本文選題：商業(yè)銀行 + SWOT分析�。� 參考：《貴州財經(jīng)大學(xué)》2017年碩士論文

【摘要】：當(dāng)前經(jīng)營環(huán)境的變化和新技術(shù)的發(fā)展與運(yùn)用對我國銀行業(yè)信息化建設(shè)帶來了新的機(jī)遇和挑戰(zhàn)。以云計算、大數(shù)據(jù)為技術(shù)特征的新一代銀行業(yè)務(wù)輔助技術(shù)快速向金融服務(wù)行業(yè)滲透,在提升銀行系統(tǒng)工作效率的同時,為用戶提供更高質(zhì)量的服務(wù)。在經(jīng)濟(jì)全球化發(fā)展的背景下,各個銀行致力于成為具有高盈利性、高安全性以及高流動性的企業(yè),努力擴(kuò)大市場份額,受金融監(jiān)管力度的加大以及金融脫媒趨勢的加深,商業(yè)銀行面臨業(yè)務(wù)模式、服務(wù)模式、企業(yè)管理模式的改革浪潮,以適應(yīng)市場經(jīng)濟(jì)的發(fā)展,迎接金融脫媒帶來的巨大沖擊。銀行通過推進(jìn)信息化建設(shè),能夠幫助商業(yè)銀行降低企業(yè)內(nèi)耗,增強(qiáng)市場活性,優(yōu)化業(yè)務(wù)處理流程,為客戶提供更優(yōu)質(zhì)的服務(wù),最終達(dá)到提升企業(yè)盈利能力的目的。BC銀行在過去的二十年的發(fā)展歷程中,對信息化戰(zhàn)略的重視程度較高,并投入較多的人力物力進(jìn)行企業(yè)信息化戰(zhàn)略的轉(zhuǎn)型,但從其信息化轉(zhuǎn)型現(xiàn)狀看,BC銀行的信息化戰(zhàn)略實(shí)施效果不盡如人意。本文通過深入的分析BC銀行信息化戰(zhàn)略中存在的問題,利用SWOT分析法以及關(guān)鍵成功因素法對BC銀行的信息化戰(zhàn)略進(jìn)行全方位的分析,在發(fā)現(xiàn)BC銀行信息化戰(zhàn)略存在的問題的基礎(chǔ)上,進(jìn)行銀行信息化戰(zhàn)略效果與預(yù)期目標(biāo)存在差異的原因進(jìn)行發(fā)掘,探討B(tài)C銀行信息化戰(zhàn)略的可行之路。分析結(jié)果表明,當(dāng)前BC銀行在信息化戰(zhàn)略中,針對投資業(yè)務(wù)、財富管理業(yè)務(wù)、中小業(yè)務(wù)以及移動金融業(yè)務(wù)等關(guān)鍵系統(tǒng)中,信息系統(tǒng)的建立還不夠充分,部分系統(tǒng)功能存在嚴(yán)重缺陷;從信息化建設(shè)現(xiàn)狀看,當(dāng)前信息化建設(shè)重點(diǎn)仍側(cè)重于對2003年之前的信息化系統(tǒng)進(jìn)行維護(hù)修補(bǔ)方面,無法適應(yīng)快速的市場需求變化;從戰(zhàn)略一致性方面看,BC銀行的經(jīng)營戰(zhàn)略、業(yè)務(wù)組織框架等與信息化戰(zhàn)略之間缺乏統(tǒng)一的架構(gòu)支撐。綜上所述,BC銀行的信息化戰(zhàn)略存在架構(gòu)落后于業(yè)務(wù)流程與組織形式的問題,且信息化架構(gòu)無法較好的支撐銀行未來信息化的經(jīng)營管理需求�；谏鲜龇治�,本文從物理層面、應(yīng)用層面、智能層面對BC銀行信息化戰(zhàn)略的實(shí)施目標(biāo)進(jìn)行明確,制定出貼合BC銀行實(shí)際的信息化戰(zhàn)略策略體系,并對所制定信息化戰(zhàn)略策略體系進(jìn)行目標(biāo)轉(zhuǎn)移分析以及風(fēng)險控制策略,為BC銀行信息化戰(zhàn)略的順利實(shí)施提供參考。
[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.
【學(xué)位授予單位】：貴州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.2

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