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金融IT服务外包业困境

来源: 南方日报网络版     时间: 2019年10月24日 07:36:08
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(  “整)(个)(银)(行)(IT外)(包)(行)(业)(,绝)(大)(多)(数)(企)(业)(都)(在)(赔)(本)(赚)(吆)(喝)(。”一)(家)(银)(行)(IT服)(务)(外)(包)(公)(司)(负)(责)(人)(如)(此)(感)(慨)(。
  所)(谓)(银)(行)(IT服)(务)(外)(包)(,主)(要)(是)(银)(行)(非)(核)(心)(业)(务)(系)(统)(流)(程)(的)(IT外)(包)(,比)(如)(银)(行)(将)(企)(业)(与)(银)(行)(之)(间)(的)(对)(账)(系)(统)(流)(程)(、贷)(后)(审)(查)(环)(节)(的)(企)(业)(财)(务)(数)(据)(收)(集)(系)(统)(、客)(户)(关)(系)(管)(理)(流)(程)(交)(给)(专)(业)(的)(IT公)(司)(设)(计)(研)(发)(。
  随)(着)(国)(内)(经)(济)(增)(速)(放)(缓)(与)(利)(率)(市)(场)(化)(的)(双)(重)(冲)(击)(,越)(来)(越)(多)(的)(银)(行)(感)(受)(到)(盈)(利)(压)(力)(,纷)(纷)(将)(重)(复)(性)(的)(非)(核)(心)(或)(核)(心)(业)(务)(流)(程)(外)(包)(给)(供)(应)(商)(,降)(低)(成)(本)(的)(同)(时)(提)(高)(服)(务)(效)(率)(。尤)(其)(是)(城)(商)(行)(等)(中)(小)(银)(行)(对)(外)(包)(业)(务)(的)(需)(求)(更)(为)(旺)(盛)(。
  一)(位)(业)(内)(人)(士)(直)(言)(,目)(前)(国)(内)(银)(行)(IT服)(务)(外)(包)(的)(市)(场)(规)(模)(约)(在)(400亿)(-500亿)(元)(,每)(年)(至)(少)(有)(20%的)(增)(长)(。
  然)(而)(,这)(个)(看)(似)(迅)(速)(增)(长)(的)(蓝)(海)(市)(场)(,却)(陷)(入)(全)(行)(业)(亏)(损)(的)(怪)(圈)(,以)(至)(于)(不)(少)(企)(业)(急)(切)(寻)(找)(转)(型)(自)(救)(的)(办)(法)(。
  “人)(力)(成)(本)(飙)(涨)(与)(项)(目)(价)(格)(战)(对)(行)(业)(良)(性)(发)(展)(的)(冲)(击)(,短)(期)(内)(不)(会)(有)(太)(大)(缓)(解)(。”一)(位)(业)(内)(人)(士)(坦)(言)(。
  价)(格)(战)(致)(亏)(损)(困)(境)(
  在)(上)(述)(银)(行)(IT服)(务)(外)(包)(公)(司)(负)(责)(人)(看)(来)(,国)(内)(银)(行)(IT服)(务)(外)(包)(之)(所)(以)(陷)(入)(赔)(本)(赚)(吆)(喝)(的)(困)(境)(,主)(要)(有)(两)(个)(原)(因)(,一)(是)(近)(年)(人)(力)(成)(本)(大)(幅)(飙)(涨)(,二)(是)(在)(资)(本)(的)(推)(动)(下)(,不)(少)(企)(业)(基)(于)(IPO需)(要)(,不)(惜)(成)(本)(地)(用)(低)(价)(竞)(标)(策)(略)(扩)(大)(市)(场)(份)(额)(,导)(致)(价)(格)(战)(越)(演)(越)(烈)(。
  “几)(年)(前)(,2万)(元)(/人)(、月)((包)(括)(工)(资)(、四)(险)(一)(金)(、差)(旅)(费)(用)(等)()的)(人)(力)(成)(本)(支)(出)(,就)(能)(聘)(请)(一)(位)(水)(准)(不)(错)(的)(银)(行)(IT工)(程)(师)(,现)(在)(同)(样)(的)(价)(格)(,只)(能)(请)(来)(大)(学)(毕)(业)(生)(。”他)(如)(此)(形)(容)(人)(力)(成)(本)(的)(飙)(涨)(幅)(度)(。
  他)(认)(为)(,这)(引)(发)(了)(一)(系)(列)(恶)(性)(循)(环)(,比)(如)(银)(行)(对)(IT外)(包)(服)(务)(不)(满)(程)(度)(增)(加)(,但)(又)(不)(愿)(增)(加)(投)(入)(。
  一)(家)(城)(商)(行)(IT部)(门)(主)(管)(表)(示)(,当)(前)(银)(行)(对)(IT外)(包)(商)(服)(务)(的)(不)(满)(意)(,主)(要)(集)(中)(在)(两)(个)(方)(面)(:一)(是)(部)(分)(企)(业)(的)(IT工)(程)(师)(不)(注)(重)(银)(行)(数)(据)(信)(息)(的)(安)(全)(性)(,时)(常)(出)(现)(数)(据)(泄)(露)(或)(出)(错)(现)(象)(;二)(是)(越)(来)(越)(多)(的)(IT工)(程)(师)(不)(了)(解)(银)(行)(的)(具)(体)(业)(务)(流)(程)(,在)(设)(计)(IT系)(统)(过)(程)(中)(需)(要)(银)(行)(内)(部)(员)(工)(花)(费)(大)(量)(时)(间)(精)(力)(从)(旁)(指)(导)(操)(作)(,额)(外)(增)(加)(了)(银)(行)(工)(作)(负)(担)(。
