某商业银行核心银行系统研发风险管理研究
发布时间：2019-01-23 16:48
【摘要】：银行业是发生风险频率最高且影响最严重的行业之一,控制银行风险已经刻不容缓。银行的风险有多种多样,在互联网喷发的时代,随着银行对其业务办理自动化越来越依赖,银行的IT风险已经逐渐被人们所认知,防范银行系统的风险已经成为银行开展各项业务的必备课程。一个评价良好的银行信息系统首先要能满足银行当下业务处理的基本功能,并且可靠稳定安全的执行；其次应适应不断变化的国家各项政策法规,客户需求,来自竞争对手的压力等业务需求的不断变更,具备可拓展性、配置灵活和平台兼容性等特征；然后,在系统稳定、交易安全的基础上,增加对客户的舒适性提升,自身的创新能力建设,最终完成组织的不断扩大,战略目标的圆满实现等不断持续发展的优性循环的目标。本文通过运用MBA课程中项目管理-风险管理的相关知识,以某商业银行的核心系统为背景,对系统的整个研发过程进行详细分析,将系统研发过程中潜在的风险尽可能的识别出来,并对这些潜在的风险进行分析评估,最后针对每种风险找到解决的办法,尽量在系统研发的各个阶段执行风险管控,尽量降低每个环节的风险,甚至消除这个环节的某些风险,避免银行的各种损失。最后根据风险管理的实际情况将本次的风险管理过程进行相应的理论总结,为以后的IT项目研发过程的风险控制提供指导和借鉴。
[Abstract]:The banking industry is one of the industries with the highest risk frequency and the most serious impact. It is urgent to control the bank risk. There are many kinds of risks in banks. In the era of Internet eruption, with banks becoming more and more dependent on their business automation, the IT risk of banks has been gradually recognized by people. Guarding against the risks of the banking system has become a necessary course for banks to carry out all kinds of business. A good bank information system should satisfy the basic function of the bank's current business processing, and carry out it reliably and safely. Secondly, it should adapt to the changing national policies and regulations, customer needs, pressure from competitors and other business needs, with the characteristics of expansibility, flexible configuration and platform compatibility. Then, on the basis of system stability and transaction security, we increase the comfort of customers, build their own innovative capacity, and finally complete the goals of continuous development, such as the continuous expansion of the organization, the successful realization of strategic objectives, and so on. By using the knowledge of project management-risk management in MBA course, this paper analyzes the whole research and development process of a commercial bank in detail, taking the core system of a commercial bank as the background. The potential risks in the process of system development are identified as far as possible, and these potential risks are analyzed and evaluated. Finally, solutions are found for each risk, and risk control is carried out at all stages of the system development as far as possible. Try to reduce the risk of each link, or even eliminate some of the risk, to avoid bank losses. Finally, according to the actual situation of risk management, the paper summarizes the risk management process in order to provide guidance and reference for the risk control of IT project research and development process in the future.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.5;F832.33
本文编号：2414015
[Abstract]:The banking industry is one of the industries with the highest risk frequency and the most serious impact. It is urgent to control the bank risk. There are many kinds of risks in banks. In the era of Internet eruption, with banks becoming more and more dependent on their business automation, the IT risk of banks has been gradually recognized by people. Guarding against the risks of the banking system has become a necessary course for banks to carry out all kinds of business. A good bank information system should satisfy the basic function of the bank's current business processing, and carry out it reliably and safely. Secondly, it should adapt to the changing national policies and regulations, customer needs, pressure from competitors and other business needs, with the characteristics of expansibility, flexible configuration and platform compatibility. Then, on the basis of system stability and transaction security, we increase the comfort of customers, build their own innovative capacity, and finally complete the goals of continuous development, such as the continuous expansion of the organization, the successful realization of strategic objectives, and so on. By using the knowledge of project management-risk management in MBA course, this paper analyzes the whole research and development process of a commercial bank in detail, taking the core system of a commercial bank as the background. The potential risks in the process of system development are identified as far as possible, and these potential risks are analyzed and evaluated. Finally, solutions are found for each risk, and risk control is carried out at all stages of the system development as far as possible. Try to reduce the risk of each link, or even eliminate some of the risk, to avoid bank losses. Finally, according to the actual situation of risk management, the paper summarizes the risk management process in order to provide guidance and reference for the risk control of IT project research and development process in the future.
【学位授予单位】：北京化工大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：TP311.5;F832.33
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