我国银行业信息技术外包的风险管理分析

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1、我困银行业信息技术外包的风险管理研究外包的行业规制建设。我们应该制定并颁布专门规范银行IT外包的规章制度；有放有收，加强市场准入；确立银行监管部门对IT外包的监管权限和监管程序；出台优惠政策，促进外包业有序健康发展。关键词：银行，信息技术外包，风险识别，风险控制，规制2我陶银行业信息技术外包的风险管理研究CHINA’SBANKINGINDUSTRYOUTSOURCINGOFINFORMATIONTECHNOLOGYRISKMANAGEMENTRESEARCHABSTRACTOutsourcing，toputitsimplyr

2、eferstotheuseofexternalresourcestoengageinthosetraditionallyin—housestaffandresourcestodealwith．Bankinformationtechnologyoutsourcing(IToutsourcing)isthebank’Sapproachtothecontract，provisionsinthelevelofservicebasedontheITserviceprovidersentrustedtothebanktoprovides

3、omeorallofthenecessaryITfunctions．Bankingasearlyasage70involvedintheoutsourcingindustry，butmorerapiddevelopmentinrecentyears．ThebankingindustrytopromoteIToutsourcingforvariousreasons，arebothextemalandinternalfactors．Externalcauseistherevolutionininformationtechnolo

4、gy，financialliberalization，financialinnovation；mainlyduetocost，professional，corecompetence，financialandSOon．ForeignbankscomparedwithalonghistoryofIToutsourcing，buttheBankofChina’SIToutsourcingisstillinitsinfancy．Atpresent，thereareanumberofdomesticcommercial3我困银行业信息

5、技术外包的风险管理研究bankshavebeenunderwayorIToutsourcingattempt，butthelevelofapplicationisvariable．Outsourcingisadouble—edgedsword，bringingbenefitsatthesametimecontainsalotofrisk．ThisarticleismainlyinthebankingIToutsourcingriskmanagementresearch．Riskmanagementingeneralcarlb

6、edividedintoriskidentification，riskanalysisandriskcontr01．BankofexternalITriskfromthebank，suchasoperationalrisk，theriskofpersonnelchanges，theriskofrun-in，butalsofromITvendorsrisk，countryrisk，reputationrisk，environmentalrisk，compliancerisk，creditrisk，andSOon．IToutso

7、urcingriskassessmentprocessshouldfullytakeintoaccountthecorebusinessprocessingsystemsoutsourcingrisks，includingsecurity，effectivenessandtimelinessofresponse，systemreliabilityandintegrityofresources，informationmanagementrulesinareassuchasconsistencyoftheFacethethrea

8、tofbanksshouldalsobenotedthatITtechnology，systemarchitecture，designandcontrolfunctionsmaybefacedwithrisks．ThisarticlefocusesonChina’SIToutsourcin