請用此 Handle URI 來引用此文件:
http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/62608
標題: | 商業銀行資訊化建設和業務創新
—以X商業銀行F市分行為例 Information construction and business innovation of commercial banks---Use X bank F branch as an example |
作者: | Yun-Kui Chen 陳雲魁 |
指導教授: | 黃崇興(Chung-Hsing Huang) |
關鍵字: | 商業銀行,資訊系統,資訊化建設, Commercial Bank,Information Systems,Information Systems Construction, |
出版年 : | 2013 |
學位: | 碩士 |
摘要: | 如何以商業銀行價值創造和風險降低為核心,利用現代化管理手段來實施資訊化管理,提高服務效率,產品推陳出新,防控潛在的商務和道德風險,在日益激烈的競爭環境中制勝,已成為商業銀行一個需要持續關注和深入研究的問題。
本文運用資訊化建設相關理論和方法,系統梳理現有銀行業資訊化建設機制的現狀,並以X商業銀行F市分行為例,進行具體分析,對進一步改善資訊化建設機制提出可行性意見,認為X商業銀行應當從確立資訊化建設的核心地位、完善業務運行資訊化機制、建立風險防範系統及時回饋機制和加強銀行資訊化產品創新等方面著手,以實現節約銀行內部管理與市場訊息不對稱之間的成本,提高金融服務快速應對市場的能力,節約銀行內部管理費用,改善管理效率,提高抵禦金融風險能力。 本文雖然以X商業銀行資訊化建設過程中遇到的問題為背景,對X商業銀行未來的發展有一定的啟發作用,但是也同時希望對其它類似商業銀行的資訊化建設有所借鑒。 It has become an increasingly urgent problem for commercial banks to leverage modern management methods to apply information management, so as to improve product and service quality, guard against potential business and moral hazard, and succeed in the increasingly competitive market. This paper applies theory and methodologies in the field of information construction, reviews the status quo of commercial bank information construction, and takes X Commercial Bank of F City as an example, and put forwards suggestions for it to improve its information construction. This paper holds that X Bank should place information construction in the core place, improve its business operation information mechanism, establish risk control mechanism and strengthen its input in product innovation, so as to reduce information asymmetry, improve its response speed, reduce the internal management fee and improve management efficiency and improve the capability to guard against financial risk. This paper hopes to provide beneficial reference for X Bank in its future development, and meanwhile act as guidance for other similar commercial banks engage in information construction. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/62608 |
全文授權: | 有償授權 |
顯示於系所單位: | 臺大-復旦EMBA境外專班 |
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ntu-102-1.pdf 目前未授權公開取用 | 1.6 MB | Adobe PDF |
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