Was ist das eigentlich? Cyberrisiken verständlich erklärt
Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.
Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.
Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.
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Exam Number : C1000-122
Exam Name : Db2 12 for z/OS DBA Fundamentals
Vendor Name : IBM
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C1000-122 test Format | C1000-122 Course Contents | C1000-122 Course Outline | C1000-122 test Syllabus | C1000-122 test Objectives
Exam Code: C1000-122
Exam Name: Db2 12 for z/OS DBA Fundamentals
Number of questions: 63
Number of questions to pass: 44
Time allowed: 90 minutes
Status: Live
Section 1: Planning (12%)
- Db2 12 system requirements and supported z/OS levels
- Processor requirements (z196 and later, z13, z14, z15, z16)
- Memory requirements and buffer pool planning
- Installation methods: SMP/E, DB2 Installation CLIST, new function mode (NFM), catalog migration
- Migration from Db2 11 or earlier versions, fallback and fallback SPE
- Enabling new function mode (ENFM), catalog changes in V12
- DSNZPARM (ZPARM) parameters relevant to installation
- Subsystem parameters (DSNTIJUZ, DSN6SYSP, DSN6ARVP, DSN6LOGP, DSN6SPRM)
- Buffer pool sizing and attributes (BP0 to BP49, BP32K, page sizes 4K, 8K, 16K, 32K)
- Use of zIIP processors for DB2 workload offloading
- High availability and disaster recovery planning (Data Sharing, HADR, GDPS)
- Distributed Data Facility (DDF) planning and DRDA
- Storage requirements and use of SMS, extended addressability
- Function levels in Db2 12 (V12R1M500, M501, M502, M505, etc.)
- DSNZPARM
- IRLM
- EDM pool
- RDS pool
- DDF
- ZPARM
- function level
- CATMAINT
- ENFM
- fallback SPE
- zIIP
- SMS
- extended addressability
- data sharing group
- coupling facility
Section 2: Working with SQL and XML (15%)
- Data types: CHAR, VARCHAR, INTEGER, DECIMAL, DATE, TIME, TIMESTAMP, CLOB, BLOB, XML
- Basic SQL: SELECT, INSERT, UPDATE, DELETE, MERGE
- Joins: inner join, left/right/full outer join, cross join
- Subqueries: scalar, correlated, non-correlated, EXISTS, NOT EXISTS
- Common table expressions (CTE), recursive CTE
- SQL functions: scalar (COALESCE, NULLIF, CASE), aggregate (SUM, AVG, COUNT, MIN, MAX), string functions
- Grouping and HAVING clause
- UNION, UNION ALL, INTERSECT, EXCEPT
- XML data type, XML columns, XML storage (XML tablespaces)
- XML parsing and validation (XMLPARSE, XMLVALIDATE)
- Querying XML with SQL/XML functions: XMLQUERY, XMLEXISTS, XMLTABLE
- XML indexes and XML schema registration (XSR)
- Dynamic vs static SQL, parameter markers, PREPARE, EXECUTE IMMEDIATE
- predicate
- sargable predicate
- stage 1 predicate
- stage 2 predicate
- indexable predicate
- XMLTABLE
- XMLEXISTS
- XMLQUERY
- XMLPARSE
- XSR (XML Schema Repository)
- pureXML
Section 3: Security (12%)
- Authentication methods: z/OS (RACF, ACF2, Top Secret), LDAP, Kerberos
- Authorization IDs: primary, secondary, role, trusted context
- DB2 privileges: SYSADM, SYSCTRL, SYSOPR, DBADM, DBCTRL, DBMAINT
- Object privileges: SELECT, INSERT, UPDATE, DELETE, ALTER, INDEX, TRIGGER, EXECUTE
- Administrative authorities: PACKADM, SQLADM, DATAACCESS, ACCESSCTRL
- Row and column access control (RCAC): row permissions, column masks
- Multilevel security (MLS) and security labels
- Audit policies and audit trace
- Trusted context and role-based access
- Encryption: data at rest (z/OS dataset encryption), in-flight (DRDA encryption), application-level encryption
- SECADM authority
- RACF
- SYSADM
- DBADM
- DATAACCESS
- ACCESSCTRL
- RCAC
- row permission
- column mask
- trusted context
- role
- SECADM
- audit policy
- multilevel security
Section 4: Operations (15%)
- Starting and stopping DB2: START DB2, STOP DB2, STOP DB2 MODE(FORCE)
- DISPLAY commands: DISPLAY DATABASE, DISPLAY THREAD, DISPLAY UTILITY, DISPLAY DDF
- DB2 commands: -START RLIMIT, -TERM UTILITY, -ALTER BUFFERPOOL, -REFRESH DB2
- Utility execution: RUNSTATS, REORG, COPY, RECOVER, LOAD, UNLOAD, REPAIR
- Online schema changes: ALTER TABLE, ALTER INDEX, pending changes
- Backup and recovery: image copies (full, incremental), QUIESCE, BACKUP SYSTEM, RESTORE SYSTEM
- Log management: active log, archive log, BSDS, log preformatting
- Monitoring: -DISPLAY LOG, -DISPLAY BUFFERPOOL, -ACCESS DATABASE
- BSDS
- active log
