哈尔滨工业大学工商管理硕士学位论文
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摘 要
在信息化飞速发展和市场竞争日趋激烈的大背景下，银行等金融机构将
有限的资源更多投向核心业务，获取市场竞争优势，作为银行各项业务有力
支撑的信息系统技术外包成为必然。我国银行信息系统技术外包起步晚，但
信息系统技术外包业务一经产生，便成为商业银行降低投资风险，增加竞争
优势的重要手段。由于商业银欧亿·体育（中国）有限公司务的特殊性，银行出于对信息系统安全性、
可靠性的考虑，在推进商业银行信息技术外包业务的发展方面积极性不高。

从外部环境来看，我国在信息技术的应用与发达国家相比还处于较低水平，
信息技术产品市场也不是很规范，一些相关的法律、法规还有待健全。从行
业内部来看，对其风险性认识还不够，在信息系统技术外包的对接、风险管
理系统的建立和完善方面还存在很多的问题，因此而潜存和产生的风险较大，
制约和影响着银行信息系统技术外包业务的发展，更影响着银行金融服务的
拓展。

本文论述了银行信息系统技术外包的国内外研究现状，引出了包括风
险管理、外包、信息系统技术外包的相关基础理论。论文以 H 银行为例，从
银行信息系统技术外包风险管理的问题及原因入手，对 H 银行当前信息系统
技术外包管理现状，存在的问题及原因进行深入分析。此后，论文提出了银
行信息技术外包风险管理系统重构的建议，从原则、重构方法、要素选择、
流程管理多个方面进行论述。最后，对 H 银行信息系统技术外包风险管理具
体实施与保障进行论述。

本文通过以 H 银行为例，对银行信息系统技术外包风险管理研究的深入
分析，为新形势下银行防范信息系统技术外包风险，推进发展战略提供借鉴
和参考。

关键词：银行；信息系统；外包；风险管理哈尔滨工业大学工商管理硕士学位论文
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Abstract
In the background of globalization, informatization rapid development and
market competition is becoming increasingly fierce, Banks and other financial
institutions will own limited resources more investment to support the core
business, gain market competitive advantage, as the bank business strong support
information system technology outsourcing become inevitable.Our bank
information system technology outsourcing into compared with the developed
countries of their late start, the current into the stage of development.Inf ormation
system technology outsourcing once produced, its application become
commercial Banks to reduce investment risk information system, increase the
bank the most important competitive advantage of the method.Because of the
particularity of the business of commercial Banks, the bank for information
system security and reliability of consideration, for information system
technology outsourcing in the application of certain understanding on the circle,
so to promote the commercial Banks information technology outsourcing
business development aspects enthusiasm is not high.From the bank information
system technology outsourcing external environment to see, at present, China's
information technology application level compared with the developed countries
is not high, the information technology product market still is not standard, the
relevant laws and regulations to be perfect.The whole industry from the bank to
see, for information system technology outsourcing risk knowledge is not enough,
for information system technology outsourcing butt, risk management system to
establish and perfect the has very many problems, so the acitivity and produce
risk bigger, restrict and influence the bank information system technology
outsourcing business development, the most important is to influence the bank
financial service development.
This paper first discusses the bank information system technology
outsourcing the domestic and foreign research present situation, the derivation
including risk management, outsourcing, information system technology
outsourcing related basic theory.And then to H bank as an example, the bank
information system technology outsourcing risk management problems and the