I 摘要 随着互联网技术的飞速发展，公积金中心信息化、业务综合化与人工智能化 趋势的形成，交易量日趋增多，公积金的重要性越来越受到关注，客户需求也开 始朝多元化、个性化的方向发展。凉山移动为了帮助凉山州实现公积金中心信息 化，搭建以移动终端、行业应用网关、移动代理服务器等网络资源和服务能力组 成的公积金中心短信平台及 APP 应用，能否通过管理软件开发与系统对接，实现 公积金中心及公积金中心的个人客户、企业客户随时随身、经济快捷安全地享受 金融信息服务，成为了本文提出凉山移动住房公积金短信查询平台建设项目可行 性研究探讨的主要目的，科学而全面的项目可行性分析是规避风险、做出正确决 策的重要依据。 报告在结合国内外信息化建设项目可行性研究现状以及本人在通信行业工作 实践的基础上，以“中国移动四川公司 2014 年凉山州住房公积金短信查询平台信 息化工程”为例，通过采用项目管理、项目可行性研究、项目风险管理等相关理 论和方法对凉山移动住房公积金短信查询平台建设项目进行了方案论证、投资效 益分析、风险及防范等几个方面的可行性研究分析并得出相应的可行性结论。 纵观全文共分六章进行了凉山移动住房公积金短信查询平台建设项目可行性 研究的探讨。报告首先结合研究背景阐述了其研究的意义、内容和方法等，并对 相关理论及研究发展现状进行了综述；接着对本文研究的课题即凉山移动住房公 积金短信查询平台建设项目进行了详细的介绍，梳理了该项目在前期可行性研究 中存在论证内容不够完善、缺少科学的综合评价和必要的风险分析等的问题以及 这诸多问题产生原因，并尝试给出了解决问题的对策；然后重点通过市场可行性 分析、技术可行性分析、项目建设实施计划对项目方案进行了可行性方面的论证； 再然后通过投资估算及资金筹措、综合效益评价对项目的投资效益进行可行性方 面的分析；另外，还按照风险管理的方法本步骤对项目风险及防范措施进行了分 析和探讨；最后为本文研究的结论部分，经过多方面的科学论证后，报告研究结 论认为此项目具有较强的实施可行性。 总的来说，做好凉山移动住房公积金短信查询平台建设项目的可行性研究分 析，对完善凉山移动公司开展信息化建设项目可行性研究的论证具有一定的指导 价值，也对本项目今后的顺利开展具有一定的实践意义。 关键词，住房公积金，短信查询平台，项目管理，可行性研究，风险管理ABSTRACT II ABSTRACT Along with the development of e-commerce, the accumulation fund center information, business integration, the formation of all-roundization trend, trading volume increasing, accumulation fund is more and more attention, the importance of customer requirements are also moving in diversified and personalized direction. Liangshan mobile in order to help realize the accumulation fund center informationization, liangshan prefecture building with mobile terminals, industry application gateway, mobile proxy servers and other network resources and service ability of accumulation fund center messaging platform and an APP, can through the management software development and system docking, realize the accumulation fund center and accumulation fund of individual customers and corporate customers at any time with enjoy financial information services, economic fast and safely, became the liangshan mobile SMS query platform of housing accumulation fund is given in this paper the main purpose of the construction project feasibility study, scientific and comprehensive project feasibility analysis is the important basis of risk aversion, to make the right decisions. Paper in combination with informationization construction project feasibility research status at home and abroad as well as in communications industry, on the basis of working practice in China mobile company in 2014 in sichuan liangshan prefecture message information query platform of housing accumulation fund project as an example, through the adoption of project management, project feasibility study, project risk management, and other related theory and method of liangshan mobile SMS query platform construction projects of housing accumulation fund for scheme comparison, the investment benefit analysis, the risk and prevent such aspects as the feasibility of the analysis of the feasibility study and draw the corresponding conclusion. Throughout the paper is divided into six chapters were discussed Liangshan SMS mobile search platform housing fund construction project feasibility study. Firstly binding studies described its research background meaning, content and methods, and the development of relevant theory and research status are reviewed; Next to that is the subject of this study Liangshan SMS mobile search platform housing fund construction projects carried out in detail, combing the presence of the project in the pre-feasibilityABSTRACT III study demonstrate content is not perfect, the lack of comprehensive scientific evaluation and the necessary risk analysis, etc. problems and this causes many problems, and try to give solutions to this problem; Then focus through market feasibility analysis, technical feasibility analysis, project construction and implementation plan of the project demonstrated the feasibility of programs; and then again raise funds through investment estimation and comprehensive benefits evaluation of investment efficiency aspects of the project feasibility analysis; In addition, in accordance with the risk management methods of the present procedure for project risks and preventive measures are analyzed and discussed; Finally is the conclusion of this study, after many scientific studies and thesis study concluded that the implementation of this project has a strong feasibility. In general, do a good job in liangshan mobile housing accumulation fund message query platform construction project feasibility study analysis, to perfect the liangshan mobile company to carry out the informatization construction project feasibility study on demonstration has a certain guiding value, at the same time, this project smoothly and has a certain practical significance. Key words， Housing fund, SMS query platform, Project management, Feasibility studies, Risk management目录 IV 目录 第一章 绪论...1 1.1 报告选题的背景及其意义 ................................................................................ 1 1.1.1 选题研究的背景 ...................................................................................... 1 1.1.2 选题研究的意义 ...................................................................................... 2 1.2 相关理论综述及研究发展现状 ........................................................................ 4 1.2.1 项目管理及项目可行性研究理论 .......................................................... 4 1.2.2 国外研究发展的现状 .............................................................................. 