银行后台处理服务外包由供应商引发的风险研究
发布时间：2019-04-11 12:20
【摘要】：近年来,全球金融服务外包飞速发展,外包战略已成为银行增强自身竞争实力的重要选择。银行业服务外包规模与发展潜力巨大,与此同时服务的外包也给银行的整体战略和运营带来了极大的风险。现实的状况是,发达国家和国际组织高度重视银行业服务外包的监管,而我国的监管制度建设严重滞后。国内外学术界的相关研究存在明显的不足。 为了深入研究供应商引发的银行业服务外包风险,首先分析了银行业服务外包的运作机理和不同的外包模式,总结了银行业服务外包的特点。针对服务外包过程中存在的信息不对称和代理问题,分析了供应商引发风险的来源。归纳出六种重要风险。在银行和监管机构评估供应商引发风险的重要性的基础上,通过比较选择风险矩阵法对外包风险进行了定量分析,利用Borda序值法对银行业服务外包风险的重要性进行了排序,进一步识别了影响银行服务外包的关键风险是由供应商引发的风险。为了更精确的定量分析,将供应商引发的风险细分为19类,利用模糊评价法,构建了供应商风险的评价指标体系,为定量分析供应商风险和监管提供了科学依据。 其次,运用金融监管理论分析了政府监管银行业服务外包供应商风险的动因和必要性,对不同的监管主体对供应商的监管作用进行理论分析,并分析了监管的必要性。通过监管,加大惩罚力度,可以降低供应商的期望效用,有利于银行服务业外包市场稳定发展。 最后,通过以上分析,对银行后台处理服务外包监管制度建设的相关问题进行了分析,并提出建议(1)提出了监管部门应运用分现场检查和现场检查手段对银行业服务外包法规的执行情况、外包业务开展情况进行监督控制。(2)对政府监管的成本和收益影响不同,监管模式的选择取决与所在国家或地区的政治体制、经济发展水平和金融业的结构等因素。(3)根据理论分析,借鉴相关国家和国际组织的监管经验,提出了银行后台处理服务外包监管制度建设的建议。
[Abstract]:In recent years, with the rapid development of global financial service outsourcing, outsourcing strategy has become an important choice for banks to enhance their competitive power. The scale and development potential of banking service outsourcing is huge. At the same time, the outsourcing of banking services also brings great risks to the overall strategy and operation of banks. The reality is that developed countries and international organizations attach great importance to the supervision of banking service outsourcing, while the construction of supervision system in China lags behind seriously. There are obvious deficiencies in the relevant research of domestic and foreign academic circles. In order to deeply study the risk of banking service outsourcing caused by suppliers, this paper first analyzes the operation mechanism and different outsourcing modes of banking service outsourcing, and summarizes the characteristics of banking service outsourcing. Aiming at the information asymmetry and agency problems in the process of service outsourcing, this paper analyzes the sources of risk caused by suppliers. Six important risks are summed up. On the basis of evaluating the importance of supplier-induced risk by banks and regulators, this paper makes quantitative analysis of outsourcing risk by comparing and selecting risk matrix method, and sorts the importance of banking service outsourcing risk by using Borda sequential value method. It further identifies that the key risk that affects the outsourcing of banking services is the risk caused by the supplier. In order to make a more accurate quantitative analysis, the risk caused by suppliers is subdivided into 19 categories. The fuzzy evaluation method is used to construct the evaluation index system of supplier risk, which provides a scientific basis for quantitative analysis of supplier risk and supervision. Secondly, using the theory of financial supervision, this paper analyzes the motivation and necessity of government supervision of the risk of banking service outsourcing suppliers, analyzes the role of different regulators in the supervision of suppliers, and analyzes the necessity of supervision. Through supervision and punishment, the expected utility of suppliers can be reduced, which is beneficial to the steady development of the outsourcing market of banking services. Finally, through the above analysis, the paper analyzes the problems related to the construction of the supervision system of the backstage processing service outsourcing of the bank. And put forward the suggestion (1) put forward the supervision department should use the on-site inspection and on-the-spot inspection means to implement the banking service outsourcing laws and regulations. (2) the influence on the cost and benefit of government supervision is different, and the choice of supervision mode depends on the political system of the country or region in which the government is located, and (2) the influence on the cost and benefit of government supervision is different. The level of economic development and the structure of financial industry and other factors. (3) according to the theoretical analysis, referring to the supervision experience of the relevant countries and international organizations, this paper puts forward some suggestions on the construction of the supervision system for backstage processing service outsourcing of banks.
【学位授予单位】：中国科学院大学(工程管理与信息技术学院)
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F752.68;F832.3
本文编号：2456402
[Abstract]:In recent years, with the rapid development of global financial service outsourcing, outsourcing strategy has become an important choice for banks to enhance their competitive power. The scale and development potential of banking service outsourcing is huge. At the same time, the outsourcing of banking services also brings great risks to the overall strategy and operation of banks. The reality is that developed countries and international organizations attach great importance to the supervision of banking service outsourcing, while the construction of supervision system in China lags behind seriously. There are obvious deficiencies in the relevant research of domestic and foreign academic circles. In order to deeply study the risk of banking service outsourcing caused by suppliers, this paper first analyzes the operation mechanism and different outsourcing modes of banking service outsourcing, and summarizes the characteristics of banking service outsourcing. Aiming at the information asymmetry and agency problems in the process of service outsourcing, this paper analyzes the sources of risk caused by suppliers. Six important risks are summed up. On the basis of evaluating the importance of supplier-induced risk by banks and regulators, this paper makes quantitative analysis of outsourcing risk by comparing and selecting risk matrix method, and sorts the importance of banking service outsourcing risk by using Borda sequential value method. It further identifies that the key risk that affects the outsourcing of banking services is the risk caused by the supplier. In order to make a more accurate quantitative analysis, the risk caused by suppliers is subdivided into 19 categories. The fuzzy evaluation method is used to construct the evaluation index system of supplier risk, which provides a scientific basis for quantitative analysis of supplier risk and supervision. Secondly, using the theory of financial supervision, this paper analyzes the motivation and necessity of government supervision of the risk of banking service outsourcing suppliers, analyzes the role of different regulators in the supervision of suppliers, and analyzes the necessity of supervision. Through supervision and punishment, the expected utility of suppliers can be reduced, which is beneficial to the steady development of the outsourcing market of banking services. Finally, through the above analysis, the paper analyzes the problems related to the construction of the supervision system of the backstage processing service outsourcing of the bank. And put forward the suggestion (1) put forward the supervision department should use the on-site inspection and on-the-spot inspection means to implement the banking service outsourcing laws and regulations. (2) the influence on the cost and benefit of government supervision is different, and the choice of supervision mode depends on the political system of the country or region in which the government is located, and (2) the influence on the cost and benefit of government supervision is different. The level of economic development and the structure of financial industry and other factors. (3) according to the theoretical analysis, referring to the supervision experience of the relevant countries and international organizations, this paper puts forward some suggestions on the construction of the supervision system for backstage processing service outsourcing of banks.
【学位授予单位】：中国科学院大学(工程管理与信息技术学院)
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F752.68;F832.3
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