山东省农村信用社信息科技风险管理研究

发布时间：2018-04-01 04:28

本文选题：山东省农村信用社　切入点：操作风险　出处：《山东大学》2012年硕士论文

【摘要】：山东省农村信用社实现了柜面业务电子化、电子渠道多样化,大大降低了经营成本,提高了业务运作效率。信息科技已经成为山东省农村信用社提升市场竞争力、提高金融业务创新能力及客户服务水平的有力支撑。近几年来,随着信息科技向智能化、流程化及集约化方向的发展,山东省农村信用社对信息科技的认识逐渐加深,对信息科技的投入不断增加,信息系统规模在不断扩大,信息科技风险的难测性和隐蔽性带来的风险越来越突出,信息科技风险潜存的威胁越来越严重。目前,山东省农村信用社信息科技风险管理水平仍处于初级阶段,在信息科技风险管理的管理理念、业务操作、技术平台以及人力资源配置等诸多方面都面临着巨大的挑战。因此,如何有效管理信息化过程中产生的信息科技风险,使现代化的信息科技更好地服务于业务发展,已经成为山东省农村信用社必须面对的重要课题。在新形势下,山东省农村信用社不断加强全员的信息安全教育,逐渐开展并重视信息安全风险评估及信息系统安全等级保护工作等,虽然在信息科技风险防范方面取得了一定成效,但与先进商业银行相比,信息科技风险管理需加大重视。本文借鉴国内外银行业信息科技风险管理的先进经验,根据山东省农村信用社信息科技发展现状、信息科技风险管理存在的问题及业务发展对信息科技的潜在要求,提出完善山东省农村信用社信息科技风险管理的建议和措施,以形成一套全面的信息科技风险防控体系,同时将信息科技风险纳入到全面风险管理框架中,形成对信息科技风险的内生抵御能力,从而逐步提高山东省农村信用社信息科技风险的管理水平,充分发挥信息科技的引领作用,促进业务战略、IT战略的协同,使信息科技真正成为山东省农村信用社稳健经营与大力发展的强大后盾。
[Abstract]:Shandong Rural Credit Cooperatives have realized electronic counter business, diversified electronic channels, greatly reduced operating costs and improved operational efficiency. Information technology has become Shandong Rural Credit Cooperatives to enhance market competitiveness. Improve the ability of financial business innovation and customer service level of strong support. In recent years, with the development of information technology in the direction of intelligence, flow and intensification, Shandong Rural Credit Cooperatives gradually deepen their understanding of information technology, invest more in information technology, and expand the scale of information system. The risks brought by the unpredictability and concealment of information technology risks are becoming more and more prominent, and the threat of information technology risks is becoming more and more serious. At present, the level of information technology risk management of rural credit cooperatives in Shandong Province is still in its infancy. The management concept, business operation, technology platform and human resource allocation of information technology risk management are facing great challenges. Therefore, how to effectively manage the information technology risks in the process of information technology, It has become an important subject for Shandong Rural Credit Cooperatives to make modern information technology better serve the development of business. Under the new situation, Shandong Rural Credit Cooperatives continuously strengthen the information security education of the whole staff, and gradually develop and attach importance to the information security risk assessment and information system security grade protection work, etc. Although some achievements have been made in information technology risk prevention, compared with the advanced commercial banks, the information technology risk management needs to be paid more attention. This paper draws lessons from the advanced experience of information technology risk management in the domestic and foreign banking industry. According to the current situation of information technology development in Shandong rural credit cooperatives, the problems existing in information technology risk management and the potential requirements of business development for information technology, the suggestions and measures to perfect the information technology risk management of Shandong rural credit cooperatives are put forward. In order to form a comprehensive information technology risk prevention and control system, at the same time information technology risk into the overall risk management framework, to form the information technology risk endogenous resistance, In order to gradually improve the management level of information technology risk of Shandong rural credit cooperatives, give full play to the leading role of information technology, promote the business strategy and IT strategy coordination, Make information science and technology become Shandong Province rural credit cooperatives steady management and strong development of a strong backing.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.35

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