- archive log
- image copy
- QUIESCE
- online REORG
- pending definition
- materialization
- TERM UTILITY
- DISPLAY THREAD
- CANCEL THREAD
Section 5: Data Concurrency (14%)
- Locking: lock escalation, lock avoidance, lock modes (IS, IX, S, U, X)
- Isolation levels: CS (cursor stability), RS (read stability), RR (repeatable read), UR (uncommitted read)
- Claim and drain process
- Deadlock and timeout detection (IRLM parameters)
- Bind options: ACQUIRE(USE/ALLOCATE), RELEASE(COMMIT/DEALLOCATE), ISOLATION(CS/RS/RR/UR)
- Currentdata option and blocking
- Lock avoidance with CS and lock skipping
- LOB and XML locking behavior
- lock escalation
- lock avoidance
- claim
- drain
- deadlock
- timeout
- IRLM
- isolation level
- cursor stability
- read stability
- uncommitted read
- CURRENTDATA
Section 6: Application Design (15%)
- Bind options and package management
- REOPT(ONCE/ALWAYS/NEVER), PLANMGMT, APREUSE
- Static vs dynamic SQL performance considerations
- Use of global temporary tables (DGTT), declared temporary tables
- Sequence objects and identity columns
- Triggers: BEFORE, AFTER, INSTEAD OF
- Stored procedures: native SQL procedures, external procedures
- Versioning of packages (APPLCOMPAT)
- Concentration of packages and thread reuse
- High performance DBATs in DDF
- package
- collection
- version
- APPLCOMPAT
- REOPT
- PLANMGMT
- APREUSE
- DGTT
- sequence
- trigger
- native SQL procedure
- high performance DBAT
Section 7: Working with Database Objects (15%)
- Tablespaces: partitioned, universal (PBG, PBR), segmented, LOB tablespaces
- Indexes: unique, non-unique, partitioning index, index on expression, DPSI
- Index page sizes and compression
- Cloning tables and databases
- Temporal tables: system-period temporal, application-period temporal, bitemporal
- Views, materialized query tables (MQT), aliases
- Constraints: primary key, unique, foreign key, check constraint
- Storage groups (STOGROUP), volumes, VCAT vs SMS
- Altering objects: ALTER TABLESPACE, ALTER INDEX, deferred alters
- universal tablespace
- PBG
- PBR
- partition-by-growth
- partition-by-range
- DPSI
- expression-based index
- temporal table
- history table
- STOGROUP
- clone table
- pending alter
- immediate alter
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Warum sind Cyberrisiken so schwer greifbar?
Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.
Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyberattacken werden nur selten publiziert.
Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.
Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells
Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schadenszenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.
Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.
Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.
Nicht kriminelle Ursachen
Höhere Gewalt
Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.
Menschliches Versagen/Fehlverhalten
Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.
Technisches Versagen
Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.
Kriminelle Ursachen
Hackerangriffe
Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.
Physischer Angriff
Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hackerangriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.
Erpressung
Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hackerangriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.
Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:
Cyber-Kosten:
- Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
- Krisenkommunikation / PR-Maßnahmen
- Systemverbesserungen nach einer Cyber-Attacke
- Aufwendungen vor Eintritt des Versicherungsfalls
Cyber-Drittschäden (Haftpflicht):
- Befriedigung oder Abwehr von Ansprüchen Dritter
- Rechtswidrige elektronische Kommunikation
- Ansprüche der E-Payment-Serviceprovider
- Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
- Vertragliche Schadenersatzansprüche
- Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
- Rechtsverteidigungskosten
Cyber-Eigenschäden:
- Betriebsunterbrechung
- Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
- Mehrkosten
- Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
- Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
- Cyber-Erpressung
- Entschädigung mit Strafcharakter/Bußgeld
- Ersatz-IT-Hardware
- Cyber-Betrug
