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1、ITBooklets：OutsourcingTechnologyServices(美国FFIEC技术服务外包IT检查手册)IntroductionThefinancialservicesindustryhaschangedrapidlyanddramatically.Advancesintechnologyenableinstitutionstoprovidecustomerswithanarrayofproducts,services,anddeliverychannels.OneresuItofthesecha
2、n^esisthatfinancialinstitutionsincreasinglyrelyonexternalserviceprovidersforavarictyoftcchnology-rclatedservices.Generally,theterm"outsourcing"isusedtodescribethesetypesofarrangements.TheFederalFinancialInstitutionsExaminationCouncil(FFIEC)TnformationTechnolog
3、yExaminationHandbook(TTHandbook)/z0utsourcingTechnologyServicesBooklet"(booklet)providesguidaneeandexaminationprocedurestoassistexaminersandbankersinevaluatingafinancialinstitution'sriskmanagementprocessestoestablish,manage,andmonitorIToutsourcingrelationships
4、.Theabilitytocontractfortechnologyservicestypicallyenablesaninstitutiontoofferitscustomersenhancedserviceswithoutthevariousexpensesinvolvedinowningtherequiredtcchnologyormaintainingthehumancapitalrequiredtodeployandoperateit.Inmanysituations,outsourcingofferst
5、heinstitutionacosteffectivealternativetoin-housecapabilities.Outsourcing,however,doesnotreducethefundamentaJrisksassociatedwithinformcitiontechnologyorthebusinesslinesthatuseit.Riskssuchaslossoffunds,lossofcompctitivcadvantage,damagedreputation,improperdisclos
6、ureofinformation,andregulatoryactionremain.Becausethefunctionsareperformedbyanorganizationoutsidethefinancialinstitution,therisksmayberealizedinadifferentmannerthanifthefunctionswereinsidethefinancialinstitutionrcsultingintheneedforcontrolsdesignedtomonitorsuc
7、hrisks.Financialinstitutionscanoutsourcemanyareasofoperations,includingallorpartofanyservice,process,orsystemoperation.Examplesofinformationtechnology(TT)operationsfrequentlyoutsourcedbyinstitutionsandaddressedinthisbookietinelude:theorigination,processing,and
8、settlementofpaymentsandfinancialtransactions;informationprocessingrelatedtocustomeraccountcreationandmaintenance;aswellasotherinformationandtransactionprocessingactivitiesthatsuppo
