Independent R&D Software Project Lifecyle Management For Small And Medium Sized Banks Supported By Comprehensive Risk Management Framework

Along with the sustainable development of china banking informatization, the deeper integration of information technology and banking business, the degree of small and medium-sized banks’ dependence on information technology is significantly enhanced. The safety, reliability and stability of software system is directly related to the whole development of small and medium-sized Banks and the stability of the financial system. Information technology didn’t only promote the development of the business, but also increased the risk of software development at the same time. In June2011, the China banking regulatory commission issued "the guidance of China banking regulatory science and technology information development plan during "the twelfth five-year"", clearly put forward the requirement during "the twelfth five-year", to use scientific and technological innovation to promote the business change, to make efforts to improve the level of information technology independent innovation, to strengthen the total risk management and infrastructure construction, in order to meet the bank business development strategic target.In response to the CBRC "the twelfth five-year development plan","independent innovation and comprehensive risk management", combining theory with practice, study and put forward the comprehensive risk management framework oriented whole life cycle management system of small and medium-sized banks independent research project, and combining the information project of Shandong city business bank union for application.This topic in view of the characteristics of the small and medium-sized Banks application software system development and of risk management, through to the research of banking industry comprehensive risk management framework and the theory of software engineering, explore the model, method and practice of the total informationization project life cycle risk control, put forward a kind of the whole life cycle of software management system based on risk management and the key guiding ideology for independent research, and get verification in the important information project in Shandong city business union. Management system has been clear about the software life cycle every stage of the access and exit conditions, put forward the risk identification principle and basis of the small and medium-sized bank independent research projects in the approval, demand, research and development, testing, production and operations in the whole life cycle of; List the risk need to identify, evaluate, gives a series of risk control means; Put forward the control strategy of the key field in software research management, introduce the whole process of quality assurance and quality control, apply the advanced third generation of the unified change management (UCM) model. Through the application in the development of Shandong city business union application system, we carried out of the application practice of this topic research, introduces the practice in important information system approval, demand, research and development, testing, production, operations and information assets management, put forward the key guiding ideology of the small and medium-sized bank independent research, verify the management framework puts forward by this project.The research and practice of this projectprovide a basis and demonstrationfor independent research of small and medium-sized Banks.small and medium-sized Banks can use the results of the studyto improve project management, risk management and technologyresearch in independent research, and will play a great role in promotingthe development of independent research of small and medium-sized banks.