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1、 Analysis of current situation of informatization of our country finance and development strategy Summary: In recent years, as the propulsion of global informatization process, informatization of our country finance got tremendous progress, but overall for, with the world advanced country still has
2、very big difference, the article is on the foundation that analyses current situation of domestic banking informatization, summarized the problem that exists at present, put forward to will develop strategic goal henceforth, provided a basis to develop further research of the strategy to informatiza
3、tion of our country finance. Keyword: Financial informatization; IT; Develop the strategyThe financial informatization of our country has taken 20 many year, huge success was gained below the effort that counting staff member of financial science and technology, from do not have have, from have esse
4、nce of life, reach a range by the dot, preliminary building mature and whole financial information system. Period develops in this paragraph, shaped of financial information chemical industry became the development pattern that superintends a branch to be core with financial company and industry, me
5、et in inspect of card of Chinese people bank, China namely, China keeps watch the leader that can wait for an industry to superintend an orgnaization issues silver-colored watch of meeting, China, each financial companies the actual condition according to oneself, define the development strategy of
6、financial informatization. But in this kind development mode falls, financial informatization job also is existing a few blind angle, namely a lot of strategical tasks are inextricability. Its main problem depends on, the constitutor of financial informatization strategy, can stand in the angle of f
7、inancial company only, perhaps go up in the height of relevant superintendency orgnaization, center eye morely in each enterprise interior or in the specific issue of industry interior. Go up as to the angle that develops from national economy society, how to plan the strategy that financial informa
8、tization develops, how to bring into play adequately, reasonable allocation all sorts of resource of the society, how to strengthen each enterprises and between each industries cooperate in coordination, how to determine unified, scientific level, how to avoid to repeat build and repeat the waste th
9、at develops pair of resource, it is the problem that solves urgently. One, financial informatization concept20 centuries since 90 time, it is the swift and violent development of the IT of core and global economic integration with Internet, affected international competition pattern and mankind deep
10、ly to live means. Below the historical setting that in this one huge economy development configuration changes to be changed with fundamental technology platform, china is facing new opportunity and challenge. From wider perspective system of research China banking reforms the overall strategy with
11、Chinese finance informatization, realize the conformity of financial information system, promote finance competition ability in the round, it is the real need that stimulative countryman economy grows continuously and answers a world. Financial informatization is to show each respects in financial b
12、usiness and financial administration apply contemporary IT, use finance and economic information resource thorough development, extensively, accelerate the process of financial modernization. This process is development, dynamic with what deepen ceaselessly. Financial informatization is a component
13、of national informatization, the informatization of it and whole society, with the informatization of other and macroscopical management department, closely related the informatization with dweller, enterprise, supplement each other. The drove next financial services and financial innovation to make
14、 modern economy nut of the IT that developing ceaselessly and economic globalization. 2, domestic banking informatization develops the current situationElectron of our country finance changes construction only then at 20 centuries 70 time, through “ 65 “ prepare, “ 75 “ found, “ 85 “ on dimensions,
15、“ 95 “ see effect, “ 15 “ the development phase that tackles key problem again, from do not have have, arrive as a child big, already formed the financial electron inside limits of a whole nation to change service system stage by stage. Main show is in the following respects: 1. The electron changes
16、 equipment to already was had quite dimensions ends by 1999, bank system has been configured large and medium-sized the computer is covered many times 700, small-sized machine is covered many times 6000, PC and server many 50, the electron changes business site to enclothe rate achieve 95% above. En
17、d by June 2001, each finance orgnaization installs automatic ATM in all (ATM)4.9 more than 10000, terminal of point of sales (POS)33.4 10 thousand. 2. Majority of national banking orgnaization already was finished inside majority of couplet net construction is national financial orgnaization is prel
18、iminary the construction that completed network of the couplet inside this system, the network covered the throughout the country all provincial capital cities and ground level city. Financial system and telegraphic branch cooperate, had built 250 many cities of join whole nation, a variety of infor
19、mation such as supportive speech, data, image are transmitted and the frame of financial data news report of a variety of communication agreements relays backbone net, the transmission of data of the finance that prop up. 3. Bank informatization already implemented scale(1) is preliminary the electr
20、on that builds countrywide limits clears a system. “85 “ during, people bank has built financial satellite special network and system of electronic couplet travel, already opened 1409 electrons couplet to send and receive a station all right now, covered the throughout the country all class city and
21、 1000 many develop county. 2000, countrywide transmit is gone to account more than 31.63 million, transfer accounts trade amount twenty-three thousand five hundred and forty-eight billion eight hundred million yuan. “95 “ period, national commercial bank completed respective electronic exchange syst
22、em basically, different ground of the client transfers accounts business can go to account inside 24 hours. Commercial bank and stockjobber transfer accounts through silver-colored card the trade that the system has news of Wu of negotiable securities account. (Business of 2) bank card grows quickly
23、. The electron pays a tool especially development of bank card business is swift and violent, to the end of September 2001, the whole nation shares hairpin orgnaization 55, hairpin gross exceeds 358 million pieces, issue international to block nearly 200 thousand pieces, the whole nation can accept
24、the bank site that the bank blocks to develop 130 thousand, business door already developed the specially invite such as the shop that can accept a bank to get stuck, guesthouse, restaurant 150 thousand, each finance orgnaization installs automatic ATM in all 51 thousand, terminal of point of sales
25、is close 35. Built a bank to block information to exchange total center and 18 cities bank to block information to exchange a center, in addition, center of Chinese finance attestation (CFCA) and pay gateway to had debutted, supported the development of the bank on the net and electronic business af
