Research On Risk Management Of Guizhou ICBC Intelligent Network Construction Project

Nowadays,many financing institutions domestically and overseas explore how to construct“intelligent branch”,and they simulate the comprehensive application of a variety of new-type intelligent devices and the continual optimization of business process,in order to achieve the purpose of enhancing the operation efficiency of branches and improving customer experience.As a result of that the construction of intelligent branch,being distinguished from the traditional physical branch,is a complicated process of organization,building,implementation and management,a great number of uncertain,indistinct and random factors exist and constantly change during this period.Therefore,it requires a scientific and effective project risk management to promote reasonable cost inputs,qualified quality assurance and high-value application and outputs of intelligent branch construction projects.This paper took intelligent branch construction project of ICBC Guizhou Branch as the object of study,applying various theoretical methods and tools to conduct a systematical and deep research on the project.First of all,it introduced the background of intelligent branch construction of ICBC Guizhou Branch,and selected Branch D as the example for analyzing and concluding the risk characteristics of intelligent branch construction.Secondly,three risk identification methods:SWOT analysis,Brainstorming method and Delphi method were adopted to avoid one-sidedness,which is usually caused by using a single method to identify risks.Based on that,it sorted out 15 main risk factors involving strategy,policy,management and technology four aspects for the intelligent branch construction project,constituting the final project risks list.In addition,it applied a combination of qualitative analysis and quantitative analysis to evaluate risk probability,extent of injury and significance of the project,and concluded that there were 4 I-level risks,8II-level risks and 3 III-level risks in the intelligent branch construction project of ICBC Guizhou Branch.At last,it aiming at the risk factors of the project specifically formulated risk counter measures,and offered feasible recommendations on managing project risks to guarantee the project risk management to reach the expected goals.