河北省金融后台服务中心建设问题研究
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摘要
20世纪90年代至今,伴随着全球金融业的发展,各个金融机构的前后台逐渐出现分离的态势,并且其分离出去的金融后台逐渐向亚洲地区转移,金融前后台逐渐分离的趋势以及金融后台外移的事态正在不断影响着国际金融业发展的空间布局和竞争态势。
在当前全球金融竞争越来越激烈的背景下,金融机构分离出自身非核心竞争业务,以实现合理“瘦身”轻装上阵。在我国金融后台服务业日渐开放过程中,这种前台与后台分离的业务发展模式的增长发展速度令人瞩目,这项业务可以发挥我国较为廉价的劳动力资源优势,同时低耗能,可持续发展的朝阳产业。同时,采取将前台业务和后台业务分离也使我国金融机构提高了效率,降低了成本,增大了竞争力。
本文以交易成本理论,核心竞争力理论、交易费用理论,金融再造理论,产业集群理论等为理论基础,以河北省金融后台服务中心建设为主要研究内容,在深入分析金融后台服务的概念、特点和功能的基础之上,肯定了积极发展金融后台服务对河北省经济发展产生的巨大推动作用。通过对比国内外金融后台服务的发展模式,对优秀的、先进的理论进行借鉴与应用,提出我省建设金融后台服务中心的对策建议。
Since the90s of the 20th century, the global financial industry has shown a separation of front and back-office services and background services constantly refined division of labor trends, and this trend also presents the transfer of the Asia Pacific region and the relative concentration of the situation, the financial back-office services and outsourcing Expanding, is changing the international financial industry and the competitive situation the space layout.
In the current context of the global financial crisis, financial institutions will own separaten on-core competitive business, has achieved reasonable "downsizing "move forward with ease. In the process of gradual opening up of China's financial services industry in Taiwan before and after the separation of this mode of business development pace of development the sincreased considerably impressive, is a play of labor resources, while non-polluting, sustainable development of the sunrise industry. At the same time, to take the business to Taiwan before and after the separation of China's financia linstitutions improve efficiency, reduce costs and enhance competitiveness.
In this paper, core competence theory, transaction cost theory as the theoretical basis, the financial background services center in Hebei Province as the main research, in-depth analysis of the concept of financial back-office services, based on features and functions, certainly a positive development of the financial Background service on the enormouse conomic development in Hebei Province to promote the role. By comparing the development of domestic and foreign financial background service mode on the good, learn advanced theory and application, proposed building the province's financial background services center suggestions.
在当前全球金融竞争越来越激烈的背景下,金融机构分离出自身非核心竞争业务,以实现合理“瘦身”轻装上阵。在我国金融后台服务业日渐开放过程中,这种前台与后台分离的业务发展模式的增长发展速度令人瞩目,这项业务可以发挥我国较为廉价的劳动力资源优势,同时低耗能,可持续发展的朝阳产业。同时,采取将前台业务和后台业务分离也使我国金融机构提高了效率,降低了成本,增大了竞争力。
本文以交易成本理论,核心竞争力理论、交易费用理论,金融再造理论,产业集群理论等为理论基础,以河北省金融后台服务中心建设为主要研究内容,在深入分析金融后台服务的概念、特点和功能的基础之上,肯定了积极发展金融后台服务对河北省经济发展产生的巨大推动作用。通过对比国内外金融后台服务的发展模式,对优秀的、先进的理论进行借鉴与应用,提出我省建设金融后台服务中心的对策建议。
Since the90s of the 20th century, the global financial industry has shown a separation of front and back-office services and background services constantly refined division of labor trends, and this trend also presents the transfer of the Asia Pacific region and the relative concentration of the situation, the financial back-office services and outsourcing Expanding, is changing the international financial industry and the competitive situation the space layout.
In the current context of the global financial crisis, financial institutions will own separaten on-core competitive business, has achieved reasonable "downsizing "move forward with ease. In the process of gradual opening up of China's financial services industry in Taiwan before and after the separation of this mode of business development pace of development the sincreased considerably impressive, is a play of labor resources, while non-polluting, sustainable development of the sunrise industry. At the same time, to take the business to Taiwan before and after the separation of China's financia linstitutions improve efficiency, reduce costs and enhance competitiveness.
In this paper, core competence theory, transaction cost theory as the theoretical basis, the financial background services center in Hebei Province as the main research, in-depth analysis of the concept of financial back-office services, based on features and functions, certainly a positive development of the financial Background service on the enormouse conomic development in Hebei Province to promote the role. By comparing the development of domestic and foreign financial background service mode on the good, learn advanced theory and application, proposed building the province's financial background services center suggestions.
引文
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[17]玄黎薇.银行业金融机构前后台业务分离模式的研究[J].经济技术协作信息,2008(19)：59.
[18]王洪昌.论国际金融服务外包及中国的应对策略[D].长春：吉林大学,2009.
