BC Bank Informationization Strategy Research

The change of the current business environment and the development of new technology and use of banking informationization in our country brings new opportunities and challenges.With big data,cloud computing,mobile Internet as a representative of a new generation of information technology such as swell,and quickly fusion penetration to the financial sector,financial and other new forms has given rise to the Internet.At the same time,the global economic and financial integration deepening,increasingly strict new financial regulatory reform,the domestic financial disintermediation(refers to in the case of financial regulation,the money supply to bypass system of commercial Banks,directly to the demand side and the issuer,complete the extracorporeal circulation of funds)and interest rate marketization accelerating evolution,commercial Banks are facing management mode,business operation mode,the changes and the impact of customer service mode,must speed up the transformation of the mode of development,promote the sustainable development of the information to the information from the bank the new strategy.BC Banks in the developing course of the past two decades,high degree of attention to the informatization strategy,and put more resources into the transformation of enterprise informatization strategy,but look from the information-based transformation present situation,the BC bank informatization strategy implementation effect is not satisfactory.In this article,through in-depth analysis of the BC bank problems existing in the informatization strategy,using the SWOT analysis method and the critical success factor method to carry on the omni-directional analysis BC bank informatization strategy,the discovery of the BC bank,on the basis of problems existing in the informatization strategy for bank informationization strategy effect and the reason why there are differences between the target to discover,explore the feasible way to BC bank informatization strategy.Analysis results show that the current BC bank in informatization strategy,aimed at small and medium-sized business and investment banking,wealth management business,mobile financial services such as key in the system,the establishment of information system is still inadequate,part of the system function exists serious defects;From the informationization construction present situation,the current informatization construction key before 2003 is still focused on the maintenance repair aspects of information system,and can't adapt to the rapid changes in market demand;In terms of strategic consistency,BC bank management strategy,business organization framework and informatization strategy between the lack of a unified architecture to support.To sum up,the BC bank informatization strategy exist architecture behind the business process and organization form,and information architecture can't better shoring up the Banks information management requirements in the future.Based on the above analysis,this article from the physical level,application level and intelligent level of the implementation of the strategy of BC bank information clear goals,to develop a joint BC bank informatization strategic strategy of actual system,and the strategy system of informatization strategy target transfer analysis and risk control strategy,provide a reference for the smooth implementation of BC bank informatization strategy.