How to evaluate the risk of online banking of Bank of China?

Bank of China will conduct irregular questionnaire survey on customers, mainly referring to the maximum risk that customers can bear.

Risk assessment refers to the quantitative assessment of the possibility of a risk event affecting people's lives, life and property before or after the risk event (but not yet over). That is, risk assessment is a quantitative assessment of the possible impact or loss of an event or thing.

The main issues involved are as follows:

1, the main source of income for customers.

2. The proportion of the estimated investment securities of the customer service family in the total assets of the family in the near future (excluding fixed assets such as self-occupied, self-occupied real estate and automobiles).

3. Does the customer have a lot of outstanding debts?

4. The amount of assets that customers can invest (including financial assets and real estate).

There is also the knowledge and investment experience of investment-related customers.

Extended data:

First of all, in the process of risk assessment, there are several key issues to consider:

1, to determine what is the protected object (or asset) and its direct and indirect value;

2. What is the potential threat of assets, what are the problems that lead to the threat, and how likely the threat is;

3. What are the weaknesses in the assets that may be threatened to be used, and how easy it is to use these weaknesses;

4. What kind of losses will the organization suffer or what kind of negative impact it will face once the threat event occurs;

5. What safety measures should the organization take to minimize the losses caused by risks;

The process of solving the above problems is the process of risk assessment.

Second, when conducting risk assessment, there are several corresponding relationships that must be considered:

1, each asset may face multiple threats;

2. There may be multiple threat sources (threat agents);

3. Each threat may exploit one or more weaknesses.

Baidu encyclopedia-risk assessment