I 摘要 中国移动互联网发展迅猛，网民中没有使用手机上网的用户只占约 0.7%。人 们身边的一切都被移动互联网改变，大众的金融消费习惯也被改变，给传统金融服 务行业带来了挑战，掀起了金融创新的一轮时代浪潮。近年来 S 农信社业务经营 取得了一系列的丰硕成果，整体经营管理水平也得到了显著提升，但是 S 农信社 仍然存在很多制约业务稳健发展的深层次问题，与建立现代金融企业还有较大差 距。如何利用信息科技手段快速扩展服务功能、创新业务及商业模式、提高经营管 理水平和风险控制水平等问题已摆在面前，在这些问题面前当前信息科技工作的 几个瓶颈也愈发凸现，亟需开展信息化战略规划指导信息化建设的有序和有效推 进。 本文以 S 农信社信息化战略规划研究为例，首先对 S 农信社展开宏观和竞争 环境的分析，然后调研评估 S 农信社信息化建设现状和业务经营管理现状，提出 S 农信社当前业务经营管理和产品与服务维度面临的问题，科技维度面临的应用、数 据和集成问题。接下来运用战略一致性模型（SAM）分析选择战略一致性的路线， 基于战略一致性路线通过解读 S 农信社企业战略，完成 S 农信社融合信息科技的 业务创新发展规划，利用战略目标集转化法（SST）和企业架构（EA）进行信息化 总体战略和信息化蓝图规划。最后对信息化战略规划与企业战略和现状的融合度 匹配进行评估，并提出实施保障措施。 本文在移动互联网时代背景下，银行业面临互联网金融挑战，需要信息科技支 撑业务战略转型的阶段，针对信息化建设水平相对国有大型商业银行落后的农信 社，制定适合 S 农信社信息化总体战略和信息化蓝图，为 S 农信社战略实现提供 坚定的支撑，同时也给国内其他农信社和地方商业银行机构在移动互联网时代信 息化战略规划提供一定的参考和借鉴。 关键词：移动互联网时代，信息化战略规划，战略一致性模型，企业架构ABSTRACT II ABSTRACT With the rapid development of China's mobile Internet, only about 0.7% of Internet users do not use mobile phones to access the Internet. Everything around people has been changed by the mobile Internet, and people's financial consumption habits have also been changed, which has brought challenges to the traditional financial service industry and set off a wave of financial innovation. In recent years, the business operation of S Rural Credit Cooperatives has achieved a series of fruitful results, and the overall operation and management level has also been significantly improved. However, there are still many deep-seated problems restricting the steady development of S Rural Credit Cooperatives. And there is still a large gap with the establishment of modern financial enterprises. How to use information technology to rapidly expand service functions, innovate business and business models, improve the level of management and risk control and other issues have been placed in front of us. In front of these problems, several bottlenecks in the current information technology work have become increasingly prominent. It is urgent to carry out information strategic planning to guide the orderly and effective promotion of information construction. This paper takes S Rural Credit Cooperatives information strategic planning research as an example. First, it carries out macro-environmental analysis and competition environment analysis to S rural credit cooperatives. Then investigates and estimates the status quo of information construction and business management status of S Rural Credit Cooperatives. Puts forward the problems faced by S Rural Credit Cooperatives in current business-management&product&service dimensions, and the application&data&integration problems faced by the information technology dimension. Next, the Strategic Alignment Model is used to analyze and select the route of strategic alignment. Based on the alignment perspective, by interpreting the corporate strategy of S Rural Credit Cooperatives, the business innovation and development planning of S Rural Credit Cooperatives integrating information technology is completed, and the overall informatization strategy and information blueprint planning are carried out by using the method of Strategy Set Transformation and Enterprise Architecture. Finally, it evaluates the matching degree of informatization strategic planning with enterprise strategy and current situation, and puts forward the implementation guarantee