6 1.2.3 国内研究发展的现状 .............................................................................. 7 1.3 研究的内容、方法及技术路线 ........................................................................ 8 1.3.1 研究的内容 .............................................................................................. 8 1.3.2 研究的方法 .............................................................................................. 8 1.3.3 研究的技术路线 ...................................................................................... 9 第二章 凉山移动住房公积金短信查询平台建设项目介绍….10 2.1 项目简介 .......................................................................................................... 10 2.1.1 公司简介 ................................................................................................ 10 2.1.2 项目概况 ................................................................................................ 10 2.1.3 项目建设的目标及原则 ........................................................................ 12 2.1.4 项目建设的必要性分析 ........................................................................ 13 2.2 项目管理流程分析 .......................................................................................... 15 2.3 项目可行性研究存在的问题及原因分析 ...................................................... 17 2.3.1 项目可行性研究存在的问题 ................................................................ 17 2.3.2 项目可行性研究存在的问题原因分析 ................................................ 18 2.3.3 项目可行性研究解决问题的对策 ........................................................ 20 2.4 本章小结 .......................................................................................................... 21 第三章 凉山移动住房公积金短信查询平台建设项目方案论证….23 3.1 项目的市场可行性分析 .................................................................................. 23 3.1.1 项目需求分析 ........................................................................................ 23 3.1.2 项目竞争对手分析 ................................................................................ 24 3.1.3 项目产品市场调查与预测 .................................................................... 25 3.2 项目的技术可行性分析 .................................................................................. 26目录 V 3.2.1 项目功能需求分析 ................................................................................ 26 3.2.2 项目技术业务流程分析 ........................................................................ 28 3.2.3 项目技术安全性分析 ............................................................................. 31 3.2.4 与公积金中心系统对接技术方案可行性分析 ..................................... 32 3.2.5 项目节能减排分析 ................................................................................. 34 3.3 项目建设实施计划 .......................................................................................... 35 3.3.1 项目建设施工组织建议 ........................................................................ 35 3.3.2 项目建设进度安排 ................................................................................ 35 3.3.3 项目建设实施步骤安排 ........................................................................ 36 3.3.4 项目建设人员编制和培训安排 ............................................................ 37 3.4 本章小结 .......................................................................................................... 37 第四章 凉山移动住房公积金短信查询平台建设项目投资效益分析….38 4.1 项目投资估算及资金筹措 .............................................................................. 38 4.1.1 项目投资估算的依据与步骤 ................................................................ 38 4.1.2 项目投资估算的方法 ............................................................................. 39 4.1.3 项目投资总额的估算及其分析 ............................................................. 39 4.1.4 项目资金筹措 ......................................................................................... 41 4.2 项目增值税费及其他计费分析 ...................................................................... 42 4.3 项目综合效益评价 .......................................................................................... 42 4.3.1 项目财务评价 ........................................................................................ 42 4.3.2 项目宏观经济评价 ................................................................................ 43 4.3.3 项目社会效益评价 ................................................................................ 44 4.4 本章小结 .......................................................................................................... 45 第五章 凉山移动住房公积金短信查询平台建设项目风险及防范分析.46 5.1 项目风险产生的原因 ...................................................................................... 46 5.2 项目风险识别 .................................................................................................. 47 5.2.1 项目风险识别的方法 ............................................................................ 47 5.2.2 项目风险识别的因素分析 .................................................................... 48 5.3 项目风险评估分析 .......................................................................................... 50 5.4 项目风险应对策略 .......................................................................................... 52 5.4.1 科学分析项目的需求 ............................................................................ 52 5.4.2 重视网络规划工作 ................................................................................ 53 5.4.3 对项目成员分工进行精心计划和安排 ................................................ 53目录 VI 5.4.4 加强各项管理措施 ................................................................................ 53 5.5 本章小结 .......................................................................................................... 54 第六章 结论.55 致谢.57