近年来，金融服务领域内的技术驱动型创新不断产生，“金融科技”概念逐渐步入 了人们的视野，并迅速成为了全球投资人与创业者聚焦的热点产品。信息技术和金融服 务的深层融合不断打破现有金融的边界，改变着金融服务的运作方式，是金融业适应信 息时代所发生的一次深刻变革。开放式银行业务充分结合了当下数据共享的发展趋势， 响应大力发展金融科技的号召，开启了银行业发展的新篇章。 本文对X银行黑龙江省分行开放式银行业务后台运维管理进行研究，着重从目标客 户的拓展、业务的研发与维护管理和风险安全的管控三个角度进行分析。结合实际情况， 总结所存在的问题并提出解决对策，为X银行黑龙江省分行提供一套更为科学、更为有 效的开放式银行业务后台运维管理对策，来提高X银行的企业竞争力，促进其高效发展。 本文首先详细介绍了开放式银行业务的相关概念与功能，然后指出后台运维管理的要素 与目标，并说明了运维管理的内控化管理方法。然后，从三个方面对X银行黑龙江省分 行开放式银行业务的后台运维管理现状进行总结。之后，根据其现状所暴露出来的问题， 从不同的层面分析其产生的原因。最后结合X银行黑龙江省分行实际的发展形势及内控 化管理办法的相关理论知识，提出相应的内控化管理对策。在X银行黑龙江省分行大力 发展开放式银行业务的同时，对后台运维管理的研究，可以更为有效的发挥出X银行金 融服务的优势，提升开放式银行业务的推广效率，提高X银行的同业竞争力。 关键词：开放式银行业务；后台运维管理；金融科技 东北石油大学MBA学位论文 III Researchonthebackofficeoperationandmaintenancemanagement oftheopenbankingbusinessofBankXHeilongjiangBranch ABSTRACT Inrecentyears,technology-driveninnovationinthefieldoffinancialserviceshasbeen constantlyemerging,andtheconceptof"financialtechnology"hasgraduallysteppedinto people'svision,andquicklybecomeahotproductfocusedbyglobalinvestorsand entrepreneurs.Thedeepintegrationofinformationtechnologyandfinancialservices continuestobreaktheexistingfinancialboundaryandchangetheoperationmodeoffinancial services,whichisaprofoundchangeforthefinancialindustrytoadapttotheinformationage. Theopenbankingbusinessfullycombinesthecurrentdevelopmenttrendofdatasharing, respondstothecallofvigorouslydevelopingfinancialtechnology,andopensanewchapterin thedevelopmentofbankingindustry. Thispaperstudiesthebackgroundoperationandmaintenancemanagementoftheopen bankingbusinessofBankXHeilongjiangBranch,focusingonthethreeaspectsoftarget customerexpansion,businessdevelopmentandmaintenance,andrisksafetymanagementand controlbinedwiththeactualsituation,thispapersummarizestheexistingproblemsand putsforwardsolutionstoprovideasetofmorescientificandeffectiveback-endoperationand maintenancemanagementcountermeasuresforBankXHeilongjiangBranch,soasto improvetheenterprisecompetitivenessofBankXandpromoteitsefficientdevelopment. Thispaperfirstintroducestheconceptandfunctionofopenbankingbusiness,thenpointsout theelementsandobjectivesofbackofficeoperationandmaintenancemanagement,and explainstheinternalcontrolmanagementmethodofoperationandmaintenancemanagement. Then,itsummarizesthebackgroundoperationandmaintenancemanagementoftheopen bankingbusinessofBankXHeilongjiangbranchfromthreeaspects.Afterthat,accordingto theproblemsexposedbyitscurrentsituation,itanalyzesthecausesfromdifferentlevels. Finally,combiningwiththeactualdevelopmentsituationofBankXHeilongjiangBranchand therelevanttheoreticalknowledgeofinternalcontrolmanagementmethods,thepaperputs forwardcountermeasuresandsuggestions.AtthesametimeofBankXHeilongjiangBranch vigorouslydevelopingtheopenbankingbusiness,theresearchonthebackofficeoperation andmaintenancemanagementcangivefullplaytotheadvantagesofBankX'sfinancial services,improvethepromotionefficiencyoftheopenbankingbusiness,andpromotethe horizontalcompetitivenessofBankX. 东北石油大学MBA学位论文 IV KeyWords:openbanking;backofficeoperationandmaintenancemanagement; financialtechnology 目录 V 目录 摘要........................................................................................................................................II ABSTRACT..............................................................................................................................III 第1章绪论...........................................................................................................................1 1.1选题背景与研究意义..................................................................................................1 1.1.1选题背景...........................................................................................................1 1.1.2研究意义...........................................................................................................2 1.2国内外研究现状..........................................................................................................2 1.2.1国外研究现状...................................................................................................3 1.2.2国内研究现状...................................................................................................4 1.2.3国内外研究综述...............................................................................................6 1.3研究内容及方法..........................................................................................................7 1.3.1研究内容...........................................................................................................7 1.3.2研究方法...........................................................................................................8 第2章相关理论基础...............................................................................................................9 2.1开放式银行业务概述..................................................................................................9 2.1.1开放式银行业务的定义...................................................................................9 2.1.2开放式银行业务的功能...................................................................................9 2.1.3开放式银行业务架构.....................................................................................11 2.2业务后台运维管理....................................................................................................14 2.2.1业务后台运维管理的概念与要素.................................................................14 2.2.2业务后台运维管理的目标.............................................................................15 2.2.3业务后台运维的内控化管理方法.................................................................16 2.3本章小结....................................................................................................................18 第3章X银行黑龙江省分行开放式银行业务后台运维管理现状.....................................19 3.1X银行黑龙江省分行金融科技部门概况.................................................................19 3.1.1X银行黑龙江省分行简介..............................................................................19 3.1.2X银行黑龙江省分行科技部门简介..............................................................19 3.2开放式银行业务后台运维管理现状总结................................................................20 3.2.1业务目标客户的拓展现状.............................................................................20 3.2.2业务产品的研发与维护现状.........................................................................22 3.2.3业务风险安全管控现状.................................................................................23 3.3本章小结....................................................................................................................27 目录 VI 第4章X银行黑龙江省分行开放式银行业务后台运维管理问题分析.............................28 4.1业务目标客户的拓展方面........................................................................................28 4.1.1技术人员对业务结构了解不够导致产品使用范围受限.............................28 4.1.2技术人员与业务人员交流不足导致客户体验性较差.................................28 4.2业务产品的研发与维护方面....................................................................................29 4.2.1业务研发申请审批流程繁琐.....................................................................