【摘要】：近年來,全球金融服務外包飛速發(fā)展,外包戰(zhàn)略已成為銀行增強自身競爭實力的重要選擇。銀行業(yè)服務外包規(guī)模與發(fā)展?jié)摿薮?與此同時服務的外包也給銀行的整體戰(zhàn)略和運營帶來了極大的風險。現(xiàn)實的狀況是,發(fā)達國家和國際組織高度重視銀行業(yè)服務外包的監(jiān)管,而我國的監(jiān)管制度建設(shè)嚴重滯后。國內(nèi)外學術(shù)界的相關(guān)研究存在明顯的不足。 為了深入研究供應商引發(fā)的銀行業(yè)服務外包風險,首先分析了銀行業(yè)服務外包的運作機理和不同的外包模式,總結(jié)了銀行業(yè)服務外包的特點。針對服務外包過程中存在的信息不對稱和代理問題,分析了供應商引發(fā)風險的來源。歸納出六種重要風險。在銀行和監(jiān)管機構(gòu)評估供應商引發(fā)風險的重要性的基礎(chǔ)上,通過比較選擇風險矩陣法對外包風險進行了定量分析,利用Borda序值法對銀行業(yè)服務外包風險的重要性進行了排序,進一步識別了影響銀行服務外包的關(guān)鍵風險是由供應商引發(fā)的風險。為了更精確的定量分析,將供應商引發(fā)的風險細分為19類,利用模糊評價法,構(gòu)建了供應商風險的評價指標體系,為定量分析供應商風險和監(jiān)管提供了科學依據(jù)。 其次,運用金融監(jiān)管理論分析了政府監(jiān)管銀行業(yè)服務外包供應商風險的動因和必要性,對不同的監(jiān)管主體對供應商的監(jiān)管作用進行理論分析,并分析了監(jiān)管的必要性。通過監(jiān)管,加大懲罰力度,可以降低供應商的期望效用,有利于銀行服務業(yè)外包市場穩(wěn)定發(fā)展。 最后,通過以上分析,對銀行后臺處理服務外包監(jiān)管制度建設(shè)的相關(guān)問題進行了分析,并提出建議(1)提出了監(jiān)管部門應運用分現(xiàn)場檢查和現(xiàn)場檢查手段對銀行業(yè)服務外包法規(guī)的執(zhí)行情況、外包業(yè)務開展情況進行監(jiān)督控制。(2)對政府監(jiān)管的成本和收益影響不同,監(jiān)管模式的選擇取決與所在國家或地區(qū)的政治體制、經(jīng)濟發(fā)展水平和金融業(yè)的結(jié)構(gòu)等因素。(3)根據(jù)理論分析,借鑒相關(guān)國家和國際組織的監(jiān)管經(jīng)驗,提出了銀行后臺處理服務外包監(jiān)管制度建設(shè)的建議。
[Abstract]:In recent years, with the rapid development of global financial service outsourcing, outsourcing strategy has become an important choice for banks to enhance their competitive power. The scale and development potential of banking service outsourcing is huge. At the same time, the outsourcing of banking services also brings great risks to the overall strategy and operation of banks. The reality is that developed countries and international organizations attach great importance to the supervision of banking service outsourcing, while the construction of supervision system in China lags behind seriously. There are obvious deficiencies in the relevant research of domestic and foreign academic circles. In order to deeply study the risk of banking service outsourcing caused by suppliers, this paper first analyzes the operation mechanism and different outsourcing modes of banking service outsourcing, and summarizes the characteristics of banking service outsourcing. Aiming at the information asymmetry and agency problems in the process of service outsourcing, this paper analyzes the sources of risk caused by suppliers. Six important risks are summed up. On the basis of evaluating the importance of supplier-induced risk by banks and regulators, this paper makes quantitative analysis of outsourcing risk by comparing and selecting risk matrix method, and sorts the importance of banking service outsourcing risk by using Borda sequential value method. It further identifies that the key risk that affects the outsourcing of banking services is the risk caused by the supplier. In order to make a more accurate quantitative analysis, the risk caused by suppliers is subdivided into 19 categories. The fuzzy evaluation method is used to construct the evaluation index system of supplier risk, which provides a scientific basis for quantitative analysis of supplier risk and supervision. Secondly, using the theory of financial supervision, this paper analyzes the motivation and necessity of government supervision of the risk of banking service outsourcing suppliers, analyzes the role of different regulators in the supervision of suppliers, and analyzes the necessity of supervision. Through supervision and punishment, the expected utility of suppliers can be reduced, which is beneficial to the steady development of the outsourcing market of banking services. Finally, through the above analysis, the paper analyzes the problems related to the construction of the supervision system of the backstage processing service outsourcing of the bank. And put forward the suggestion (1) put forward the supervision department should use the on-site inspection and on-the-spot inspection means to implement the banking service outsourcing laws and regulations. (2) the influence on the cost and benefit of government supervision is different, and the choice of supervision mode depends on the political system of the country or region in which the government is located, and (2) the influence on the cost and benefit of government supervision is different. The level of economic development and the structure of financial industry and other factors. (3) according to the theoretical analysis, referring to the supervision experience of the relevant countries and international organizations, this paper puts forward some suggestions on the construction of the supervision system for backstage processing service outsourcing of banks.
【學位授予單位】：中國科學院大學(工程管理與信息技術(shù)學院)
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F752.68;F832.3

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