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伴随经济的快速发展,中小银行(含农信社改制的农合行、农商行)业务快速发展,信息科技应用水平持续提升,一方面提高业务交易的方便快捷,降低管理成本和交易花费;另一方面信息科技过度渗透到业务、管理的各环节,其对科技过度依赖及由此产生的风险却在加剧,信息科技风险问题突出,已经成为影响中小银行业务连续性和经营稳健性的重要因素。本文选取中小银行利用信息技术加强风险管理的几个重要实践,主要包括建立网络备份中心机房、启用虚拟化技术建立应用系
With the rapid economic development, small and medium-sized banks (including ABC and Agricultural Bank of China) have witnessed rapid development of business in the area of information technology. On the one hand, they improve the convenience of business transactions and reduce management costs and transaction costs. On the one hand, excessive penetration of information technology into all aspects of business and management has exacerbated the risks of over-dependence on science and technology and highlighted the risks of information technology. It has become an important factor affecting the continuity and sound management of small and medium-sized banks . This article selects several important practices that small and medium-sized banks use information technology to strengthen risk management, including establishing a network backup center computer lab, enabling virtualization technology to establish applications