中国银行业信息化问题探讨

中国金融业和银行业的发展举世瞩目。中国银行业的信息化之路走过了20年,实现了信息大集中、运营集约化、管理现代化和服务电子化。随着全球经济一体化、金融一体化的深入推进,中国的商业银行必须从银行信息化走向信息化银行,即在银行信息化的基础上真正实现融汇、贯通,促使银行业经营管理产生根本变化。具体说来,就是要集中、整合、共享、挖掘。一要转变为规模化、标准化的作业模式,实现业务集中处理,最终达到经营管理的全面集中和集约,使银行在业务量快速增长、业务复杂性大幅提高的情况下,依然保证业务运营的高质量、高效率,有效降低生产运营成本,控制经营风险;二要按照统一的信息技术架构将银行内部各管理系统全部整合到一个系统管理平台,实现各系统互联互通;三要突破信息传导和查控的限制,提高可用性和易用性;四要对银行或者企业非常需要的管理信息、客户信息、产品信息等进行收集、储存和处理,进行挖掘和归纳性梳理,充分利用有价值的信息,帮助管理者判断市场,发现价格,评估风险,配置资源,提供决策支持。中国银行业应在全球银行业剧变之时,为银行信息化建设走出一条新路。

Explore the Problem of Bank Informationization

The development of China’s financial and banking industry attracts worldwide attention.During the past 20 years,we have made great achievements in the informationization of China’s banking industry in terms of information aggregation,operation intensification,management modernization and service electronization.With the development of integrated global economy and finance,commercial banks in China should transfer from bank informationization to informationized bank in terms of aggregation,integration,sharing and exploration.China’s banking industry should,first,realize the aggregated and integrated operation and management to realize high quality,high efficient operation,low cost and effective risk control in the light of rapid growth of business and complex business;second,this industry should realize the interaction and interconnection among different systems;third,this industry should improve the availability and usability of information;fourth,this industry should collect,storage and process the information of management,customer and product that is of great significance to banks and enterprises,and take advantage of the valuable information to help the managers to make decision,discover price,evaluate risk,distribute resources and provide policy support.In the context of changes in global banking industry,China’s banking industry should develop on a new way of bank informationization.