精品北大原文案例库Word下载.docx

精品北大原文案例库Word下载.docx

《精品北大原文案例库Word下载.docx》由会员分享，可在线阅读，更多相关《精品北大原文案例库Word下载.docx（8页珍藏版）》请在冰豆网上搜索。

（Abstract）

Thefinancialservicesindustryisthemajorinvestorininformationtechnology（IT）intheU.S.economy;

thetypicalbankspendsasmuchas15%ofnon-interesteexpensesonIT.Apersistentfindingofresearchintotheperformanceoffinancialinstitutionsisthatperformanceandefficiencyvarywidelyacrossinstitutions.NowhereisthisvariabilitymorevisiblethanintheoutcomesoftheITinvestmentdecisionsintheseinstitutions.ThispaperpresentstheresultsofanempiricalinvestigationofITinvestmentdecisionprocessesinthebankingindustry.Thepurposeofthisinvestigationistouncoverwhat,ifanything,canbelearnedfromtheITinvestmentpracticesofbanksthatwouldhelpinunderstandingthecauseofthisvariabilityinperformancealongwithpointingtowardmanagementpracticesthatleadtobetterinvestmentdecisions.UsingPCbankingandthedevelopmentofcorporateInternetsitesasthecasestudiesforthisinvestigation,thepaperreportsondetailedfield-basedsurveysofinvestmentpracticesinseveralleadinginstitutions

（PartOne）

信息技术对金融服务业的影响正在增加，不仅仅表现在银行的15%无息开支上，而且对金融服务业的运做和战略也有很强的影响。

　　一个对金融机构的长期研究表明，不同的机构的效率和表现也不同。

其决定的因素有以下一些其中的一个因素就是对投资的决定和管理。

SBS是一个失败的例子，但是成功的公司也不少。

本文注重解答以下的问题：

　　１.银行对ＩＴ投资的评估和管理过程？

　　２.在对ＩＴ的管理过程中，理论和实际操作的结合如何？

　　３.ＩＴ投资的管理和银行性能的关系如何？

1.0Introduction

　　Informationtechnology（IT）isincreasinglycriticaltotheoperationsoffinancialservicesfirms.Todaybanksspendasmuchas15%ofnon-interestexpenseoninformationtechnology.Itisestimatedthattheindustrywillspendatleast$21.1billiononITin1998,andfinancialinstitutionscollectivelyaccountforthemajorityofITinvestmentintheU.S.economy.Inadditontobeingalargecomponentofthecoststructure,informationtechnologyhasastronginfluenceonfinancialfirmsoperatonsandstrategy.Fewfinancialproductsandservicesexistthatdonotutilizecomputersatsomepointinthedeliveryprocess,andafirms'

informationsystemsplacestrongconstraintsonthetypeofproductsoffered,thedegreeofcustomizationpossibleandthespeedatwhichfirmscanrespondtocompetitiveopportunitiesorthreats.

　　Apersistentfindingofresearchintotheperformanceoffinancialinstitutionsisthatperformanceandefficiencyvarieswidelyacrossinstitutions,evenaftercontrollingforfactorssuchassize（scale）,productbreadth（scope）,branchingbehaviorandorganizationalform（e.g.stockversusmutualforinsurers;

banksversussaving&

loans）.Giventhecentralrolethattechnologyplaysintheseinstitutions,atleastsomeofthisvariationislikelytobeduetovariationsintheuseandeffectivenessofITinvestments.WhilesomeauthorshavearguedthatthevalueofITinvestmenthasbeeninsignificant,particularlyinservices,recentempiricalworkhassuggestedthatITinvestment,onaverage,isaproductiveinvestment.Perhapsmoreimportantly,thereappearstobesubstantialvariationacrossfirms;

somefirmshaveveryhighinvestmentsbutarepoorperformers,whileotheresinvestlessbutappeartobemuchmoresuccessful.BrynjolfssonandHittfoundthatasmuchashalfthereturnstoITinvestmentareduetofirmspecificfactors.

　　OnepotentiallyimportantdriverofdifferencesinITvalue,andoffirmperformancemorebroadly,islikelytobethedecisionandmanagementpeocessedforITinvestments.HorrorstoriesofbadITinvestmentdecisionsabound.Considertheexampleofthenewstrategicbankingsystem（SBS）atBancOne（AmericanBanker1997）.BancOneCorp.andElectronicDataSystemsCorp.agreedlastyeartoendtheirjointdevelopmentofthisretailbankingsystemafterspendinganestimated$175milliononit.AsstatedintheAmericanBankerarticle,SBS"

wasjustsooverwhelmingandsocompletethatbythetimetheyweregettingtomarket,itwasgoingtotaketoolongtoinstallthewholething,"

saidAlanRiegler,principalinErnst&

Young'

sfinancialservicesmanagementconsultingdivision.However,notallthestoriesarenegative.NewITsystemsareplayingavitalroleinreshapingthedeliveryoffinancialservices.Forexample,newcomputer-telephonyintegration（CTI）technologiesaretransformingcallcenteroperationsinfinancialinstitutions.Byinvestingintechnology,moreandmoreinstitutionsaremovingoperationsfromhigh-costbranchoperationstothetelephonechannel,wherethecostpertransactionisone-tenththecostofatellerinteraction.ThisITinvestmentnotonlyreducesthecostofservingexistingcustomers,butalsoextendsthereachoftheinstitutionbeyonditstraditionalgeographicboundaries.

　　Inthispaper,weutilizedetailedcasestudiesofsixretailbankstoinvestigateseveralinterrelatedquestions:

　　１.Wha