两难困境中更需理性抉择

从城市信用社,到城市商业银行,再到区域性银行,国内中小银行的每一次业务转型,都经历了核心系统的升级改造,而每一次的升级改造带来的都是伤筋动骨式的变化。特别是近几年国内外金融环境的日趋多变和金融产品的日渐复杂,一些同行在新核心系统建设中不尽如人意的经历,给本已不堪重负的中小银行带来了沉重的压力和困惑:核心系统究竟做成什么样,哪种建设模式更适合自己。处在两难困境中的中小银行正在经受着从未有过的艰难抉择。

Call for rational choice in a dilemma

From city credit cooperatives and urban commercial banks to regional banks,domestic banks have experienced the upgrades of core systems for every business transition,which bring about drastic changes.In recent years,some fellow banks experienced various diffi culties during the construction of new core systems,which put heavy pressure on already-overburdened small and medium banks and raised a confusing problem: How are core systems really constructed? Which construction mode is more suitable? Faced with su...