Tuesday, January 02, 2007

從網站漏洞看工銀質素

近期熱門中資金融股非中國工商銀行(1398)莫屬,成為全球市值第二大銀行股外,又成首間「走出去」收購海外的印尼Halim銀行股權的內地銀行。話雖炙手可熱,股價不會輕易受負面問題所困擾,但投資者在賺錢之餘,也要注意這些銀行在處理危機時的態度。

事緣中國工商銀行(1398)的網站出現了相當嚴重的保安漏洞,隨便一個只懂得JavaServer Pages技術的人,都可將銀行網站改到十分好笑,甚至製造公眾恐慌都得。原來,該行在其網站的hotspot.jsp網頁中,竟然容許顯示那些銀行內部資料庫所沒有的資料。任何人,只要在網址後頁加多?column=及任何用簡體字打出的中文字,網頁便會即時顯示你要的文字信息。

據禤中怡了解,一般銀行網站都會編寫Java Servlet,將銀行的資料庫系統,與網站介面之間作出分隔,免得黑客乘虛而入,偷竊銀行用戶的寶貴資料,中國工商銀行當然都不例外。

不過,當這件那麼「好玩」的消息傳開之後,就令中國網民玩個不亦樂乎,由「某明星好靚女」到「工商銀行停止業務」都有。有內地傳媒更引述網站竟打出「對不起,本行即將破產,請轉移存款!」等字樣,至於中國工商銀行的客戶服務人員表示,此連結是有人在搞惡作劇,並不是銀行系統的問題,之前也曾經出現過此類情況。

該工作人員還說道,對於此種情況,用戶可以關掉網頁,並重新登入銀行網站。用戶也可以繼續
使用網上銀行系統。香港金融管理局傳統教人防範假網站的方法,在這個個案上當然失效,因為網上聯繫(hyperlink)真的是在工商銀行的伺服器內,而在去年12月31日凌晨,這個問題都未有人糾正,亦沒有暫停伺服器運作。該行於該日才發聲明,聲稱發現不法分子將其網頁下載,並存儲在自己電腦後進行頁面信息修改後在某些網上論壇進行傳播,並指網站安全沒有受到影響。至於最後有幾多中國民眾因這個漏洞而被釣魚黨欺騙(即登入假網站內)就不得而知,最後該行是否需要賠償亦只有天曉得了。

工商銀行發生這件騎呢事件,對其股東來說,就一定不感到好笑,大家試想想,一間銀行的網站保安居然可以兒戲至此,試問存戶以至股東怎可能有信心呢?

禤中怡有些內地朋友已經話,一旦外資銀行在中國的分行可以接受當地人的人民幣存款,他們便會轉投外資銀行懷抱。至少不怕外資銀行網站容易遭黑客hack到。中國國有銀行想同海外大銀行競爭,先必處理好員工馬虎態度,否則,想競爭就真是「時機未到」了。

時間管理
正當禤中怡摩拳擦掌,準備在07年幹一番作為,希望有所獲利之際,卻在2006年的除夕前,出席了一個朋友的安息禮拜,明白時間質素和管理的道理,不禁要停下來想一想。

在該禮拜上,有人讀了聖經詩篇一段經文:「我們一生的年日是七十歲,若是強壯可到八十歲;但其中所矜誇的不過是勞苦愁煩,轉眼成空,我們便如飛而去」。

的確,在過去一年,相信各上班族和大商家也經歷了辛苦的日子,亦可能有人誇耀自己在投資方面的「豐功偉績」,畢竟賺錢像執豆般,如認購新股,湧入買國企股等,可以大談如何利用這一年拼命投資。但好像很少人說自己在過去一年用了多少時間陪伴家人,用了多少時間去做義工等。在該禮拜上,那位牧師也提出人們勞勞碌碌,甚至沒有想到未來,應重新思想人生等等。

禤中怡並非傳教,但在這新的一年,或者可以說是新的一日中,大家又有否為自己制定時間計劃,無看錯,的確是時間計劃,而非投資計劃,因為缺乏良好的時間管理,分分鐘連家庭都管理不好,又可怎樣掌握財富管理呢?正所謂修身、齊家、治國、平天下,例如大家有多少時間與家人一起呢?像每天調撥多少時間去投資呢?若果是你的工作和投資困着你,可能要思考一下了,因為時間有限,好好運用,必勝過買中中資金融股,免得「愛得太遲」!

(1月2日刊於《am730》)

9 Comments:

At 12:47 PM, Anonymous Anonymous said...

尋 blog 告示

煩請禤中怡代為尋 "港燦筆記" 遺誌,港燦人"走"了不要緊, 但起碼留下遺誌作紀念及"抄"考(參考更緊要, 他的網誌有很多 reference paper 及 links)

有勞

Thomas @ Central

 
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