摘要:如今，网上银行的发展十分迅速，成为人们日常支付等手段，代替了不少银行柜台业务，成为了银行服务的重要渠道甚至是主渠道。而由于个人网上银行业务的发展并不能与其防范操作风险同步，导致操作风险问题并未得到真正的解决。本文将对个人网上银行在申请与使用过程中可能出现的操作风险进行探讨，运用现实中的真实案例，对操作风险产生的原因进行多角度的分析，并从规范银行职员内部管理、加强持卡人的风险意识、提高交易程序的技术安全等方面出发，探究出具有实用性与可行性的对策，提高对个人网上银行操作风险的防范。

关键词：个人网上银行，操作风险，防范

Abstract:Nowadays, online banking is developing fast. Instead of a number of counter services, it became an important channel, even the main channel，of bank services. However, the development of personal online banking isn’t consistent with its risk prevention, and it can not solve the problem of operational risks.The paper firstly discussed the issues of operational risks during online banking application and using processes. Then according to the real case, it analyzed the reason of operational risks from multiple perspectives. And from the bank staffs can have standardized management, customers must strengthen the aware of risk, the bank improves the technology safety of transaction process, finally it proposed feasible improvement measures. 

Key Words: personal online bank, operational risk, prevention