measures..ABSTRACT III In this paper, under the background of mobile Internet era, the banking industry is facing the challenges of Internet finance, and needs information technology to support the business strategy transformation. Aiming at the rural credit cooperatives which are relatively backward in the level of information construction compared with large state- owned commercial banks. This paper formulates information general strategy and information blueprint suitable for S Rural Credit Cooperatives, which provides firm support for the strategic realization of S Rural Credit Cooperatives. Also provides certain reference for domestic other rural credit cooperatives and local commercial banks about information strategic planning in the era of mobile Internet. Keywords: Mobile Internet Era, IT Strategy Planning, Strategic Alignment Model, Enterprise Architecture目录 IV 目 录 第一章 绪论....................... 1 1.1 研究背景................ 1 1.2 研究目的和意义.... 2 1.3 研究思路和论文框架........................... 2 1.3.1 研究思路 ..... 2 1.3.2 论文框架 ..... 2 1.4 本文创新之处........ 3 第二章 相关概念和文献综述.......................... 4 2.1 移动互联网发展综述........................... 4 2.1.1 移动互联网的定义 .................... 4 2.1.2 移动互联网发展的影响 ............ 5 2.2 互联网金融发展和银行对策综述....... 5 2.2.1 互联网金融发展和影响 ............ 5 2.2.2 传统银行的选择和对策 ............ 7 2.3 信息化战略规划方法研究和现状综述.............................. 7 2.3.1 信息化战略和规划的方法 ........ 7 2.3.2 信息化战略规划在我国的发展 9 2.3.3 信息化战略规划的战略一致性研究现状 ............... 9 2.4 本章小结...............11 第三章 S 农信社业务发展和信息化的现状和分析.................... 12 3.1 S 农信社背景介绍 .............................. 12 3.1.1 发展历程和经营业绩 .............. 12 3.1.2 面临的战略挑战 ...................... 12 3.1.3 所处的竞争地位 ...................... 13 3.2 S 农信社宏观环境分析 ...................... 14 3.2.1 政治和政策环境 ...................... 14 3.2.2 经济环境 ... 14 3.2.3 社会和文化环境 ...................... 15 3.2.4 技术环境 ... 16 3.3 S 农信社竞争环境分析 ...................... 17目录 V 3.3.1 优势分析 ... 17 3.3.2 劣势分析 ... 18 3.3.3 机会分析 ... 19 3.3.4 威胁分析 ... 19 3.4 S 农信社业务现状和问题分析 .......... 20 3.4.1 经营管理维度分析 .................. 20 3.4.2 产品与服务维度分析 .............. 23 3.5 S 农信社信息化现状和问题分析 ...... 24 3.5.1 应用架构维度分析 .................. 24 3.5.2 数据架构维度分析 .................. 27 3.5.3 集成架构维度分析 .................. 29 3.5.4 信息化现状总结 ...................... 30 3.6 本章小结.............. 31 第四章 S 农信社信息化战略规划................. 32 4.1 S 农信社信息化战略规划思路和目标 ............................. 32 4.1.1 战略一致性模型路线选择 ...... 32 4.1.2 信息化战略规划目标 .............. 34 4.2 S 农信社企业战略解读 ...................... 34 4.3 S 农信社业务创新发展规划 .............. 35 4.4 S 农信社信息化战略目标集 .............. 40 4.4.1 战略目标集转化法 .................. 40 4.4.2 企业战略目标集 ...................... 40 4.4.3 信息化能力需求 ...................... 41 4.4.4 信息化战略目标集 .................. 42 4.4.5 信息化总体战略 ...................... 43 4.5 S 农信社信息化蓝图规划 .................. 45 4.5.1 信息化蓝图规划原则 .............. 45 4.5.2 应用架构蓝图规划 .................. 46 4.5.3 数据架构蓝图规划 .................. 50 4.5.4 集成架构蓝图规划 .................. 52 4.5.5 信息化蓝图演进策略 .............. 53 4.6 本章小结.............. 55 第五章 信息化战略规划评价和实施保障措施........................... 56目录 VI 5.1 企业信息化战略融合度匹配评价体系............................ 56 5.2 企业信息化战略融合度匹配评价方法............................ 57 5.2.1 层次分析法确定指标权重 ...... 57 5.2.2 计算融合度匹配值 .................. 59 5.3 S 农信社信息化战略融合度匹配评价 ............................. 60 5.3.1 匹配评价指标权重 .................. 60 5.3.2 信息化战