China's Banking Industry Outsourcing Of Information Technology Risk Management Research

Outsourcing, to put it simply refers to the use of external resources to engage in those traditionally in-house staff and resources to deal with. Bank information technology outsourcing (IT outsourcing) is the bank's approach to the contract, provisions in the level of service based on the IT service providers entrusted to the bank to provide some or all of the necessary IT functions.Banking as early as age 70 involved in the outsourcing industry, but more rapid development in recent years. The banking industry to promote IT outsourcing for various reasons, are both external and internal factors. External cause is the revolution in information technology, financial liberalization, financial innovation; mainly due to cost, professional, core competence, financial and so on. Foreign banks compared with a long history of IT outsourcing, but the Bank of China's IT outsourcing is still in its infancy. At present, there are a number of domestic commercial banks have been under way or IT outsourcing attempt, but the level of application is variable.Outsourcing is a double-edged sword, bringing benefits at the same time contains a lot of risk. This article is mainly in the banking IT outsourcing risk management research. Risk management in general can be divided into risk identification, risk analysis and risk control. Bank of external IT risk from the bank, such as operational risk, the risk of personnel changes, the risk of run-in, but also from IT vendors risk, country risk, reputation risk, environmental risk, compliance risk, credit risk, and so on. IT outsourcing risk assessment process should fully take into account the core business processing systems outsourcing risks, including security, effectiveness and timeliness of response, system reliability and integrity of resources, information management rules in areas such as consistency of the Face the threat of banks should also be noted that IT technology, system architecture, design and control functions may be faced with risks.This article focuses on China's IT outsourcing for banks to control risk, examine the micro-banks of the main IT outsourcing risk control measures. To open the country to conduct cases of IT outsourcing, introduced the bank's internal risk control, and Hangzhou, a bank IT outsourcing, for example, specific analysis of the outsourcing decision-making in the overall risk control, with a view to promoting China's banking risk management learn to play a role.Finally, this article discusses the bank's IT outsourcing to external regulation. Through our existing IT outsourcing supervision of the banking system and the evaluation of the international outsourcing of the bank regulatory system to learn, to discuss the current stage of China's banking IT outsourcing industry's regulatory system construction. We should be formulated and enacted specifically regulate the banking rules and regulations of the IT outsourcing; there have put close to enhance market access; the establishment of banking supervision department of IT outsourcing and regulatory authority to monitor the process; introduction of preferential policies to promote the outsourcing industry in an orderly manner Healthy development.