【作者】 刘岩；

【导师】 毕新华；

【作者基本信息】 吉林大学 ， 工商管理（专业学位）， 2019， 硕士

【摘要】 企业信息化战略作为企业战略的重要组成部分,在满足企业经营需求的同时,可以帮助企业降低用工成本,提高企业运行效率,建立差异化竞争优势,最终实现企业战略目标。当今社会,随着互联网技术、信息科技不断取得突破,金融深化改革,推动了互联网与金融快速融合,促进了金融创新,提高了金融资源配置效率和金融服务质量。其中,互联网科技与汽车金融相结合,更是为普惠金融的发展提供更多的可能。车贷就是被普遍看好的互联网汽车金融的细分领域。由于车贷可标准化的程度较高,产权清晰、变现容易、流动性强,具备小而分散的特点,成为许多网络借贷平台业务布局的首选。互联网金融在2012-2016年经历了爆发式发展之后,逐渐暴露了在当前监管体制缺失的环境下行业存在的种种问题。国家监管部门相继出台了各种办法指引,政策法规,初步建立完善了监管制度及政策体系,目的是使网贷行业彻底告别“野蛮生长”,逐步进入有序发展的时代。然而一系列新规的出台对一大批互联网金融机构造成强烈冲击,许多平台不得不面临或者业务整改,或者业务转型,甚至良性退出的威胁。另外,在经历了互联网金融快速、野蛮式的发展阶段后,行业龙头早已形成,未来车贷行业巨头所形成的规模优势、资源优势、以及渠道壁垒,势必会压缩其他平台的发展空间,许多车贷平台面临转型和生存压力,行业的生存环境将更加艰难。国家从金融业健康发展全局出发,进一步推进金融改革和技术创新,促进互联网金融健康发展的时代大背景下,企业如何通过科技手段规避金融风险,合规健康发展,通过科技手段建立差异化竞争优势,以适应市场环境变化,就显得尤其重要。本文通过PEST分析法,波特五力模型分析法,从宏观、中观、微观的视角,对CD公司所处的宏观环境及行业环境进行了全面分析。结合目前CD公司在信息化建设中存在的问题,通过运用关键成功因素法(CSF)以及战略目标集转移法(SST)对企业整体战略目标的分析和整理,提出了信息化发展战略方案、实施保障及其风险防范,为企业信息化发展提供参考依据和决策支持。首先,本文分析了在金融强监管的行业大背景下,CD公司所处的宏观环境,行业环境,内部环境的变化给企业运营带来的影响。通过分析发现,由于内外部环境的变化以及客户行为习惯的变化,金融服务过程中呈现出信息透明,信息安全,高效便捷,系统化、自动化、流程化的特点。同时,为了降低逾期、违约、坏账带来的风险成本,企业需要加强前置风控水平,加强科技风控体系建设,将原本冗长低效的人工风控审核,逐步向科技化,智能化,大数据化方向发展。这些影响和企业信息化发展密切相关,需要重新审视企业信息化发展战略,以适应当前环境变化。其次,通过分析CD公司整体战略目标,使用关键成功因素法(CSF)以及战略目标集转移法(SST),明确实现CD公司整体战略目标的关键成功因素,并逐层分解,转化推导成信息系统战略,最后自下而上整理得出CD公司的信息化战略,以及实现信息化战略的关键核心系统建设。最后,为了保障CD公司信息化战略能够顺利实施,从实施保障,风险防范等方面,提出了一些建议和措施。更多还原

【Abstract】 As an important part of enterprise strategy,enterprise informatization strategy can help enterprises reduce labor cost,improve operation efficiency,establish differentiated competitive advantage,and finally achieve enterprise strategic goals while meeting enterprise business needs.In today’s society,with the continuous breakthroughs in Internet technology and information technology,financial reform has been deepened,which has promoted the rapid integration of the Internet and finance,promoted financial innovation,and improved the efficiency of financial resource allocation and the quality of financial services.Among them,the combination of Internet technology and automobile finance provides more possibilities for the development of inclusive finance.Car loan is generally optimistic about the Internet automotive finance segment.Due to the high degree of standardization,clear property rights,easy realization,strong liquidity and small and scattered characteristics,auto loan has become the first choice for many online lending platform business layout.After the explosive development from 2012 to 2016,Internet finance has gradually exposed various problems existing in the industry in the absence of the current regulatory system.National regulatory authorities have issued various guidelines,policies and regulations,initially established and improved the regulatory system and policy system,the purpose is to make the online loan industry to bid farewell to the "barbaric growth",and gradually enter the era of orderly development.However,the introduction of a series of new regulations has caused a strong impact on a large number of Internet financial institutions,and many platforms have to face the threat of business rectification,business transformation or even benign exit.In addition,after the Internet financial quickly and wild type after the stage of development,industry leading already formed,the future car loans formed by giant scale advantage,resource advantage,and channel barriers,is bound to compress other platform development space,many car loan platform facing transformation and survival pressure,industry environment will be even more difficult.Countries from the global financial industry healthy development,and further promote the reform of financial and technological innovation,promote the healthy development of the Internet financial era background,enterprise how to use technology to avoid financial risk,compliance healthy development,by means of science and technology to establish differential competitive advantage,to adapt to the changing market conditions,is particularly important.Through PEST analysis and porter’s five forces model analysis,this paper makes a comprehensive analysis of the macro environment and industry environment of CD company from the perspectives of macro,medium and micro.Combining the CD on the problems existing in the informatization construction,by using the key success factor method(CSF)and strategic goal set transfer method(SST)on the analysis of the enterprise overall strategic target and finishing,puts forward the informatization development strategy,the implementation of security and risk prevention,provides reference for development of enterprise information and decision support.First of all,this paper analyzes the impact of changes in the macro environment,industry environment and internal environment of CD company on enterprise operation under the background of strong financial supervision.Through the analysis,it is found that due to the changes of internal and external environment and customer behavior,the process of financial services presents the characteristics of information transparency,information security,efficiency and convenience,systematization,automation and process.At the same time,in order to reduce the risk cost caused by overdue,default and bad debts,enterprises need to strengthen the level of risk control in advance,strengthen the construction of scientific and technological risk control system,and gradually turn the long and inefficient manual risk control audit to the direction of science and technology,intelligence and big data.These influences are closely related to the development of enterprise informatization,and it is necessary to re-examine the development strategy of enterprise informatization to adapt to the current environmental changes.Secondly,through the analysis of CD company’s overall strategic goals,using key success factor method(CSF)and strategic goal set transfer method(SST),a clear implementation CD key success factors of company’s overall strategicobjectives,and decompose step by step,transformed into information system strategy is derived,finally from CD company informatization strategy from bottom to top,and the construction of key core system to realize the informationization strategy.Finally,in order to ensure the smooth implementation of the informatization strategy of CD company,some Suggestions and measures are put forward from the aspects of implementation guarantee and risk prevention.更多还原