摘要
随着信息科技在商业银行的广泛应用,商业银行既要面对传统的操作风险、信用风险、市场风险,又面临信息技术与银行业务交融引发的新风险——商业银行信息科技风险,其包括来自银行自身的操作风险、技术风险、信息孤岛效应、系统闲置风险等内部风险和来自客户、供应商和服务商以及非特定侵害者的外部风险。这些风险固然难度量、易扩散、影响大,但从内在本质特征上来看表现为一种可防可控的管理风险,外在表现为声誉下降风险。因此,要将信息科技风险管理制度化、常态化,落实全面风险管理、IT资源配置和业务协调发展,减少对国外技术和服务的依赖。
With wide use of the information technology in commercial bank, the commercial bank has to face not only the traditional operational risk, credit risk, market risk, but also the new risks caused by the blend of the information technology and the banking business the commercial bank's information technology risks, which include the operational risk, the technology risk, the information island effect, the idle risk of the system and other internal risks from the bank and the external risks from the customers, suppliers ,service providers as well as non-specific aggressors. Of course, it is difficult to measure the risks, in addition the risks can easily' spread and their impacts are great, but from the perspective of their inherent nature and characteristics, they are the preventable and controllable management risks and their external manifestations are the risks of the reputation decline. Therefore, it is necessary to institutionalize and normalize the management of the information technology risk, implement the comprehensive risk management, the allocation of the IT resources and the coordinated development of the business to reduce the dependence on the foreign technology and services.
出处
《金融论坛》
CSSCI
北大核心
2010年第11期55-60,共6页
Finance Forum
关键词
信息科技风险
内部风险
外部风险
管理风险
全面风险管理
information technology risk
internal risk
external risk
management risk
comprehensive risk management