【摘要】：銀行業(yè)是發(fā)生風(fēng)險(xiǎn)頻率最高且影響最嚴(yán)重的行業(yè)之一,控制銀行風(fēng)險(xiǎn)已經(jīng)刻不容緩。銀行的風(fēng)險(xiǎn)有多種多樣,在互聯(lián)網(wǎng)噴發(fā)的時(shí)代,隨著銀行對(duì)其業(yè)務(wù)辦理自動(dòng)化越來越依賴,銀行的IT風(fēng)險(xiǎn)已經(jīng)逐漸被人們所認(rèn)知,防范銀行系統(tǒng)的風(fēng)險(xiǎn)已經(jīng)成為銀行開展各項(xiàng)業(yè)務(wù)的必備課程。一個(gè)評(píng)價(jià)良好的銀行信息系統(tǒng)首先要能滿足銀行當(dāng)下業(yè)務(wù)處理的基本功能,并且可靠穩(wěn)定安全的執(zhí)行；其次應(yīng)適應(yīng)不斷變化的國(guó)家各項(xiàng)政策法規(guī),客戶需求,來自競(jìng)爭(zhēng)對(duì)手的壓力等業(yè)務(wù)需求的不斷變更,具備可拓展性、配置靈活和平臺(tái)兼容性等特征；然后,在系統(tǒng)穩(wěn)定、交易安全的基礎(chǔ)上,增加對(duì)客戶的舒適性提升,自身的創(chuàng)新能力建設(shè),最終完成組織的不斷擴(kuò)大,戰(zhàn)略目標(biāo)的圓滿實(shí)現(xiàn)等不斷持續(xù)發(fā)展的優(yōu)性循環(huán)的目標(biāo)。本文通過運(yùn)用MBA課程中項(xiàng)目管理-風(fēng)險(xiǎn)管理的相關(guān)知識(shí),以某商業(yè)銀行的核心系統(tǒng)為背景,對(duì)系統(tǒng)的整個(gè)研發(fā)過程進(jìn)行詳細(xì)分析,將系統(tǒng)研發(fā)過程中潛在的風(fēng)險(xiǎn)盡可能的識(shí)別出來,并對(duì)這些潛在的風(fēng)險(xiǎn)進(jìn)行分析評(píng)估,最后針對(duì)每種風(fēng)險(xiǎn)找到解決的辦法,盡量在系統(tǒng)研發(fā)的各個(gè)階段執(zhí)行風(fēng)險(xiǎn)管控,盡量降低每個(gè)環(huán)節(jié)的風(fēng)險(xiǎn),甚至消除這個(gè)環(huán)節(jié)的某些風(fēng)險(xiǎn),避免銀行的各種損失。最后根據(jù)風(fēng)險(xiǎn)管理的實(shí)際情況將本次的風(fēng)險(xiǎn)管理過程進(jìn)行相應(yīng)的理論總結(jié),為以后的IT項(xiàng)目研發(fā)過程的風(fēng)險(xiǎn)控制提供指導(dǎo)和借鑒。
[Abstract]:The banking industry is one of the industries with the highest risk frequency and the most serious impact. It is urgent to control the bank risk. There are many kinds of risks in banks. In the era of Internet eruption, with banks becoming more and more dependent on their business automation, the IT risk of banks has been gradually recognized by people. Guarding against the risks of the banking system has become a necessary course for banks to carry out all kinds of business. A good bank information system should satisfy the basic function of the bank's current business processing, and carry out it reliably and safely. Secondly, it should adapt to the changing national policies and regulations, customer needs, pressure from competitors and other business needs, with the characteristics of expansibility, flexible configuration and platform compatibility. Then, on the basis of system stability and transaction security, we increase the comfort of customers, build their own innovative capacity, and finally complete the goals of continuous development, such as the continuous expansion of the organization, the successful realization of strategic objectives, and so on. By using the knowledge of project management-risk management in MBA course, this paper analyzes the whole research and development process of a commercial bank in detail, taking the core system of a commercial bank as the background. The potential risks in the process of system development are identified as far as possible, and these potential risks are analyzed and evaluated. Finally, solutions are found for each risk, and risk control is carried out at all stages of the system development as far as possible. Try to reduce the risk of each link, or even eliminate some of the risk, to avoid bank losses. Finally, according to the actual situation of risk management, the paper summarizes the risk management process in order to provide guidance and reference for the risk control of IT project research and development process in the future.
【學(xué)位授予單位】：北京化工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：TP311.5;F832.33

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本文編號(hào)：2414015