商业银行核心业务电子化整合-MBA专业论文.docxVIP

OOSM090杨宇浩 OOSM090杨宇浩 商业银行核心业务l乜予化整合研究 ABSTRACT After China formally joined WTO，Chinese commercial banks are facing the cruel competition and strict challenge from the entrance of foreign banks．They must adjust and change their developing stratagem actively and strengthen their management efficiency to accommodate the rapid changes of the financial market． The article figures out that Chinese commercial banks must enhance their financial computerizing operation ability of the kernel business to establish the basic competitive power regarding the information technology as one of the most important productivity．The financial computerizing of commercial banks is a system engineering which concerns management ideas．kernel business，organization and risk controlling．Based on the management，operation and kernel business of modern commerciaI banks．the article presents some fundamentaI theories and methods of financial computerizing resources integration in the field，which cover data management．technology governance and project management．From the case study of Shanghai Pudong Development Bank which is a typical shareholding commercial bank．integrated general framework analysis of commercial banks’ kerneI business delineated．The kerneI business operation system and the integrated credit risk management system should be carried into execution as a prior selection．The kernel business operation system iS foundation of the financiaf computerizing resources integration and the integrated credit risk management system is kernel focus in commercial banks which is the combination of credit risk rating，portfolio management and personal credit scoring．Some financial computerizing risks have been discussed at last part of the article The theories， methods and practices are expounded together and the manipulation ls the foCUS of the presentation binding the implement tactics，demand analysis and organization planning discussed in details，as well as executive procedures． Some conte