论国有商业银行信息技术创新战略——基于数据大集中环境下的分析

信息技术创新是国有商业银行信息化建设高级阶段的主要目标,是数据大集中后国有商业银行信息化建设的根本方向。数据大集中是银行信息化基础性建设阶段完成后的必然结果,为国有商业银行信息技术创新战略的实施提供了平台。信息技术创新的主要功能是提高国有商业银行客户关系管理、业务流程再造、产品开发、风险控制决策等战略管理的效率,从而增强国有商业银行的总体运营效率。

Strategies of Information Technique Innovation at National Commercial Banks

The information technique innovation is the main objective of national commercial banks in the information technique construction of the top level stage, and it is also the ultimate direction after completing data concentration. Data concentration is a necessary result to the banks after having completed the tasks in the period of basic information technique construction, which provides a terrace for these banks to carry out technique innovation strategies. As the main functions of information technique innovation is to enhance the running performance of ERP, CRM and risk control decision-making of national commercial banks, the banks＇efficiency of operation performance have been increased.