中国银行业信息化问题探讨

发布时间：2018-05-16 06:56

本文选题：银行业 + 信息化　；参考：《中国流通经济》2012年08期

【摘要】：中国金融业和银行业的发展举世瞩目。中国银行业的信息化之路走过了20年,实现了信息大集中、运营集约化、管理现代化和服务电子化。随着全球经济一体化、金融一体化的深入推进,中国的商业银行必须从银行信息化走向信息化银行,即在银行信息化的基础上真正实现融汇、贯通,促使银行业经营管理产生根本变化。具体说来,就是要集中、整合、共享、挖掘。一要转变为规模化、标准化的作业模式,实现业务集中处理,最终达到经营管理的全面集中和集约,使银行在业务量快速增长、业务复杂性大幅提高的情况下,依然保证业务运营的高质量、高效率,有效降低生产运营成本,控制经营风险;二要按照统一的信息技术架构将银行内部各管理系统全部整合到一个系统管理平台,实现各系统互联互通;三要突破信息传导和查控的限制,提高可用性和易用性;四要对银行或者企业非常需要的管理信息、客户信息、产品信息等进行收集、储存和处理,进行挖掘和归纳性梳理,充分利用有价值的信息,帮助管理者判断市场,发现价格,评估风险,配置资源,提供决策支持。中国银行业应在全球银行业剧变之时,为银行信息化建设走出一条新路。
[Abstract]:The development of China's financial and banking sectors has attracted worldwide attention. China's banking industry has been on the road of informatization for 20 years. It has realized information centralization, intensive operation, modernization of management and electronic service. With the deepening of global economic integration and financial integration, Chinese commercial banks must move from bank informatization to information banking, that is, on the basis of bank informatization, they must truly realize integration and penetration. To promote the banking industry management to produce a fundamental change. Specifically, it is to centralize, integrate, share, and excavate. First, it is necessary to change into a large-scale, standardized operation mode, to realize centralized business processing, and finally to achieve the overall centralization and intensification of operation and management, so that banks can rapidly increase their business volume and increase their business complexity by a large margin. To ensure the high quality and efficiency of the business operation, effectively reduce the production and operation costs, and control the operating risks; second, we should integrate all the internal management systems of the bank into a system management platform in accordance with the unified information technology framework. To realize the interconnection of various systems; third, to break through the restrictions of information transmission and inspection and control, and to improve usability and ease of use; fourth, to collect, store and process the management information, customer information and product information that banks or enterprises need very much. Mining and inductive combing, making full use of valuable information to help managers judge the market, find prices, assess risks, allocate resources, and provide decision support. China's banking industry should make a new way for the construction of bank informatization when the global banking industry changes dramatically.
【作者单位】：中国工商银行;
【分类号】：F832.2

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