Reaearch On IT Risk Identification And Risk Assessment Of Financial Product Transformation Project

After entering in twenty-first Century, the system of commercial banks in our country havedeveloped from single bookkeeping developed into a bank integrated business system as the core,multi-channel integration management, application architecture set of Internet, mobile platform, theself-help service as one of the. Around with China’s banking industry and rapid development of theindependent controllable, sustainable development, technology innovation three strategicobjectives, scientific and technological innovation efforts. Banks in the continuous reform andinnovation of all kinds of financial products and services available, also gradually pay attention toand strengthen the construction of internal bank core competence and information technologycapabilities, to provide propulsion and powerful guarantee for the development of enterprises.Information technology in promoting the continuous development of science and technologyinnovation of bank information at the same time, it also brings the risk and security risk to thebusiness of commercial bank operation. Bank IT project risk management will directly affect thehealthy development of the bank, confidence and customer service. However, banks continuethrough information technology innovation of its business at the same time, as the developmentcycle is short, after the project schedule led to the plate in the test without sufficient will publish aprogram production, led to its own has to face the various defects caused by R&D IT systemproduction operation in the different risk events. These risk event, banking will be directly blocked,the attendant will be bank customers, the loss of bank assets loss, the bank reputation damage andother serious consequences.Therefore, in the bank IT system project development process, how to accurately identify risk;how to analyze, quantify the risk; how to deal with risk, when the risk does not appear, throughthe analysis and the scientific method, to reduce the probability of risk occurrence or the transferof risk, thereby reducing the loophole of the procedure; when the risk occurs, by using theappropriate the measures to solve the rapid response, thereby reducing the impact of risk on theproject as a whole, improve project delivery production quality, become the current topic worthyof study. In this paper, the renovation project in IT system of A bank as an example, a study in theIT project development process, how to carry on the risk identification and monitoring.