基于SaaS模式的我国村镇银行信息化建设研究

发布时间：2018-03-31 13:35

本文选题：村镇银行　切入点：信息化　出处：《贵州财经大学》2013年硕士论文

【摘要】：作为建设新农村金融体系的重要组成部分,村镇银行的出现弥补了我国传统金融机构在农村地区金融服务供给不足的空缺,为服务“三农”问题所做出的贡献也正日益显现。本文的选题依据,是如何解决村镇银行信息化建设这一难题。信息化建设在当今社会发展中的重要地位毋庸置疑,特别是在资金数据密集的金融行业。对于具有一级法人机构资格的村镇银行来讲,选择一个优秀的信息化建设模式在提升银行竞争力上有着举足轻重的地位,村镇银行信息化建设势在必行。然而,村镇银行较之国有银行与大型股份制银行又有着先天的劣势,在规模、资本、市场定位等方面存在着先天不足,无法完全效仿已有经验与模式。在这个问题上国内的相关研究甚少,大多停留在传统商业银行信息化建设层面,缺乏对村镇银行这一新型农村金融机构的信息化模式研究。本文的写作,希望借鉴目前在我国蓬勃发展的中小企业信息化建设新模式—SaaS(软件即服务),从理论与实践两个层面进行分析研究,探讨得出将此种模式融入村镇银行信息化建设中的可行性。全文的论述主要分以下三大部分。第一部分包括文章的一、二两个章节,主要对目前村镇银行与银行信息化建设两个基本问题做理论阐述,进而对我国的相关现状进行分析总结,并列出了国内银行业信息化建设的四条传统路径。第二部分包含文章三、四两个章节内容,是全文的重点部分。第三章引出基于云计算的SaaS模式这一新兴信息化组建方案,通过其在我国中小企业应用的成功案例,总结SaaS模式特点。进而第四章对村镇银行信息化建设特征进行研究,从理论与实践两个层面探讨SaaS模式在解决村镇银行信息化问题上的合理性。第三部分也就是第五章的内容,分析村镇银行信息化建设采取SaaS外包模式所面临的风险,并从多个角度给出政策建议。
[Abstract]:As an important part of the construction of new rural financial system, the emergence of village banks has made up for the shortage of financial services provided by traditional financial institutions in rural areas.The basis of this paper is how to solve the problem of village bank information construction.There is no doubt that information construction plays an important role in the development of today's society, especially in the capital-intensive financial industry.For the village banks with the qualification of first-grade legal person institutions, it is imperative to choose an excellent information construction mode in order to enhance the competitiveness of banks.However, compared with state-owned banks and large joint-stock banks, village banks have inherent disadvantages, such as scale, capital, market positioning and so on, and can not completely emulate the existing experience and model.There are few related researches on this issue, most of them stay at the level of traditional commercial bank informatization construction, and lack of research on the information mode of village bank, a new type of rural financial institution.In this paper, I hope to draw lessons from the new model of information construction of small and medium-sized enterprises in our country-SaaS (software is service), from the theoretical and practical aspects of analysis and research,This paper discusses the feasibility of integrating this model into the informatization construction of village and town banks.The full text of the discussion is divided into the following three major parts.The first part includes one, two chapters of the article, mainly to the present village bank and the bank information construction two basic problems to do the theory elaboration, then carries on the analysis summary to our country correlation present situation.And has listed the domestic banking information construction four traditional paths.The second part contains three and four chapters, which is the key part of the paper.The third chapter introduces the SaaS model based on cloud computing, which is a new information construction scheme, and summarizes the characteristics of SaaS model through its successful application in small and medium-sized enterprises in China.Then the fourth chapter studies the characteristics of village bank informatization construction and discusses the rationality of SaaS model in solving the problem of village bank informatization from the two aspects of theory and practice.The third part is the content of the fifth chapter, analyzes the risk of adopting SaaS outsourcing mode in the informatization construction of village and town bank, and gives some policy suggestions from several angles.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.35

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