论云计算及其在银行业的运用前景

发布时间：2018-04-02 22:21

本文选题：云计算　切入点：银行业　出处：《财政部财政科学研究所》2012年硕士论文

【摘要】：近几年来,云计算在我国的发展可谓风起云涌。云计算被看作是互联网发展的第三个里程碑,将会给公众的生产、生活以及社会运作方式带来巨大变革。对于IT企业来说,云计算代表着发展的新方向,意味着市场新机会,堪称未来兵家必争之地；对于地方政府来说,云计算是谋求经济发展方式转变的突破口之一,有望成为地方经济健康发展的新增长点。同时,就国际竞争而言,在云计算领域,我国与西方发达国家处于同一起跑线,努力发展则可能跻身世界一流,拥有核心优势。云计算(cloud computing)是基于互联网的相关服务的增加、使用和交付模式,通过互联网来提供动态易扩展的虚拟化资源。它不是一种新技术,而是一种获取资源和服务的创新商业模式。它能够实现对IT资源的动态调配,提升和简化IT管理,把IT资源作为标准化服务呈现出来。云计算模式具有数据存储安全性高、终端简单、按需提供服务、存储和计算潜能无限等等特点。随着外资银行进入我国,并且在业务创新和服务上迅速建立起口碑,我国的银行开始思变。其根本就是银行业务的创新,支撑它的则是IT服务的优化。近年来,中小银行响应国家政策的号召纷纷建立,为地方经济建设的发展提供了强有力的金融支持。但是,中小银行缺钱少人,在信息化的建设上常常力不从心。在时代变革的驱使下,迅速增长的业务形式及不断扩张的数据吞吐量使银行的IT系统面临重重挑战。而云计算,无疑为解决这些难题提供了一种新的方式。云计算模式的推出将为银行带来降低成本、降低风险、增强数据分析能力、缩短运行时间和响应时间等等竞争优势。银行业的特殊性使其在新技术面前,始终采取谨慎的态度。他们提出了这样的问题：云是否适合在银行业中使用?云计算给银行业带来了什么?“云”安全吗?针对这些问题,除去引言和结论外,论文分为以下章节展开论述。第2章首先阐述了云计算的基本概念、特点及分类,然后回顾了云计算的发展历程,最后深入分析了云计算在国内外的发展现状。第3章主要介绍了银行业信息化建设的要求及信息化发展现状。首先深入分析了银行业这个特殊行业对信息化建设的要求；其次介绍了银行业在当今激烈的市场竞争中所面临的困境；最后总结了银行业信息化发展的现状,提出了在银行业运用云计算是提升其竞争力、推动其改革的一个可靠方式。第4章首先阐述了云计算为银行业的发展所能带来的优势；其次通过分析大中小型商业银行应用云计算的核心诉求,提出大型银行宜用私有云、中小型银行可采用“公有云”这一观点；再次,总结了各类商业银行探索云计算的共同出发点：最后提出制约云计算在银行业运用的几个问题。第5章深入详细地分析了澳洲西太银行邮件服务外包案例,总结出该案例对中国银行业云计算应用的启发和借鉴意义。第6章提出了本文的主要结论：我国各类商业银行根据自身的资源能力及特点,对云计算服务的应用有不同的出发点。大型银行可以通过搭建“私有云”来确保数据传输的安全,而中小型银行可以采用“公有云”,将部分或者全部业务外包,无需一次性投入巨资建设IT系统。最后,针对目前实际情况,提出一些在银行业安全运用云计算的对策建议。
[Abstract]:In recent years, the development of cloud computing in China is raging like a storm. Cloud computing is regarded as the development of the Internet third milepost, will give the public the production, life and social operation brought great changes. The IT enterprise, cloud computing represents a new development direction, means that the market opportunity is the future of the military a hotly contested spot; as for the local government, cloud computing is one of seeking a breakthrough in the transformation of economic development mode, the healthy development of the local economy is expected to become a new growth point. At the same time, the international competition, in the field of cloud computing, China and western developed countries in the same starting line, may be among the world's development efforts first, have the core advantage.
Cloud computing (Cloud Computing) is related to an increase in service based on the Internet, the use and delivery mode, to provide a dynamic and scalable virtualized resources via the Internet. It is not a new technology, but a kind of access to resources and services of the business model innovation. It can realize the dynamic allocation of IT resources, improve and simplify IT management, the IT resources as the standard service rendered. Cloud computing data storage mode has high safety, simple terminal, provide on-demand services, storage and computing potential and so on.
With the entry of foreign banks in China, and innovation in the business and services quickly established a reputation, Chinese banks began to think of change. It is simply the innovation of banking business, it is the support of optimizing IT services. In recent years, small and medium-sized banks in response to the call of the national policy have established, to provide strong financial support for the development of local economy. However, small and medium-sized bank money less, too often in the construction of information technology. Driven by the changes of the era, the rapid growth of business forms and expanding the throughput of data bank's IT systems face many challenges.
The cloud computing, it provides a new way to solve these problems. The launch of the cloud computing model for banks to reduce costs, reduce risk, enhance the ability of data analysis, shorten the operation time and response time and so on competitive advantage. The special nature of the banking industry in the face of new technology, always take a cautious attitude they raised the question of whether the cloud is suitable for use in the banking industry? Cloud computing bring to the banking industry what? "Cloud" safe? To solve these problems, besides the introduction and conclusion, the paper is divided into the following chapters to discuss.
The second chapter first describes the basic concepts, characteristics and classification of cloud computing, then reviews the development process of cloud computing, and finally analyzes the current development of cloud computing at home and abroad.
The third chapter mainly introduces the current situation of the development of banking informatization and informatization requirements. First in-depth analysis of the requirements of the informatization construction of the special industry of banking; followed by the introduction of the banking industry in the fierce competition in the market dilemma; finally summarizes the actuality of informatization development of banking industry, the banking industry in the use of cloud computing is to enhance its competitiveness, a reliable way to promote its reform.
The fourth chapter introduces that cloud computing can bring to the development of the banking industry's advantage; core demands of small and medium-sized commercial banks, followed by analysis of the application of cloud computing, the large banks should use private cloud, small and medium-sized banks can adopt this view of "public cloud"; thirdly, summarizes all kinds of commercial banks to explore common view point cloud computing. Finally puts forward several problems which restrict the application of cloud computing in the banking industry.
The fifth chapter analyzes the case of mail service outsourcing in Australia West Bank, and summarizes the inspiration and significance of this case to Chinese banking cloud computing application.
The sixth chapter puts forward the main conclusions of this paper: all kinds of commercial banks in China according to its own resources and characteristics, the application of cloud computing services have different starting point. The large banks can ensure the security of data transmission through the platform of "private cloud", the small and medium-sized banks can use the "public cloud", or part of all outsourcing, no one-time invested heavily in the construction of IT system. Finally, according to the actual situation, put forward some calculation in banking security using cloud countermeasures.

【学位授予单位】：财政部财政科学研究所
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

【引证文献】