The Cost And Benefit Analysis Of Bank Information Technology Investment

Information technology is widely applied in each domain of modern social life, including the banking industry, one of which information technology is earliest applied to. As early as information technology began to develop, information technology began to be applied to the banking industry. Since 1980, information technology is applied to the banking industry more widespread and thoroughly, and the banking starts the informational process.The banking industry has carried on the large-scale investment to the information technology.At the same time the speed of investment is also dramatic.The banking industry has become the high-tech industry which gathers calculator technique ,information technology and bank service in integral whole .Huge changes have happened in the traditional banking industry ,including the form of money ,service mode ,the structure of bank ,the management of bank and so on.These changes have exerted a major influence on the banking.With the information technology investment increases day by day, for information technology investment value evaluation demand is growing. In most cases, analyze the information technology investment of the organization's economic impact, is quite complex one task, now still did not explain this influence satisfactory quantity index system..This paper mainly adopts literature study, case studies and survey analysis and other methods, the organization of information technology investment evaluation problem as the research object, this paper systematically explores the information technology investment cost and benefit analysis of the theoretical basis and the commonly used method, and first used the balanced scorecard method on bank iris identification technology the costs and benefits of case studies. Specific include analysis system of strategic, users, process and development four Angle the balance between the causality, construct the system of the balanced scorecard four Angle and its corresponding evaluation refers to the system, and based on its index system designed questionnaire and collect relevant information, to collect the information data analysis comprehensive quantitative results obtained, and adopted the financial value appraisal method, choose economic evaluation index (NPV, the investment recoupment period, return on investment, cost effectiveness, etc.) to the information technology investment evaluation. Thus it can be concluded that the iris recognition technology in investment banking is feasible.Iris identification technology in information technology of iris feature extraction and coding algorithm is put forward his improved algorithm and verifies that iris identification technology is applied to bank through identity authentication security bank information safety. Finally, by analyzing the technology in the bank's investment extension of bank of China problems existing in the informatization Suggestions are put forward.