北大MBA原文案例庫(kù)


頁(yè)數(shù)：11 字?jǐn)?shù)：4256

How Financial Firms Decide on Technology，介紹國(guó)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(guò)程。
How Financial Firms Decide on Technology
(Abstract)
The financial services industry is the major investor in information technology(IT) in the U.S. economy; the typical bank spends as much as 15% of non-intereste expenses on IT. A persistent finding of research into the performance of financial institutions is that performance and efficiency vary widely across institutions. Nowhere is this variability more visible than in the outcomes of the IT investment decisions in these institutions. This paper presents the results of an empirical investigation of IT investment decision processes in the banking industry. The purpose of this investigation is to uncover what, if anything, can be learned from the IT investment practices of banks that would help in understanding the cause of this variability in performance along with pointing toward management practices that lead to better investment decisions. Using PC banking and the development of corporate Internet sites as the case studies for this investigation, the paper reports on detailed field-based surveys of investment practices in several leading institutions
How Financial Firms Decide on Technology
(Part One)
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(wú)息開(kāi)支上，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(zhǎng)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(wèn)題： 　　１.銀行對(duì)ＩＴ投資的評(píng)估和管理過(guò)程？ 　　　　２.在對(duì)ＩＴ的管理過(guò)程中，理論和實(shí)際操作的結(jié)合如何？ 　　　?。?ＩＴ投資的管理和銀行性能的關(guān)系如何？



1.0 Introduction
　　Information technology(IT) is increasingly critical to the operations of financial services firms. Today banks spend as much as 15% of non-interest expense on information technology. It is estimated that the industry will spend at least $21.1 billion on IT in 1998, and financial institutions collectively account for the majority of IT investment in the U.S. economy. In additon to being a large component of the cost structure, information technology has a strong influence on financial firms operatons and strategy. Few financial products and services exist that do not utilize computers at some point in the delivery process, and a firmsinformation systems place strong constraints on the type of products offered, the degree of customization possible and the speed at which firms can respond to competitive opportunities or threats.
　　A persistent finding of research into the performance of financial institutions is that perfor