China's Banking Industry Information Construction Issues Discussed

The transitional period of China's entry to WTO passing by, the financial globalization is becoming reality, while the competition in financial service grows. In the fierce competitive environment, financial service innovation should be signified to enhance the leading competitive ability, the operational decision capability and the marketing reaction. Information technology is indispensable for the financial service innovation; therefore, information-oriented construction in the banking field will be playing a more arduous historical role in the new era. On the other hand, the further organizational reform and stock system transformation of the banking industry will inevitably result in a stricter requirement to the information-oriented construction. With the adjustment of organization and business strategies ad well as the improved procedures, the system reform more and more depends on the technical innovation level. Therefore discussing the issue of information-oriented construction in China's banking industry is of positive sense.The basic clue of this article is, firstly, elaborating the significance of information development in banking; secondly, analyzing the current situation and question of information-oriented construction in our country's banking industry based on the bank service development demand and the information security situation; finally, gropes China's banking industry information development tendency, proposed China's information-oriented construction in banking entering the scientific development period, which intends to discussed how to coordinate the contradiction of business development and the banking industry security risk, along with China's banking industry developing rapidly.The main content contains three sections:Section one, introduce the conception of information-oriented construction and effect on the developing economy, and introduce the important meaning and character of banking information industry. Banking is a field with intensive competition, developed marketing system, high dynamic and information-integrated, and high applied and functional information. To the banking, information technology has already surpassed the stage of"science and technology stirring the bank"and becomes"the oxygen to the human beings."Section two, analyze China's banking industry information development, and discuss the questions existing in it. On one hand, the development of information conflicts with financial innovation; task allocation and the coordination between the information and the service also puzzles the professionals. On the other hand, as a result for the advanced degree of information, with high integration of data, various ceaseless risks appear, and even causes wide range and long time close-down, causes the bank to face the serious credit crisis and terrible social influence.The third section, attempts to think about how to consummate the information development of our banking. First of all, propose the scientific development view of China's banking industry information development, establish the correct supervising and managing scientific understanding system of information risk; secondly, strengthen the appraisal and the guard of the information security risk, effectively manage and guard banking industry information security, finally achieve the goal of nonstop service; then, banks need to stipulate medium and long-term plan for information science and technology development, gradually consummate the internal audit operating system and the information science and technology system, construct advanced information science and technology platform, make a centralized management service and the financial data, realize a panoramic management from the management level to the operation stratification, from a service department to backstage function department; in the end , all–level banks should construct own customer relations management system and the data storage management system using the data integration the carry out the decision-making, strategy and management innovation, construction unified and reasonable management information system and technical framework, gradually accomplish the effective amalgamation between management system and the operational channel.