘要

支付交易中的风险管理包括识别、衡量和管理风险。因此,有必要确立其在支付交易中的有效功能。在过去十年中,转型期国家风险管理的发展是显而易见的。考虑到这些事实,本研究的目的是分析支付交易中的风险,特别参考现金管理的分析。这项概览研究的结果表明,每家银行的经营风险数量或多或少,将自己定位在两个极端之间:绝对接受风险和绝对不接受风险。风险接受水平必须与银行弥补由此造成的损失的能力成正比,并达到可接受的回报率。如果银行建立有效的识别、衡量和管理业务风险,就有可能获得更高的回报。安全漏洞的载体产生于源的类型,这些源的类型以后将产生各种形式的安全漏洞。为了履行防御和保护职能,有必要包括那些提供消除导致违反安全和危险的因素的可能性的措施。这些措施必须是机构和工作过程执行的一个组成部分。现金支付交易安全、正常运作的条件意味着必须有训练有素的人员来执行安全职能。为了实现安全功能并对其进行成功的管理,需要对现有法律法规中的各种规范进行整合。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Management of organizational payment security
Risk management in payment transactions includes identifying, measuring and managing risks. That is why it is necessary to establish its effective function in payment transactions. In the last ten years, the development of risk management in countries in transition is evident. Bearing these facts in mind, the aim of this research study is to analyze the risks in payment transactions, with special reference to the analysis of cash management. The results of this overview study show that each bank operates with a smaller or larger number of risks, positioning itself between two extremes: absolute risk acceptance and absolute risk non-acceptance. It is necessary that the level of risk acceptance be proportional to the bank's ability to cover the resulting losses, as well as to achieve an acceptable rate of return. Achieving higher returns is possible if the bank establishes effective identification, measurement and management of business risks. The carriers of security breaches arise from the types of sources from which forms of security breaches will later arise. In order to carry out the defense and protection function, it is necessary to include those measures that provide the possibility of eliminating elements that lead to the violation of security and danger. Those measures must be an integral part of the institution and the execution of the work process. The condition for safe and normal operations in cash payment transactions implies the necessity of having trained personnel for the implementation of the security function. In order to implement the security function and manage it successfully, it is necessary to integrate various norms in the existing legal regulations.
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