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[21]吴庶.中国金融服务业BPO企业竞争力的若干问题研究[D].北京：北京大学,2007.
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[24]张博.我国金融后台产业园区建设发展研究[D].北京：中国社会科学院研究生院,2009.
[25]聂峰.金融业务流程外包服务平台建设研究[J].金融经济(理论版),2008(5)：44-45.
[26]杨琳.中国金融服务外包的全球战略选择[J].当代金融家,2010(4)：56-58.
[27]詹政,王铁山.中印金融服务外包的竞争格局与策略[J].商业研究,2009(2)：104-106.
[28]金融危机下中国软件外包赶超印度机遇来临[N].中国计算机报.2009-0715http:// www.ccgp.gov.cn/gysh/itch/itzx/938188.shtml
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[30]中国服务外包研究中心.中国金融服务外包发展报告2008.上海交通大学出版社,2009(5)：68-79.
[31]人民银行成都分行支付结算处调研组.西部金融中心的新亮点——成都金融后台服务中心调研报告[J].西南金融,2007(10)：19-21.
[2]Finlay Paul N, King Ruth M. IT sourcing:A research framework. Geneva: International Journal of Technology Management,1999(17):109-129.
[3]Ulli Amord. New dimension of outsourcing:a combination of transaction cost economics and core competencies concept. European journal of Purchasing & Supply Management.2000,23-29.
[4]Bartel A, Lach S, Sicherman N. Outsourcing and Technological Change. NBER: workingpaper 11158.2005.
[5]Glass A. L. Outsourcing under Imperfect Protection of Intellectual Property. Review of International Economics,2004,12(5):867-884.
[6]The Joint Forum(2004)Outsourcing in Financial Services. Bank for International Settlements, Basel, Switzerland.
[7]Logica CMG, Fit for Business, Fit for Britain:Corporate Fitness Programme for More Competitive and Valuable Businesses. United Kingdom,2004.
[8]王力.金融产业前后台业务分离的新趋势研究[J].财贸经济,2007(7)：19-23,38.
[9]陆岷峰,陈志宁.用科学发展观统领金融后台服务基地[J].企业研究,2008(8)：22-25.
[10]鲍务英,周晓燕.金融业后台外移业务类型及趋势分析[J].消费导刊,2008(7)：50-51.
[11]曾昭武,周军峰,蔡伟.珠三角金融后台产业集群建设问题研究[J].南方金融,2009(6)：18-21.
[12]王怡.金融后台离岸外包发展模式研究[D].青岛：中国海洋大学,2008.
[13]黄育华.国外金融后台与服务外包园区运行管理和招商引资研究[J].中国城市经济,2009(1)：88-91.
[14]刘宣等.金融产业后台服务外移过程中的区位选择以珠三角地区为例[J].城市规划学刊,2006(5)：81-85.
[15]马玫.印度服务外包业区位选择及其启示[J].城市,2006(6)：25-27.
[16]夏红芳,武鑫.金融外包国际动态及对中国金融企业的启示[J].浙江金融,2006(11)：26-27.
[17]玄黎薇.银行业金融机构前后台业务分离模式的研究[J].经济技术协作信息,2008(19)：59.
[18]王洪昌.论国际金融服务外包及中国的应对策略[D].长春：吉林大学,2009.
[19]齐晓玲.中国金融服务外包竞争力分析及应对策略[D].北京：北京工业大学,2010.
[20]张淼淼.北京金融后台服务区建设发展现状与对策分析[J].区域经济发展,2010(4)：91-93.
[21]吴庶.中国金融服务业BPO企业竞争力的若干问题研究[D].北京：北京大学,2007.
[22]黄瑞芬,陈琳,宋晓萌.上海发展金融BPO的比较优势分析[J].商业时代,2007(12)：106-107.
[23]许小苍,焦勇兵.我国发展金融业务流程外包的SWOT分析[J].PRACTICE IN FOREIGN ECONOMIC RELATIONS AND TRADE,2007(7):57-60.
[24]张博.我国金融后台产业园区建设发展研究[D].北京：中国社会科学院研究生院,2009.
[25]聂峰.金融业务流程外包服务平台建设研究[J].金融经济(理论版),2008(5)：44-45.
[26]杨琳.中国金融服务外包的全球战略选择[J].当代金融家,2010(4)：56-58.
[27]詹政,王铁山.中印金融服务外包的竞争格局与策略[J].商业研究,2009(2)：104-106.
[28]金融危机下中国软件外包赶超印度机遇来临[N].中国计算机报.2009-0715http:// www.ccgp.gov.cn/gysh/itch/itzx/938188.shtml
[29]杨琳,王佳佳.金融服务外包：国际趋势与中国选择.人民出版社,2008(11).
[30]中国服务外包研究中心.中国金融服务外包发展报告2008.上海交通大学出版社,2009(5)：68-79.
[31]人民银行成都分行支付结算处调研组.西部金融中心的新亮点——成都金融后台服务中心调研报告[J].西南金融,2007(10)：19-21.