银行投资考虑要点及具体的实施过程英文版).docx

How Financial Firms Decide on Technology ,介绍国际大银行在决定对信息技术投资时的考虑要点和 他们具体的实施过程。 How Financial Firms Decide on Technology (Abstract) The finan cial services in dustry is the major in vestor in in formatio n tech no logy(IT) in the U.S. economy; the typical bank spe nds as much as 15% of non-i ntereste expe nses on IT. A persiste nt finding of research into the performa nee of finan cial in stitutio ns is that performa nee and efficie ncy vary widely across institutions. Nowhere is this variability more visible than in the outcomes of the IT in vestme nt decisi ons in these in stituti ons. This paper prese nts the results of an empirical in vestigatio n of IT in vestme nt decisi on processes in the banking in dustry. The purpose of this investigation is to uncover what, if anything, can be learned from the IT investment practices of banks that would help in understanding the cause of this variability in performance along with poin ti ng toward man ageme nt practices that lead to better in vestme nt decisi ons. Using PC banking and the development of corporate Internet sites as the case studies for this investigation, the paper reports on detailed field-based surveys of in vestme nt practices in several leadi ng in stituti ons How Financial Firms Decide on Technology (Part One) 信息技术对金融服务业的影响正在增加，不仅仅表现在银行的 15%无息开支上，而且对金融服务业的运做和战略也有很强的影 响。 一个对金融机构的长期研究表明，不同的机构的效率和表现也不同。其决定的因素有以下一些其中的一个因素就是对投资 的决定和管理。SBS是一个失败的例子，但是成功的公司也不少。本文注重解答以下的问题: .银行对IT投资的评估和管理过程？ .在对IT的管理过程中，理论和实际操作的结合如何? . IT投资的管理和银行性能的关系如何？ 1.0 In troduction In formatio n tech no logy(IT) is in creas in gly critical to the operatio ns of finan cial services firms. Today banks spe nd as much as 15% of non-i nterest expe nse on in formatio n tech no logy. It is estimated that the in dustry will spe nd at least $21.1 billion on IT in 1998, and financial institutions collectively account for the majority of IT inv estme nt in the U.S. economy. In addit on to being a large comp onent of the cost structure, i nformatio n