论入世后我国商业银行金融电子信息化的发展趋势

【作者】 刘晶；

【导师】 于首华；

【作者基本信息】 对外经济贸易大学 ， 企业管理， 2002， 硕士

【摘要】 2001年12月11日中国正式加入世界贸易组织（WTO）。加入这一组织，标志着我国市场的进一步开放，意味着我国将更多地参与经济全球化进程。作为我国国民经济的重要部门之一的银行业，如何在新的经济形势下抓住机遇、迎接挑战、提高自身竞争力？本文将力求回答这一问题。本文以我国加入WTO为切入点，以我国银行业的金融电子信息化发展为主线，立足本国国情，从一个新的视角分析国内银行业如何利用先进的信息技术手段应对外资银行竞争带来的挑战。本文内容主要分为三部分。首先，从我国加入WTO协议中有关金融业对外开放的承诺入手，介绍了我国加入WTO后，随着金融市场逐步放开，取消外资银行开展人民币业务的地域和客户服务等方面的限制对我国银行业的直接影响。通过中外银行间的实力对比可以看出，一方面国内商业银行的发展充满机遇，另一方面国内银行也将置身于更加激烈的竞争环境。我国银行业要想在经营管理经验、技术发展、金融产品创新、服务质量、降低经营成本等诸多方面提高竞争力在很大程度上取决于其金融电子信息化的发展程度。本文的第二部分介绍了全球及我国金融电子信息化的发展历程，着重分析网络银行与传统银行的比较优势，并列举了国外银行网络银行和我国网上银行应用实例。通过比较可以看出，中国的网络银行发展虽然与发达国家尚有一定的差距，但网络银行在我国银行业未来发展中的作用是不可忽视的——网络银行在电子商务时代成为现代银行竞争的重要战场和争取客户与市场资源的重要手段，谁能在网络银行建设方面取得领先地位，谁就能在竞争中取得主动。本文的第三部分介绍近期我国银行业信息化建设的主要任务，可以看出我国银行业的管理者已经意识到金融信息化建设在提高银行竞争力方面的重要作用。当然，在欣喜地看到我国金融信息化发展成就的同时，也不能回避在其发展过程中存在的主要风险及问题。针对这些可能遇到的风险和存在的问题，结合笔者工作实践经验及研究生课程的学习成果，提出了几点具体的实施举措。在上述分析的基础上，本文提出了在入世后我国银行业金融信息化建设、网络银行业务发展的实施举措：对网络银行未来发展做出细致规划；区分传统业务与网上业务，建立网上银行部门；加强与外资咨询管理公司的合作；抓紧人才培训，特<WP=6>别要重视网络银行业务方面的岗位培训；利用网上银行部进行产品研发；健全完善有关网络银行发展的法律法规；采取适当营销方式塑造银行在客户心中的市场价值。最后，本文对我国入世后银行业的金融信息化发展进行了总结：中国加入WTO后，国内银行业必须意识到是机遇与风险并存，未来金融业的发展将呈现出外资本土化、内资国际化、法制化、市场化、电子信息化的主要趋势。我们现在处于一个以电子信息化为特征的新经济时代，传统的商业银行如果不希望成为21世纪行将灭绝的“恐龙”，就必须充分利用金融电子信息化带来的种种机遇，促进自身的发展。金融信息化是我国银行业发展的必然选择，我国银行业只有加快金融业电子信息化建设步伐，在网上交易和服务领域方面发展，提高自身服务水平和竞争能力，才能从容应对新的挑战。更多还原

【Abstract】 China’s WTO entry on Dec.11, 2001 marks that our market will be more open to outside world and will play a more important role in the world economical globalization. China banking system, as one of the most important department, how to take opportunity, answer to the challenge and enhance its competitive capacity? Starting with China’s WTO accession and in accordance with the situation of China, this article will analyze from a new angle that China Banking how to reply to the challenge from foreign banking system. This article is mainly divided to three parts. From the commitment to open up the financial market in line with the WTO protocol, the first part of this article introduces us that the impact from the foreign banking system with the geographic and customer service restriction will be lifted gradually after China’s WTO entry. Through the comparison between the foreign and domestic banking system, we can note that on one hand, the domestic commercial banks will have many chances on its development, on the other hand, it will also face up the increasingly intense competition from foreign banks. To improve the competitive capacity of China banking on Management experience, technology development, financial product innovation, service quality and lowering the running cost lie in to a great extent the financial electronic informative level.It is introduced in the second part of this article that the development history of foreign and domestic financial electronic informatization, in the mean time, emphatically analyzed the net bank’s competitive advantage over the traditional bank, and listed some running examples of foreign net banks and domestic net banks. By comparing the foreign and domestic net banks, we can find that the domestic net banks play a very important part in the whole domestic banking system, although it far lagged behind the foreign net banks. "In the electronic business age, net banks have become the very important contribution to attract more customers and market shares. The bank who is in the lead of construction of net bank will surely gain the initiative in the competition."In the third part of this article, it is introduced that the main object of construction of<WP=8>financial informatization，from with we can gather that the construction of financial informatization is instrumental in improving the competitive capacity. Granted, the financial informatization has got a lot of achievement in the construction of financial informatization, but we should not ignore the risks and problems which could occur on the way of development. In view of the above situation, we proposed several solutions from our working experience and achievements in our postgraduate course study.On the basis of above analysis, this article present some solutions on the construction of China banking financial informatization: Making detailed plan on the construction of net bank; Constructing net bank department; enhancing the human resource training, especially the human resource of net bank; preceding the development of new product; amplifying necessary laws and regulations on developing net bank; taking suitable methods to portray a good image among the customers. At the end of this article, the development of the financial informatization is summarized: After the China’s WTO entry, the domestic banking must realize that the risks and chances will exist side by side during the development of China banking, which will present a tendency of localization of foreign capital, internalization of domestic capital, legalization, marketing and electronic informatization. Nowadays, we are in a new economic era featured electronic informatization，if the traditional commercial bank don’t want to be the "dinosaur" of the new century, it must take advantage of all kinds of chances brought from the financial electronic informatization to develop itself. Financial informatization is becoming the inevitable choice for the development of China banking, and China banking will be able to answer更多还原