Commercial Bank Informatization Construction And Business Innovation

It has become an increasingly urgent problem for commercial banks to leverage modern management methods to apply information management, so as to improve product and service quality, guard against potential business and moral hazard, and succeed in the increasingly competitive market.This paper applies theory and methodologies in the field of information construction, reviews the status quo of commercial bank information construction, and takes X Commercial Bank of F City as an example, and put forwards suggestions for it to improve its information construction. This paper holds that X Bank should place information construction in the core place, improve its business operation informationization mechanism, establish risk control mechanism and strengthen its input in product innovation, so as to reduce information asymmetry, improve its response speed, reduce the internal management fee and improve management efficiency and improve the capability to guard against financial risk.This paper hopes to provide beneficial reference for X Bank in its future development, and meanwhile act as guidance for other similar commercial banks engage in information construction.