2023年全國碩士研究生考試考研英語一試題真題(含答案詳解+作文范文)_第1頁
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1、HowFinancialFirmsDecideonTechnology,介紹國際大銀行在決定對(duì)信息技術(shù)投資時(shí)的考慮要點(diǎn)和介紹國際大銀行在決定對(duì)信息技術(shù)投資時(shí)的考慮要點(diǎn)和他們具體的實(shí)施過程。他們具體的實(shí)施過程。HowFinancialFirmsDecideonTechnology(Abstract)Thefinancialservicesindustryisthemajinvestininfmationtechnology(IT)inth

2、eU.S.economythetypicalbankspendsasmuchas15%ofnoninteresteexpensesonIT.Apersistentfindingofresearchintotheperfmanceoffinancialinstitutionsisthatperfmanceefficiencyvarywidelyacrossinstitutions.Nowhereisthisvariabilitymevis

3、iblethanintheoutcomesoftheITinvestmentdecisionsintheseinstitutions.ThispaperpresentstheresultsofanempiricalinvestigationofITinvestmentdecisionprocessesinthebankingindustry.Thepurposeofthisinvestigationistouncoverwhatifan

4、ythingcanbelearnedfromtheITinvestmentpracticesofbanksthatwouldhelpinunderstingthecauseofthisvariabilityinperfmancealongwithpointingtowardmanagementpracticesthatleadtobetterinvestmentdecisions.UsingPCbankingthedevelopment

5、ofcpateIntersitesasthecasestudiesfthisinvestigationthepaperreptsondetailedfieldbasedsurveysofinvestmentpracticesinseveralleadinginstitutionsHowFinancialFirmsDecideonTechnology(PartOne)信息技術(shù)對(duì)金融服務(wù)業(yè)的影響正在增加,不僅僅表現(xiàn)在銀行的15%無息開支上,

6、而且對(duì)金融服務(wù)業(yè)的運(yùn)做和戰(zhàn)略也有很強(qiáng)的影響。一個(gè)對(duì)金融機(jī)構(gòu)的長期研究表明,不同的機(jī)構(gòu)的效率和表現(xiàn)也不同。其決定的因素有以下一些其中的一個(gè)因素就是對(duì)投資的決定和管理。SBS是一個(gè)失敗的例子,但是成功的公司也不少。本文注重解答以下的問題:1.銀行對(duì)IT投資的評(píng)估和管理過程?2.在對(duì)IT的管理過程中,理論和實(shí)際操作的結(jié)合如何?3.IT投資的管理和銀行性能的關(guān)系如何?1.0IntroductionInfmationtechnology(IT)i

7、sincreasinglycriticaltotheoperationsoffinancialservicesfirms.Todaybanksspendasmuchas15%ofnoninterestexpenseoninfmationtechnology.Itisestimatedthattheindustrywillspendatleast$21.1billiononITin1998financialinstitutionscoll

8、ectivelyaccountfthemajityofcostbranchoperationstothetelephonechannelwherethecostpertransactionisonetenththecostofatellerinteraction.ThisITinvestmentnotonlyreducesthecostofservingexistingcustomersbutalsoextendsthereachoft

9、heinstitutionbeyonditstraditionalgeographicboundaries.Inthispaperweutilizedetailedcasestudiesofsixretailbankstoinvestigateseveralinterrelatedquestions:1.WhatprocessesdobanksutilizetoevaluatemanageITinvestments2.Howwelldo

10、actualpracticesalignwiththeeticalargumentsabouthowITinvestmentsshouldbemanaged3.WhatimpactdoesthatmanagementofITinvestmentshaveonperfmanceHowFinancialFirmsDecideonTechnology(PartTwo)Fthefirstquestionwedevelopastructuredf

11、ramewkfcatalogingITinvestmentpracticesthenpopulatethisframewkusingacombinationofsurveyssemistructuredinterviews.WethencomparetheresultsofthisexercisewithasynthesisoftheliteratureonITdecisionmakingtounderstinghowpractices

12、varyacrossfirmstheextenttowhichthisisconsistentwith“bestpractices“asdescribedinpreviousliterature.Finallywewillcomparetheseprocessestointernalexternalperfmancemetricstobetterunderstwhichsetsofpracticesappeartobemosteffec

13、tive.TomakethesecomparisonsconcreteweexamineboththegeneraldecisionprocessaswellasthespecificprocessesusedftworecentITinvestmentdecisions:theadoptionofcomputerbasedhomebanking(PCbanking)thedevelopmentofthecpatewebsite.The

14、sedecisionswerechosenbecausetheywererecentarerelatedbutprovidesomecontrastinparticularPCbankingisafairlywelldefinedproductinnovationwhilethecpatewebpresenceismeofaninfrastructureinvestmentwhichislesswelldefinedintermsofo

15、bjectivesbusinessownership.Overallwefindthatwhilesomeaspectsofthedecisionprocessarefairlysimilaracrossinstitutionsoftenconfmto“bestpractice“asdefinedbypreviousliteraturethereareseveralareaswherethereislargevariationinpra

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