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在我国地方信息化建设过程中,山东省处于比较领先的地位,信息化整体水平较高。山东威海市作为我国“最适宜居住的城市”示范,近年来一直向城市生活信息化的更高台阶迈进。威海市商业银行为了紧跟城市建设的步伐,积极开展了金融电子化工作。 面临的问题就是潜在的需求 威海商业银行原业务状况是各网点业务单机操作,信息无法共享;日常业务部分通过电脑完成,相当部分仍需手工建立卡片帐等原始方式完成,工作量很大,数据统计、数据报表难出。微机程序只是模拟手工传票单方记帐,操作人员仍需根据业务确定会计分录方可操作,出错率高、工作效率低。对于管理部门,由于各支行单独运作,会计核算模式难以统一,数据报表难以集中,使总部难以统一监管。以上因素严重限制了商行在极具竞争力的先进服务品种如通存通兑、一卡通、ATM等业务上与同业的竞争力,更无从谈起MIS等管理决策系统的发展。
In the process of local information construction in our country, Shandong Province is in a leading position and the overall level of informationization is relatively high. As a model of “the most livable city” in China, Weihai City in Shandong Province has been striding forward to a higher level in urban life informationization in recent years. In order to keep pace with the pace of urban construction, Weihai Commercial Bank actively carried out financial electronic work. Faced with the problem is the potential demand Weihai Commercial Bank of the original business situation is the single point of operation of the business network, the information can not be shared; part of the daily business through the computer to complete a considerable part still need to manually create a card account and other original way to complete a heavy workload, data Statistics, difficult to report data. The computer program simulates the single-side accounting of manual summonses. The operator still needs to confirm the accounting entries according to the business operation, with high error rate and low work efficiency. As for the management department, due to the separate operation of each branch, the accounting mode is difficult to be unified and the data report is difficult to be centralized, making it difficult for the headquarters to be uniformly regulated. The above factors have seriously restricted the competitiveness of commercial banks in the highly competitive and advanced service varieties such as deposit, ATM, ATM and other business, and even less talk about the development of MIS and other management decision-making systems.