We have really reached the planning moment 1.

Most people may think about developing a plan for themselves (such 3 Annual Plan, 5 Annual Plan or 10 Annual Plan ). However, there are only a few people who really do this. Some of them, after making a plan, have changed beyond the plan. If they fail to implement the plan, they will give up. In addition, planning and development require certain conditions, not when we do not know what we can do or what we need. Therefore, it is difficult to develop and execute a plan, and it is difficult to be favored.

planning refers to people in a certain period of time (generally 3-5 year, in order to achieve people's set planning goals. Theoretically, when we are doing any major event, we 'd better make a plan first and then follow the plan. If there is a change, we should improve the plan so that the plan can continue. For countries and enterprises, planning is indispensable. If there is no planning, there is no goal. If there is no goal, there will be no hope for the future. If there is no goal, there will be chaos.

Enterprise Informatization also requires planning. The problem is that in reality, it is difficult for us to see the shadows of real planning. What we see is that everyone is busy with system construction. Some people think that system construction is planning, and they are planning. Some people even think that the business and technology development is too fast, the plan has not changed rapidly, and there is no need for any planning. Some people think that the company has a plan and there is no talk about it.If someone can say3Year or5What will the informatization of the banking industry look like. We do not need to discuss the planning topic.

Planning is a big topic. Most of the time, when we say there is a plan, we may not really have a plan. This can be verified by the importance of the plan, the degree of implementation of the plan, and the results of the Plan. It can be said that planning must be the product of the development of enterprise informatization to a certain stage. It is difficult to reflect the important functions and effects of planning even if planning is in place.

As for the current information development status of the banking industry, I just want to say that we have come to the point of planning:

I,Have met the planning conditions

Theoretically, things can be planned at the beginning. However, practice tells us that when we do not have a certain understanding of the development plan of things, the plan made at this time is meaningless, because the plan is just a writtenArticleThe planning operability is very poor. For example, in the 1980s s, China's banking industry was just exposed to information technology. At that time, the vast majority of people, both long-running managers and business personnel, were unfamiliar with computers, and almost none knew computers, at this time, you ask the bank to create3Annual Plan and5The annual plan is unrealistic because banks do not have any specialized talents engaged in enterprise information planning. If there is a plan, it is only necessary to find some information about the informatization of the foreign banking industry, such a plan only has no quality, it is not a planning function.

The informatization of China's banking industry has met the planning conditions after decades of development from scratch, from existence to completeness, from distribution to centralization. It basically covers various businesses and main management of the banking industry. Has accumulated a large number of successful experiences and lessons of enterprise informatization development. These have laid a good foundation for planning. If we do not have these experiences and lessons, even if we develop a plan named planning, it is not actually a real plan.

In general, we can look at the following aspects when an enterprise's informatization construction is under planning.

1Application System Construction covers banking business and management

If the informatization of an enterprise does not cover the main business and management of the enterprise, it is not appropriate to make any plans at this time. It is better to concentrate on application system construction first, to meet business and management requirements.

Just like in the banking industry, if there were only a few business systems such as the accounting system, savings system, and report system ten years ago, people would not see the full picture of Informatization. You should plan informatization, that makes little sense. At present, the informatization development of state-owned joint-stock banks and joint-stock commercial banks has reached a certain level.

1From the perspective of Business System Construction,Financial products such as accounting, retail, credit, consumer loans, credit cards, and guojie all have more than one version of the system, systems such as planning finance, auditing, legal, and external supervision have also been established, but the system positioning of banks is different. Many banks have basically achieved regional centralization and informationization of online banking, self-service devices, mobile phones, and other trading channels. It should be said that the construction of the system basically covers the main financial products and services of banks.

2From the perspective of Management Information System Construction,After the establishment of the business system, the management information system becomes more and more important, leading to the trend of separating the management information system from the business system. For exampleCRMThe emergence of various decision analysis systems and the importance of business models and management models all prove that the information coverage is expanding.

