本文選題：村鎮(zhèn)銀行　切入點(diǎn)：信息化　出處：《貴州財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：作為建設(shè)新農(nóng)村金融體系的重要組成部分,村鎮(zhèn)銀行的出現(xiàn)彌補(bǔ)了我國(guó)傳統(tǒng)金融機(jī)構(gòu)在農(nóng)村地區(qū)金融服務(wù)供給不足的空缺,為服務(wù)“三農(nóng)”問(wèn)題所做出的貢獻(xiàn)也正日益顯現(xiàn)。 本文的選題依據(jù),是如何解決村鎮(zhèn)銀行信息化建設(shè)這一難題。信息化建設(shè)在當(dāng)今社會(huì)發(fā)展中的重要地位毋庸置疑,特別是在資金數(shù)據(jù)密集的金融行業(yè)。對(duì)于具有一級(jí)法人機(jī)構(gòu)資格的村鎮(zhèn)銀行來(lái)講,選擇一個(gè)優(yōu)秀的信息化建設(shè)模式在提升銀行競(jìng)爭(zhēng)力上有著舉足輕重的地位,村鎮(zhèn)銀行信息化建設(shè)勢(shì)在必行。然而,村鎮(zhèn)銀行較之國(guó)有銀行與大型股份制銀行又有著先天的劣勢(shì),在規(guī)模、資本、市場(chǎng)定位等方面存在著先天不足,無(wú)法完全效仿已有經(jīng)驗(yàn)與模式。在這個(gè)問(wèn)題上國(guó)內(nèi)的相關(guān)研究甚少,大多停留在傳統(tǒng)商業(yè)銀行信息化建設(shè)層面,缺乏對(duì)村鎮(zhèn)銀行這一新型農(nóng)村金融機(jī)構(gòu)的信息化模式研究。 本文的寫作,希望借鑒目前在我國(guó)蓬勃發(fā)展的中小企業(yè)信息化建設(shè)新模式—SaaS(軟件即服務(wù)),從理論與實(shí)踐兩個(gè)層面進(jìn)行分析研究,探討得出將此種模式融入村鎮(zhèn)銀行信息化建設(shè)中的可行性。 全文的論述主要分以下三大部分。 第一部分包括文章的一、二兩個(gè)章節(jié),主要對(duì)目前村鎮(zhèn)銀行與銀行信息化建設(shè)兩個(gè)基本問(wèn)題做理論闡述,進(jìn)而對(duì)我國(guó)的相關(guān)現(xiàn)狀進(jìn)行分析總結(jié),并列出了國(guó)內(nèi)銀行業(yè)信息化建設(shè)的四條傳統(tǒng)路徑。 第二部分包含文章三、四兩個(gè)章節(jié)內(nèi)容,是全文的重點(diǎn)部分。第三章引出基于云計(jì)算的SaaS模式這一新興信息化組建方案,通過(guò)其在我國(guó)中小企業(yè)應(yīng)用的成功案例,總結(jié)SaaS模式特點(diǎn)。進(jìn)而第四章對(duì)村鎮(zhèn)銀行信息化建設(shè)特征進(jìn)行研究,從理論與實(shí)踐兩個(gè)層面探討SaaS模式在解決村鎮(zhèn)銀行信息化問(wèn)題上的合理性。 第三部分也就是第五章的內(nèi)容,分析村鎮(zhèn)銀行信息化建設(shè)采取SaaS外包模式所面臨的風(fēng)險(xiǎn),并從多個(gè)角度給出政策建議。
[Abstract]:As an important part of the construction of new rural financial system, the emergence of village banks has made up for the shortage of financial services provided by traditional financial institutions in rural areas.The basis of this paper is how to solve the problem of village bank information construction.There is no doubt that information construction plays an important role in the development of today's society, especially in the capital-intensive financial industry.For the village banks with the qualification of first-grade legal person institutions, it is imperative to choose an excellent information construction mode in order to enhance the competitiveness of banks.However, compared with state-owned banks and large joint-stock banks, village banks have inherent disadvantages, such as scale, capital, market positioning and so on, and can not completely emulate the existing experience and model.There are few related researches on this issue, most of them stay at the level of traditional commercial bank informatization construction, and lack of research on the information mode of village bank, a new type of rural financial institution.In this paper, I hope to draw lessons from the new model of information construction of small and medium-sized enterprises in our country-SaaS (software is service), from the theoretical and practical aspects of analysis and research,This paper discusses the feasibility of integrating this model into the informatization construction of village and town banks.The full text of the discussion is divided into the following three major parts.The first part includes one, two chapters of the article, mainly to the present village bank and the bank information construction two basic problems to do the theory elaboration, then carries on the analysis summary to our country correlation present situation.And has listed the domestic banking information construction four traditional paths.The second part contains three and four chapters, which is the key part of the paper.The third chapter introduces the SaaS model based on cloud computing, which is a new information construction scheme, and summarizes the characteristics of SaaS model through its successful application in small and medium-sized enterprises in China.Then the fourth chapter studies the characteristics of village bank informatization construction and discusses the rationality of SaaS model in solving the problem of village bank informatization from the two aspects of theory and practice.The third part is the content of the fifth chapter, analyzes the risk of adopting SaaS outsourcing mode in the informatization construction of village and town bank, and gives some policy suggestions from several angles.
【學(xué)位授予單位】：貴州財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.35

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