26、fairs. (Archives of the TV conference system that bank of 3) building people covers subbranch of a bank of downtown of countrywide all ground, electron transmits system, email system, improved the office efficiency of the Central Bank, in the State Council took the lead in realizing classics network
27、 conveyer in each ministries and commissions file of close red head. Credit registers advisory system to realize countrywide couplet net basically. The project in commercial bank data set and network banking service obtain striking progress. Chinese modernization pays a system to had thrown producti
28、on to try in partial city move, will improve efficiency of the liquidation between our country bank greatly, expedite capital flow, stimulative economy grows. 4. Insurance electron changes construction to gain revolutionary headway up to now, nearly 10 thousand countrywide insurance device were inst
29、alled efficient the interconnected system of computer science department that run, business of of all kinds insurance already came true on machine processing, day treating capacity is achieved tens of 10 thousand. In the whole nation 5000 many insurance become independent accounting unit deploy unif
30、ied financial management software, realized the high concentration of financial processing. In addition, be sure as the whole nation of 3 class network build with perfect, application of the insurance on of all kinds net also will have an essence progress. 5. Electron of negotiable securities course
31、 of study changed construction to come true to span electron of course of study of type development negotiable securities changed construction to come true to span on higher starting point type develops, with Shanghai, deep of two city stock exchange hold water for the mark, started the informatizat
32、ion construction of negotiable securities course of study, send through allowing real time prices, change without paper mandatory, computer is matched automatically and different ground trades a few phase such as central couplet net, already entered whole journey electron to change now trade mode, c
33、hange an electron to trade to already did business in the negotiable securities of countrywide each district without paper ministry promotion is used. Through effort of a few years, our country is preliminary already formed a muti_function, open financial informatization system, this comes true for
34、industry of our country banking by “ the electron is changed “ to “ informatization “ change, informatization of be in harmony of comprehensive real ready money laid solid foundation. 3, the difference of informatization of our country finance and developed countryAlthough construction of informatiz
35、ation of our country finance gained very great success, the application of the advanced technique keeps balance basically with abroad, but integrated degree and news service level and developed country photograph compare moving efficiency, information to still have bigger difference, basically refle
36、ct in the following respects: 1. The development direction that what strategy of financial informatization development studies fragile finance informatization develops strategic institute to want to solve is financial informatization and development strategy question, basically include: Science and
37、technology of politic to infrastructure construction, finance sees the New Year in the research of the respect such as mechanism of environment of system of service of news of system, finance and financial informatization support, organization government and talent drive mechanism. Our country compa
38、res weakness in the job of these respects, did not form research system. 2. The technical standard of financial informatization and business norm still do not perfect informatization of our country finance to build devoid overall planning, expression does not have clear direction in financial inform
39、atization construction, did not consolidate harmonious measure, put in a lot of repeatability to build. Technical standard and business norm also fail to form centralized system, and still cannot satisfy the requirement that conforms with international, online processing system also puts the busines
40、s of oneself of each finance orgnaization in interface and data standard skimble-scamble wait for a problem. These gave conformity of information exchange, system to bring difficulty not only, and form all sorts of safe hidden trouble extremely easily also. 3. Although industry of our country bankin
41、g built a respect to obtain many result in information system safety,the sex of on the safe side of financial information system rises urgently, but as a result of long-term since of development mix without foreword non-standard, and great majority hardware and software product use foreign technolog
42、y, because this our country shows some financial information systems,existence is worn a lot of safe hidden trouble. “9.11 “ the inspiration that incident also gives industry of our country banking profundity, must raise the sex of on the safe side of financial information system namely, what assure
43、 national economy lifeblood as far as possible is normal move. 4. Cross the industry, banking network that crosses a branch to have not form orgnaization of our country each finance to stem from the need that management, business extends, built oneself in succession inside couplet network system, bu
44、t each interagency has not realize interconnection each other to connect, affected financial information to share what serve a level with finance to rise. In addition, the network such as bank website and wealth tax, custom, insurance also did not realize interconnection each other to connect, diffe
45、rent economy branch, different travel cannot realize information to share between course of study, the state that macroscopical economy runs the country and the tendency that the society develops cannot receive fast report, what this affected national monetary policy and finance to superintend direc
46、tly is effective carry out. 5. Financial information system is compositive change rate not tall, the development that deepness analyses industry of banking of insufficient our country to serve a product and the applied lag that run message build the rapid development with business at information inf
47、rastructure. On one hand, the traditional financial information system that is core with business slants the processing of business of business accounting of accountant of overweight ark face, the appreciation finance that satisfies much territory of client of high administrative levels, individuati
48、on hard serves need, also get used to socioeconomy to develop hard pair of high quality, muti_function, all-around the requirement of the service; On the other hand, the compositive, analysis that lacks pair of many government information, client information, industry news to wait, mining and use, m
49、anage in credit asset quality, offer convenient financial service and modernization to pay settle accounts the respect such as the tool for the center with the client, put in bigger difference, because this causes unemployment of out of control of bank risk government, funeral,the innovation of product of Wu good luck, banking and service is not worth wait for a problem. 6. The financial innovation ability that is based on IT cant the IT that computer technology, communication techno
