本文關(guān)鍵詞：建設(shè)銀行個(gè)人貸款系統(tǒng)運(yùn)行管理改進(jìn)研究　出處：《湖南大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

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【摘要】：改革開(kāi)放以來(lái)，尤其是進(jìn)入新世紀(jì)以來(lái)伴隨我國(guó)經(jīng)濟(jì)的強(qiáng)勢(shì)崛起和金融體制改革的穩(wěn)步推進(jìn)，以四大國(guó)有商業(yè)銀行為主體的我國(guó)金融機(jī)構(gòu)不斷加大改革力度，，順應(yīng)世界經(jīng)濟(jì)一體化和金融自由化的發(fā)展趨勢(shì)，始終以市場(chǎng)為導(dǎo)向以金融創(chuàng)新為抓手，以信息化建設(shè)為切入點(diǎn)，努力增強(qiáng)自身的核心競(jìng)爭(zhēng)力。然而由于種種原因，我國(guó)商業(yè)銀行的信息系統(tǒng)尤其是IT架構(gòu)也面臨一些突出性的瓶頸問(wèn)題，如缺乏應(yīng)對(duì)復(fù)雜形勢(shì)變化的先進(jìn)組件及設(shè)計(jì)以及針對(duì)日益增長(zhǎng)的信貸業(yè)務(wù)IT系統(tǒng)的靈活性支持明顯不足。本文正是基于這樣的時(shí)代背景，以建設(shè)銀行的個(gè)人貸款系統(tǒng)運(yùn)行管理為研究對(duì)象，通過(guò)系統(tǒng)分析建設(shè)銀行信息化建設(shè)的發(fā)展沿革以及存在的諸多現(xiàn)實(shí)問(wèn)題， 本文以我國(guó)國(guó)有商業(yè)銀行的代表即建設(shè)銀行的個(gè)人貸款系統(tǒng)運(yùn)行管理優(yōu)化為研究對(duì)象，在研究中堅(jiān)持理論分析和實(shí)證分析的有機(jī)結(jié)合，在積極借鑒美國(guó)、日本等西方發(fā)達(dá)國(guó)家金融機(jī)構(gòu)個(gè)貸業(yè)務(wù)IT項(xiàng)目先進(jìn)管理經(jīng)驗(yàn)的基礎(chǔ)上，緊密結(jié)合我國(guó)金融體制改革和商業(yè)銀行的具體實(shí)際，尤其是在關(guān)于建設(shè)銀行個(gè)人貸款業(yè)務(wù)IT項(xiàng)目發(fā)展沿革以及現(xiàn)狀問(wèn)題的實(shí)證調(diào)研和科學(xué)分析中，力求全面弄清建設(shè)銀行個(gè)貸業(yè)務(wù)信息化建設(shè)的瓶頸和問(wèn)題根源。最后，本文有針對(duì)性地提出了建設(shè)銀行個(gè)人貸款系統(tǒng)運(yùn)行管理的優(yōu)化對(duì)策及實(shí)施和保障措施，以便從根本上提高建設(shè)銀行的核心競(jìng)爭(zhēng)力，增強(qiáng)建設(shè)銀行的管理質(zhì)量和運(yùn)營(yíng)效益，不斷提升其在國(guó)內(nèi)和國(guó)際金融市場(chǎng)競(jìng)爭(zhēng)中的競(jìng)爭(zhēng)優(yōu)勢(shì)。 相對(duì)于同類(lèi)研究而言，本文研究具有十分重要的理論探索意義和實(shí)踐指導(dǎo)意義，可以說(shuō)本研究成果具有鮮明的時(shí)代特色和較強(qiáng)的針對(duì)性與實(shí)踐操作性。如果本文研究能夠在一定程度上促進(jìn)建設(shè)銀行的信息化建設(shè)并推動(dòng)其個(gè)貸業(yè)務(wù)系統(tǒng)運(yùn)行管理的水平提高，能夠在一定程度上為其他金融機(jī)構(gòu)的IT運(yùn)行管理提供有益的借鑒和范式參考，能夠在一定程度上提升我國(guó)金融機(jī)構(gòu)和金融體制改革的縱深發(fā)展本人將感到十分的欣慰。
[Abstract]:Since the reform and opening up, especially in the new century, with the strong rise of China's economy and the steady progress of the financial system reform, the four state-owned commercial banks as the main body of our financial institutions continue to increase the strength of reform. In line with the development trend of world economic integration and financial liberalization, we always take the market as the guide and financial innovation as the starting point, and take the information construction as the starting point. However, due to various reasons, the information system of Chinese commercial banks, especially IT architecture, also faces some prominent bottlenecks. For example, the lack of advanced components and design to cope with the complex situation changes and the obvious lack of flexibility support for the growing credit business IT system. This paper is based on such an era background. Taking the operation and management of the personal loan system of China Construction Bank as the research object, this paper systematically analyzes the development and evolution of the construction bank's information construction and many practical problems. In this paper, the representative of state-owned commercial banks, namely, China Construction Bank's personal loan system operation and management optimization as the research object, in the research adhere to the organic combination of theoretical analysis and empirical analysis, and actively learn from the United States. On the basis of advanced management experience of IT projects in financial institutions in western developed countries such as Japan and other western developed countries, the reform of our financial system and the concrete reality of commercial banks are closely combined. Especially in the construction bank personal loan business IT project development history and the current situation of empirical research and scientific analysis. Finally, this paper puts forward the optimization countermeasures and implementation and guarantee measures of the operation and management of the personal loan system of the Construction Bank in order to fully understand the bottlenecks and root causes of the construction bank's individual loan business information construction. In order to fundamentally improve the core competitiveness of China Construction Bank, enhance the management quality and operational efficiency of China Construction Bank, and constantly enhance its competitive advantage in the domestic and international financial market competition. Compared with the similar research, this study has a very important significance of theoretical exploration and practical guidance. It can be said that the research results have distinct characteristics of the times, strong pertinence and practical maneuverability. If the research in this paper can to a certain extent promote the informatization construction of China Construction Bank and promote the operation management of its individual loan business system. The level of reason is improved. To some extent, it can provide useful reference and paradigm reference for the IT operation management of other financial institutions. It will be very gratifying to be able to promote the in-depth development of financial institutions and financial system reform in China to a certain extent.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.2;F832.4

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