2Rapid development of Information Technology

At the beginning of the informatization of the banking industry, different banks started from each other. Some were based on standalone, some were based on Host terminal-based application systems, and later they developed to the Internet, realizing regional centralization, it has now evolved into online banking, mobile banking, and other multi-channel banking systems. From the hardware point of view PC From servers to minicomputers and from minicomputers to mainframes, banks are constantly choosing. From the data storage method, from the file mode to the database mode. From the connection method, from the Host terminal mode to the network mode (Lan, private network, Internet ). From the operating system perspective DoS To various Uinx , Windows , AIX From the perspective of development languages C Language PHP, C #, Java From the perspective of development tools, from the language tools to the current development platform, database and Bi Tools. From the perspective of software architecture, from no architecture to architecture, from functional application systems to platform systems. From the perspective of standardization, there is a sense of standardization from the absence of standards. From the perspective of security technology, the combination of software and hardware has gone from simplicity to complexity. From the perspective of data capacity M , G Level T Level. I would like to note that the current information technology can be used to develop application systems that meet banking and management needs. Without such satisfaction, there are still technical bottlenecks, and the feasibility of planning will be greatly reduced.

  3And prominent information problems

If our current application system construction and information technology can meet the informatization requirements of the banking industry, we should not make any plans. For the moment, we should build a functional application system, whether it is a small system or a large system, there should be no problem. However, we still feel that many problems exist.

1)Existing application systems are well-developed.

Almost all existing systems are well-developed, and it is difficult for users to provide a degree of satisfaction. Some application systems have a long running time, a long design period, and some even have fatal design defects. In addition, the business needs change rapidly, so there are many perfect places. However, the improvement may affect the business and other aspects, and the transformation of some systems is difficult. More application systems are always in the process of continuous upgrade and improvement.

2)Application Systems have integration requirements

When the application system covers the main business and management of a bank, hundreds of application systems make people feel that they must be integrated. Otherwise, repeated construction will increase the capital cost of construction, increasing system maintenance costs and increasing system labor costs are unacceptable by banks. But how to integrate? It is also a big topic.

3)New system construction cannot meet business growth requirements

Although banks have built thousands or even hundreds of application systems, the construction of new systems is far from meeting the demand for business growth. This is because banking operations are still in a development stage. On the other hand, system construction continues the previous single demand-driven development model, A requirement generally takes more than half a year from proposal to production, and some may be unimaginable for a long time. Development is always behind the demand, so this phenomenon will survive for a long time without being changed.

 

4)Information resources are not shared

The Banking application system stores a large amount of information resources, such as customer information, account information, transaction information, and statistical information. Such information is exclusive to the application system without exception, is exclusive to the department of the application system user. The absence of information sharing leads to repeated construction, which leads to the diversification of information channels and the differences in information caliber and forms of expression. Both in terms of service usage and data storage space investment are helpless.

5)Function resources are not shared

As a provider of financial products and services, the banking industry has many technical similarities, such as various transaction processing and various account processing. However, because the application system is developed by the department based on financial products, the functions developed by this system cannot be shared in another system. This has resulted in many similar functions and repeated development. Of course, this problem is not a problem that requires a department or a development department. We must stand on a cross-department or cross-product level to solve it.

6)Low degree of standardization

From the common sense, the more information, the higher the information usage, the higher the possibility of standardization. Banks have a very high degree of information and information utilization, but their degree of standardization is not high. Although there is a sense of standardization, there is a lack of standardized organizations and professionals, and people do not pay enough attention to standardization. Even if there are standards, there will be many difficulties in implementing the standards.

4, Success experiences and failure lessons

Over the decades of informatization development in the banking industry, the banking industry has accumulated a lot of successful experiences and lessons learned from failures. These are valuable resources. Without these valuable resources, we cannot scientifically plan our future if there is no way to use them. We are destined to encounter the stones that others have met in the past, we may not be able to quickly find ways and means to overcome these difficulties. These valuable resources are distributed across different systems, departments, and individuals. By planning, we can concentrate these resources for future information construction, so that these resources can play a greater role.

Part II:We have really reached the planning moment2"