摘要
商业银行对管理信息系统的应用最初始于 20 世纪 60 年代，管理信息系统的
应用改变了商业银行传统的组织形式，使得商业银行经营管理的效率得到了提
高。我们所处的 21 世纪已经进入了信息经济的时代，信息的价值日益凸显，商
业银行必须要提高信息的利用效率，通过科学的管理信息系统，提升自身的核心
竞争力。总体来说，我国商业银行进行管理信息系统建设的时间已有近 20 年，
取得了一定的发展成就，后台业务处理系统不断升级，信贷以及财会等业务都已
经实现了信息化，在经营决策方面也发挥了一定的作用。截止 2015 年末，我国
的各商业银行已经基本完成了数据处理中心以及业务数据集中处理技术的建设

长春农村商业银行股份有限公司自成立以来，先后进行了两次综合业务系统的升
级改造，管理信息系统建设水平在国内城市商业银行中处在相对靠前的位置，但
随着时间推移原有的建设水平已经难以满足业务发展的需要，需要通过科学合理
的规划，优化长春农商银行管理信息系统的功能，提高银行自身的综合竞争力

同时，随着我国金融市场的不断对外开放，外资银行将会加大对我国金融市场的
参与力度，对国内的商业银行造成强大冲击。与国外商业银行的管理信息系统比
较，我国商业银行的管理信息系统在整体规模和建设水平方面都存在较大差距，
因此包括长春市农村商业在内的国内商业银行急需调整经营管理思路，进一步推
动商业银行管理信息系统的完善

本文研究在了解管理信息系统国内外研究现状的基础上，从管理信息系统相
关理论、商业银行信息化建设相关理论等基础知识入手，与实际情况相结合，详
细地描述长春农村商业银行管理信息系统建设的现状，深入的分析了长春农村商
业银行管理信息系统建设存在的问题和成因，进而提出了长春农村商业银行管理
信息系统建设的措施，最后对全文进行总结。本文拟解决的关键问题为针对长春
农村商业银行在管理信息系统建设过程中存在的问题和原因提出可行的解决对
策。本文研究的创新点体现在从实践的角度对长春农商银行管理信息系统建设的
问题进行了分析，通过文献分析与实地访谈分析相结合的方法，提出了长春农商
银行管理信息系统建设的对策，对于长春农商银行提高管理信息系统建设水平，
打造自身核心竞争力具有一定借鉴价值

关键词：长春农商银行；管理信息系统；项目管理；数据管理II
Abstract
The application of management information system in commercial banks started
at the beginning of 1960s，the application of management information system has so
changed the traditional organizational form of commercial banks that the efficiency of
commercial bank management has been improved。With the value of information
increasingly prominent ，Our twenty-first Century has entered the era of information
economy，Commercial banks must improve the efficiency of the use of information
and enhance their core competitiveness by scientific management of information
systems. Overall, China&39;s commercial banks to carry out the construction of
management information system for nearly 20 years, has made some achievements in
the development background, business processing system upgrades, credit and
accounting business have already realized information in business decision-making,
but also plays a certain role. By the end of 2015. China&39;s commercial banks have
basically completed the data processing center and business data centralized
processing technology. Changchun rural commercial bank Limited by Share Ltd since
its inception, has been upgraded two comprehensive business system, the level of
construction management information system in the relative position in the domestic
city commercial banks, but with the passage of time the original construction level has
been difficult to meet the needs of business development, through scientific and
rational planning. Optimization of Changchun rural commercial bank management
information system function, improve the comprehensive competitiveness of the
banks themselves. In addition, according to the WTO agreement, China will continue
to increase the degree of opening up the financial sector, foreign commercial banks
will continue to pour into China&39;s financial markets, domestic commercial banks
caused a strong impact. Compared with foreign commercial bank management
information system, management information system of commercial banks in China
there is a big gap in the overall scale and the construction level, thus including rural
commercial Changchun, domestic commercial banks need to adjust the management
idea, further perfect the management information system of commercial banks.
The main content of this paper is based on the understanding of domestic and
foreign research status of the management information system, starting from the basic
knowledge of banking informatization theory, business management information
system related theory, combined with the actual situation, a detailed description of the
status quo Changchun rural commercial bank management information systemIII
construction, in-depth analysis of the problems and the causes of the existing
Changchun rural commercial bank management information system construction, and
puts forward Changchun rural commercial bank management information system
construction measures, and finally to summarize. The key problem to be solved for
the existing problems and reasons in the process of management information system
in the construction of Changchun rural commercial bank and put forward feasible
countermeasures, the research methods are literature analysis method and interview
method. The innovation of this paper is reflected in the construction of Changchun
rural commercial bank management information system problem from the angle of
practice are analyzed, combined with the method of literature analysis and interview.
Through the analysis, put forward countermeasures for the construction of Changchun
rural commercial bank management information system for the Agricultural Bank
Changchun, raise the level of construction management information system, has a
certain reference value to build their own core competitiveness.
Keywords:Changchun rural commercial bank; management information system;
Project management; Data management目 录
摘要.. I
ABSTRACT........... II
第 1 章 绪 论....... 1
1.1 研究背景和研究价值......... 1
1.1.1 研究背景 . 1
1.1.2 研究价值 . 1
1.2 国内外研究现状. 2
1.2.1 国外研究现状 ......... 2
1.2.2 国内研究现状 ......... 3
1.3 研究方法和研究内容......... 4
1.3.1 研究方法 . 4
1.3.2 研究内容 . 5
1.4 创新之处....... 5
第 2 章 相关理论概述. 6
2.1 管理信息系统相关理论 ...... 6
2.1.1 管理信息系统的定义 ... 6
2.1.2 管理信息系统的架构 ... 6
2.1.3 管理信息系统的特点 ... 7
2.2 商业银行信息化建设相关理论. 8
2.2.1 商业银行金融产品及特点 ........... 8
2.2.2 银行信息化理论 ....... 9
2.2.3 信息化给商业银行带来的影响 ...... 10
2.2.4 银行管理信息化的发展方向 ........ 10
第 3 章 长春农村商业银行管理信息系统建设情况12
3.1 长春农村商业银行简介 ..... 12
3.2 长春农村商业银行管理信息系统建设现状 . 13
3.3 长春农村商业银行管理信息系统存在的问题 ........... 18
3.3.1 业务信息管理功能没有得到充分发挥18
3.3.2 信息采集质量差 ...... 19
3.3.3 业务权限设置不清晰 .. 19
3.3.4 创利功能没有得到充分发挥 ........ 20
3.3.5 信息技术人才缺乏 .... 21
第 4 章 长春农村商业银行管理信息系统建设问题的成因 ...... 22
4.1 信息技术部门的业务流程不畅通......... 22
4.2 数据采集流程缺少约束机制. 22
4.3 缺少严谨规范的业务流程设计........... 234.4 对中间业务的理解不足..... 23
4.5 专业人才培养制度不健全 ... 24
第 5 章 长春农村商业银行完善管理信息系统建设的对策 ...... 26
5.
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