摘要
商业银行服务外包的规模和发展潜力巨大,占据了金融服务外包的主导地位。本文根据巴塞尔委员会主导的联合论坛出台的《金融服务外包文件》列举的风险类型进行分类、合并,构建一个关于商业银行服务外包风险的评价指标体系。在基于SEM模型上,运用SPSS、AMOS等统计软件进行定量的实证研究。通过研究,得出如下结论:战略风险、财务风险、人力风险和操作风险与绩效呈显著负相关,而系统风险和信用风险与绩效不则不存在显著负相关关系。
With a great potential in scale and development,the service outsourcing of the commercial banks is a dominant in financial service outsourcing.Based on the risk category listed in Outsourcing in Financial Services issued by a joint forum led by the Basel Committee,the thesis makes classification and combination to build up a risk evaluation index system for service outsourcing of the commercial banks.Based on the SEM model,it uses statistical software such as SPSS,AMOS to conduct quantitative and empirical research.Conclusions are drawn that a significant negative correlation exist between performance and risks in terms of strategy,accounting and human resource while the risks in system and credibility don't present a significant negative correlation with performance.
出处
《上海金融》
CSSCI
北大核心
2012年第7期105-108,119,共4页
Shanghai Finance
基金
江苏省高校哲社项目(2010SJD630011)
江苏省大学生实践创新训练计划项目资助
关键词
商业银行
服务外包
评价体系
风险控制
Commercial Bank
Services Outsourcing
Evaluation System
Risk Control
