BC银行信息化战略研究

发布时间：2018-06-09 23:02

本文选题：商业银行 + SWOT分析　；参考：《贵州财经大学》2017年硕士论文

【摘要】：当前经营环境的变化和新技术的发展与运用对我国银行业信息化建设带来了新的机遇和挑战。以云计算、大数据为技术特征的新一代银行业务辅助技术快速向金融服务行业渗透,在提升银行系统工作效率的同时,为用户提供更高质量的服务。在经济全球化发展的背景下,各个银行致力于成为具有高盈利性、高安全性以及高流动性的企业,努力扩大市场份额,受金融监管力度的加大以及金融脱媒趋势的加深,商业银行面临业务模式、服务模式、企业管理模式的改革浪潮,以适应市场经济的发展,迎接金融脱媒带来的巨大冲击。银行通过推进信息化建设,能够帮助商业银行降低企业内耗,增强市场活性,优化业务处理流程,为客户提供更优质的服务,最终达到提升企业盈利能力的目的。BC银行在过去的二十年的发展历程中,对信息化战略的重视程度较高,并投入较多的人力物力进行企业信息化战略的转型,但从其信息化转型现状看,BC银行的信息化战略实施效果不尽如人意。本文通过深入的分析BC银行信息化战略中存在的问题,利用SWOT分析法以及关键成功因素法对BC银行的信息化战略进行全方位的分析,在发现BC银行信息化战略存在的问题的基础上,进行银行信息化战略效果与预期目标存在差异的原因进行发掘,探讨BC银行信息化战略的可行之路。分析结果表明,当前BC银行在信息化战略中,针对投资业务、财富管理业务、中小业务以及移动金融业务等关键系统中,信息系统的建立还不够充分,部分系统功能存在严重缺陷;从信息化建设现状看,当前信息化建设重点仍侧重于对2003年之前的信息化系统进行维护修补方面,无法适应快速的市场需求变化;从战略一致性方面看,BC银行的经营战略、业务组织框架等与信息化战略之间缺乏统一的架构支撑。综上所述,BC银行的信息化战略存在架构落后于业务流程与组织形式的问题,且信息化架构无法较好的支撑银行未来信息化的经营管理需求。基于上述分析,本文从物理层面、应用层面、智能层面对BC银行信息化战略的实施目标进行明确,制定出贴合BC银行实际的信息化战略策略体系,并对所制定信息化战略策略体系进行目标转移分析以及风险控制策略,为BC银行信息化战略的顺利实施提供参考。
[Abstract]:The change of management environment and the development and application of new technology have brought new opportunities and challenges to the construction of banking informatization in China. With cloud computing and big data as the technical feature, the new generation of banking assistant technology is rapidly infiltrating into the financial services industry, which can improve the efficiency of the banking system and provide higher quality services to users at the same time. In the context of economic globalization, banks are committed to becoming high-profit, high-security and high-liquidity enterprises, striving to expand market share, increased financial supervision and deepening the trend of financial disintermediation. Commercial banks are faced with the reform tide of business model, service mode and enterprise management mode in order to adapt to the development of market economy and to meet the huge impact brought by financial disintermediation. By promoting information construction, banks can help commercial banks reduce internal friction, enhance market activity, optimize business processes, and provide customers with better services. In the past twenty years, BC Bank has paid more attention to the informatization strategy and invested more manpower and material resources in the transformation of the enterprise information strategy. However, the implementation effect of BC Bank's informatization strategy is not satisfactory from the current situation of its informatization transformation. Through the in-depth analysis of the problems existing in the information strategy of BC Bank, this paper makes a comprehensive analysis of the informatization strategy of BC Bank by using the SWOT analysis method and the key success factor method. On the basis of finding out the problems existing in the information strategy of BC Bank, this paper explores the reasons for the difference between the effect of information strategy and the expected goal, and probes into the feasible way of the informatization strategy of BC Bank. The results show that the establishment of information system is not enough in the current information strategy of BC Bank, aiming at the key systems such as investment business, wealth management business, small and medium business and mobile finance business. From the current situation of information construction, the focus of information construction is still focused on the maintenance and repair of the information system before 2003, which can not adapt to the rapid changes in market demand. From the aspect of strategic consistency, there is a lack of unified framework support between the management strategy, business organization framework and information strategy of BC Bank. To sum up, the information strategy of BC Bank has the problem of lagging behind the business process and organizational form, and the information structure can not support the management needs of the bank in the future. Based on the above analysis, this paper makes clear the implementation goal of BC bank informatization strategy from the physical level, application level and intelligence level, and formulates the practical information strategy system of BC bank. The paper also analyzes the target transfer and risk control strategy of the information strategy system, which provides a reference for the successful implementation of the information strategy of BC Bank.
【学位授予单位】：贵州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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