【作者】 张云峰；

【导师】 林志杨；

【作者基本信息】 厦门大学 ， 工商管理， 2002， 硕士

【摘要】 随着中国正式加入WTO，我国银行业尤其是国有商业银行正面临外资银行的挑战。如何应对外资银行的挑战，各方有不同看法，但普遍认识到外资银行的竞争优势之一就是拥有符合现代商业银行管理方式和经营方式、适应激烈的市场竞争要求的信息技术支持手段。我国国有商银行经过十多年的建设，也基本建成了一套现代化的信息技术支持体系，但就银行业整体特别是四大国有商业银行的情况看，国有商业银行在信息技术的管理组织、应用水平和应用范围上与国外银行相比仍有不小差距。如何缩小信息技术应用差距，增强与外资银行在竞争中的实力已成为摆在国有商业银行面前的现实问题。针对这一问题，本文试图从信息技术在国内银行尤其是国有商业银行的应用历程，对比国外商业银行信息技术的应用历史和所发挥的作用来分析国有商业银行信息技术应用中存在的问题及其后隐含的国有商业银行管理体制及操作流程的不适应问题，对如何解决这些问题提出自己的一些看法。全文共分五章，第一章对国有商业银行信息化历程做简要阐述，第二章阐述国外商业银行信息化进程各阶段特点，比较与国有商业银行信息技术应用差异，第三章分析信息技术应用在国有商业银行中的作用，探讨信息技术应用对国有商业银行可以产生的作用，第四章对国有商业银行信息技术应用中存在的问题进行具体分析，第五章针对国有商业银行信息技术应用中存在的问题，探讨提高国有商业银行信息技术应用水平的对策。更多还原

【Abstract】 This paper provides a comparison between domestic banks,especially state-owned commercial banks,and foreign counterparts in terms of the history of the application of information technology and the role of information technology in their operations. Based on this comparison,this paper offers an analysis of the existing problems besetting state-owned commercial banks and the latent incompetence and deficiency in the management systems and operating procedures of the state-owned commercial banks,and proposes courses of actions for the domestic banks to give a better play to information technology in their future competition with foreign rivals.Chapter 1 is a brief summary of the history of digitalization of state-owned commercial banks. Chapter 2 elaborates on the features of different stages of the digitalization process of overseas commercial banks,and provides a comparison between domestic and foreign commercial banks in terms of the differences in the application of information technology. Chapter 3 expounds the specific application of information technology in state-owned commercial banks and explores the potential effect of the application of information technology on state-owned commercial banks. Chapter 4 offers a specific analysis of the existing system problems in the application of information technology in state-owned commercial banks. Chapter 5 proposes the solutions for improving the application of information technology in state-owned commercial banks.更多还原