Research On Information Management Of Commercial Banks In Yunnan Provinc

The application of information technology has greatly promoted the management efficiency of banks.At the same time,new requirements have been put forward for the bank’s hardware facilities and software development,personnel management and risk prevention.The daily activities of banks need the help of information systems.Informatization directly affects the expansion and promotion of banking business and the management of banks.The development of big data,artificial intelligence,especially 5G technology has greatly promoted the business development of banks and impacted the traditional business of banks,but at the same time,the business of banks also puts forward new requirements for informatization.Extensive development is easy to occur in the process of information construction of banks.Banks pay more attention to business expansion and ignore information construction.Most bank information systems adopt single design around business needs,leading to decentralized information construction and management,which exists in the situation of "focusing on business construction and ignoring system planning".In the era of Internet information,the development of Internet banking and Internet financial business has brought new pressure on the development of traditional banking business.Banks are facing new challenges in customer expansion,such as the offline outlets of traditional banks.But with the rise of Internet banks,more and more banks are using the Internet to obtain customers,especially the prosperity of online financial products,The bank’s information construction needs to adapt to the needs of customers in the age of big data.Then,how to adapt to the new market environment and how to effectively upgrade the bank’s development model are the first issues that banks should consider on the road of survival and development in the Internet financial era.Therefore,effective information management has become the direction of commercial banks’ development.Based on the theory of informatization construction,this study takes Bank H in Yunnan Province as the research object,and adopts the method of empirical analysis to analyze the current situation of informatization management of Bank H,the situation of informatization management of Bank H using the theory of bank management and the theory of informatization management,the demand for informatization construction and the degree of informatization in the process of informatization management of Bank H,and the characteristics of informatization management of Bank H,According to the difficulties of current bank information management,we summarized and sorted out the main problems of H Bank’s information management,such as the lack of refinement of operational capacity,the need to improve product innovation,and the lack of advantages in efficiency improvement.In view of the existing problems,we put forward specific suggestions on information management of Bank H,such as building smart outlets,improving system construction,building multiple scenarios,accurately positioning customers,comprehensive risk monitoring,strengthening back office operations,promoting the "industry+technology" dual wheel drive,and paying attention to the construction of information talent team.In the process of informatization management of Bank H,it is necessary to deepen grassroots outlets,innovate technical services,seize the market and resources,constantly promote informatization management,open multiple channels,use advanced technology to meet customer needs,lay a large number of intelligent devices in outlets,and adjust the structure of staff,not only to meet customer experience,but also to improve efficiency,enrich products,and cultivate customer stickiness.Through the research on the informatization management of Bank H,it is of positive significance to upgrade the customer resource management system with the idea of informatization,build a digital banking financial ecosystem,innovate traditional banking business and management,and improve the efficiency of bank business handling.