关于发展我国金融服务外包的几个问题

Questions on the Development of Financial Service Outsourcing in China

服务外包是经济全球化和国际贸易迅猛发展的产物。金融服务外包既隶属于服务外包,又具有不同于服务外包的一些特征。对金融服务外包造成重要影响的外部因素有信息技术革命、金融自由化和金融领域的创新。强化核心业务、节约费用、提高核心竞争力等等是企业选择金融服务外包的内部原因。我国金融服务外包企业处于产业链低端,外包业务规模较小,涉及金融较少,加上针对金融服务外包的法律政策及相关政策制度又不完善,制约了其发展。

Financial service outsourcing is the result of increasing development of economic globalization and international trade. Although financial service outsourcing belongs to service outsourcing, it possesses some different features. The external factors affecting financial service outsourcing seriously are as follows： information technology revolution, financial liberalization, and innovation of financial field. On the contrary, there are also some internal factors for the enterprise＇s choosing financial service outsourcing, such as core operation enhancement, cost saving, core competitiveness improvement and so on. Financial service outsourcing enterprise in our country lies in the inferior position of industry chain with its small scale, involving little in finance, and imperfection of legal policy and relative policy and system for financial service outsourcing, therefore, the development is restricted.