【作者】 杨光；

【导师】 李兆友；

【作者基本信息】 东北大学 ， 公共管理（专业学位）， 2017， 硕士

【摘要】 小微银行是我国商业银行体系的重要组成部分,作为地方性法人,小微银行能够深入了解当地居民行为和需求,服务更专业、决策更迅速、产品更本地化,可以打造出特色金融产品,专注深耕当地实体经济和金融消费者。随着信息化和大数据时代的到来,信息科技与银行业金融机构的各项业务紧密结合,信息科技和信息系统对于银行的重要性日趋增长,信息科技监管已经成为银行业监管工作的重要环节。与其它领域相比,信息科技因其专业要求较高、影响范围大、事故危害严重,导致监管难度也就更大。本文通过调查研究法、文献研究法和定性分析法,论述了国内外银行业信息科技监管经验和特点,指出了小微银行信息科技监管研究在实际应用中的不足,再以朝阳市小微银行信息科技监管现状为背景,从实际工作出发,对朝阳市小微银行信息科技情况进行调查,归纳出小微银行存在信息科技治理职责履行不到位、未对信息科技进行全面持续的风险评估和审计、员工和终端信息安全管理不规范、信息科技外包管理松散混乱等共性问题,进而挖掘分析问题存在的根本原因,并提出了加大信息科技治理力度、建立信息科技风险控制和审计体系、强化信息安全管理、提升信息科技外包管理能力、优化信息科技监管行为等符合朝阳市小微银行实际情况、具有地方特色的监管对策。本研究认为,朝阳市小微银行受主观意愿和客观条件两方面的影响,落实信息科技监管政策尚不到位;监管部门与小微银行应各尽其职、加强联动,进一步提高信息科技监管的有效性,促进辖内小微银行平稳健康发展。更多还原

【Abstract】 Small and micro bank is an important component of China’s commercial banking system.As a local company,small and micro bank could take advantage of knowing the needs of local residents to provide more professional services,make decision more rapidly and localized,create unique financial products and focus on local economic entities and financial consumers.With the development of big data and digitization,the business of commercial bank has been connected closely with information technology,and the dependence of banks on information system increases with days,information technology regulation has become an important part of banking regulation.Compared with other areas,information technology is harder to supervise because of its influences and damages.According to investigating banks,reading literature and analysis.this paper discusses the experience and characteristics of information technology regulation in domestic and foreign banks,points out the disadvantages of information technology regulation research applying for small and micro bank.Based on the information technology regulation status of Chaoyang City,this paper concludes that there are some common problems in the small and micro banks,such as the governing of information technology,risk assessment and internal auditing,inf’ormation security and outsourcing management,and so on.The paper puts forward the localized countermeasures to strengthen the governing of information technology,establish risk control and audit system,enhance the capability of information security and outsourcing management and optimize the regulation of information technology.The study shows that small and micro banks in Chaoyang City implement information technology regulatory policy ineffectively because of their wills and abilities.Regulatory department and small and micro banks should fulfill their duty and enhance the linkage in order to improve the effectiveness of information technology regulation and protect small and micro banks from information technology threats.更多还原