II
摘 要
信息科技的快速发展及其在银行业的普遍应用，其作用已经摆脱了传统单一
的业务支持，逐渐转变为与现代金融业务的融合，成为银行开展业务创新，实现
战略目标的重要手段。然而，信息科技与业务的深度融合在提高银行经营效率和
效益的同时，也积聚着潜在的风险和威胁。因此，明确银行信息科技风险管理的
重要性，完善信息科技风险管理体系建设，对保障银行各项信息系统的安全、稳
定、持续运行，以及银行业务的创新与发展，具有重大的意义和作用。

X 省农村信用社作为农村金融的“主力军”，从创立之初就以服务“三农”
为经营宗旨，以改善农村金融环境为发展目标。目前，X 省农村信用社的信息科
技管理范围已涵盖机房、设备、网络、数据库、制度、人员、培训、信息安全等
多个方面，信息科技管理的难度逐渐增大，信息科技风险的因素逐渐增多，信息
科技风险的防控能力亟待加强。因此，如何有效地管理信息化建设过程中带来的
信息科技风险，已经成为 X 省农村信用社信息科技发展所必须面对和亟待解决
的首要问题。

本文在借鉴国内外银行业信息科技风险管理经验的基础上，结合 X 省农村
信用社信息科技风险管理存在的现实问题，设计出一整套符合其自身特点的信息
科技风险管理体系，提出了完善 X 省农村信用社信息科技风险管理体系的对策
与建议，并阐述了如何保障该体系有效实施的方法和措施。希望本文的研究能够
给 X 省农村信用社的信息科技风险管理相关部门提供参考和借鉴，使信息科技
真正成为 X 省农村信用社开展业务创新和实现战略目标的有力保障。

关键词：农村信用社；信息科技；风险管理Abstract
III
Abstract
The information technology is developing rapidly and widely used in all areas.
Its function has gotten rid of the traditional single business support, and turns to mix
the modern financial services. The information technology has become the important
means to broadcast the service innovations and achieve the strategic objective.
Meanwhile, it also hides the risk and menace. As a result, it is important to make the
information technology risk management of the bank clear and perfect. These will
take a significant role in guaranteeing the security, the stabilizing, the persistence, the
innovation and the development of the bank.
As the main force of the rural finance, X rural credit cooperatives aim to serve
the agriculture and to improve the rural environment. And its information technology
management has covered the machine rooms, the equipment, the network, the
database, the institution, the staff, the train, the information security and any other
aspects now. The difficulty of the information technology management is growing,
the risk of the information technology is also increasing. So the prevention and
control ability should be strengthened, and it has been the primary problem for X rural
credit cooperatives how to solve the risk in processing the information technology
effectively.
This article which is based on the banking information technology risk
management home and aboard, combining the real problem in X rural credit
cooperatives, designs a set of information technology risk management system and
brings forward a countermeasure and suggestion to perfect the information technology
risk management system of X rural credit cooperatives. And it explains how to make
the system safe as well. Hope the article will provide some references to the related
department of X rural credit cooperatives, and the information technology becomes
the forceful safeguard in the innovation and the strategy of X rural credit
cooperatives.
Key Words：Rural credit cooperative，Information technology，Risk management