  “考)(虑)(到)(银)(监)(会)(对)(非)(驻)(场)(金)(融)(服)(务)(外)(包)(的)(监)(管)(流)(程)(异)(常)(严)(格)(,我)(们)(只)(能)(把)(外)(包)(商)(的)(IT工)(程)(师)(请)(来)(工)(作)(,但)(有)(些)(工)(程)(师)(的)(工)(作)(效)(率)(可)(能)(比)(不)(上)(银)(行)(内)(部)(IT员)(工)(。”上)(述)(城)(商)(行)(IT部)(门)(主)(管)(直)(言)(。
  比)(如)(,为)(了)(确)(保)(某)(些)(业)(务)(流)(程)(的)(IT外)(包)(环)(节)(不)(再)(出)(错)(,他)(所)(在)(的)(城)(商)(行)(职)(工)(委)(员)(会)(专)(门)(出)(资)(发)(起)(了)(一)(家)(IT公)(司)(,聘)(请)(第)(三)(方)(专)(门)(测)(试)(各)(项)(IT服)(务)(外)(包)(项)(目)(是)(否)(存)(在)(漏)(洞)(,在)(降)(低)(银)(行)(自)(身)(人)(力)(成)(本)(的)(同)(时)(确)(保)(业)(务)(流)(程)(安)(全)(。
  上)(述)(银)(行)(IT服)(务)(外)(包)(企)(业)(负)(责)(人)(指)(出)(,要)(建)(立)(一)(支)(满)(足)(银)(行)(IT服)(务)(外)(包)(需)(求)(的)(10人)(项)(目)(组)(,至)(少)(需)(要)(2-3名)(业)(务)(骨)(干)(,并)(花)(费)(2-3年)(时)(间)(让)(这)(个)(团)(队)(成)(员)(累)(积)(相)(关)(工)(作)(经)(验)(,加)(之)(研)(发)(费)(用)(的)(投)(入)(,相)(应)(的)(团)(队)(人)(力)(成)(本)(每)(月)(至)(少)(需)(要)(数)(十)(万)(元)(,基)(本)(占)(据)(某)(个)(银)(行)(IT服)(务)(外)(包)(项)(目)(的)(大)(部)(分)(利)(润)(。
  在)(人)(力)(成)(本)(不)(断)(提)(高)(的)(同)(时)(,外)(包)(商)(的)(报)(价)(依)(然)(不)(高)(。IT服)(务)(外)(包)(企)(业)(的)(报)(价)(主)(要)(分)(成)(两)(种)(,一)(是)(将)(某)(些)(银)(行)(业)(务)(流)(程)(的)(整)(体)(IT系)(统)(解)(决)(方)(案)(作)(为)(报)(价)(依)(据)(,二)(是)(纯)(粹)(以)(IT工)(程)(师)(外)(包)(人)(数)(作)(为)(报)(价)(基)(础)(。由)(于)(前)(者)(能)(向)(银)(行)(提)(供)(额)(外)(的)(业)(务)(流)(程)(优)(化)(操)(作)(建)(议)(,报)(价)(往)(往)(比)(后)(者)(高)(出)(不)(少)(,因)(此)(后)(者)(具)(备)(较)(强)(的)(价)(格)(优)(势)(。
  而)(这)(些)(公)(司)(的)(盈)(利)(模)(式)(,是)(在)(资)(本)(的)(推)(动)(下)(,尽)(可)(能)(通)(过)(低)(价)(竞)(标)(赢)(得)(大)(量)(市)(场)(份)(额)(,最)(终)(完)(成)(上)(市)(实)(现)(资)(本)(收)(益)(。
  在)(银)(行)(的)(角)(度)(,引)(入)(一)(个)(新)(的)(业)(务)(流)(程)(IT系)(统)(,整)(个)(银)(行)(系)(统)(势)(必)(都)(要)(做)(出)(相)(应)(的)(调)(整)(。部)(分)(中)(小)(银)(行)(在)(每)(年)(IT投)(入)(相)(对)(有)(限)(的)(情)(况)(下)(,只)(能)(优)(先)(考)(量)(降)(低)(成)(本)(的)(选)(择)(。
  尽)(管)(市)(场)(赚)(钱)(难)(,但)(外)(包)(企)(业)(并)(不)(愿)(意)(放)(弃)(正)(在)(迅)(速)(增)(长)(的)(中)(国)(市)(场)(。部)(分)(IT外)(包)(商)(甚)(至)(依)(靠)(海)(外)(市)(场)(的)(盈)(利)(补)(贴)(中)(国)(市)(场)(的)(亏)(损)(。
  “前)(两)(年)(这)(种)(做)(法)(还)(行)(得)(通)(,现)(在)(却)(是)(作)(茧)(自)(缚)(。”一)(家)(外)(资)(金)(融)(IT服)(务)(外)(包)(公)(司)(大)(中)(华)(区)(总)(裁)(透)(露)(,一)(方)(面)(国)(内)(人)(力)(成)(本)(大)(涨)(,加)(上)(近)(期)(日)(元)(持)(续)(大)(幅)(贬)(值)(,来)(自)(日)(本)(的)(银)(行)(IT服)(务)(外)(包)(业)(务)(基)(本)(没)(有)(盈)(利)(空)(间)(;另)(一)(方)(面)(原)(先)(利)(润)(相)(对)(丰)(厚)(的)(欧)(美)(银)(行)(IT服)(务)(外)(包)(业)(务)(,正)(受)(到)(印)(度)(企)(业)(的)(强)(烈)(竞)(争)(。
  他)(估)(算)(,目)(前)(印)(度)(有)(些)(金)(融)(IT服)(务)(外)(包)(企)(业)(的)(人)(力)(成)(本)(仅)(占)(上)(海)(同)(行)(的)(1/2-1/3,迫)(使)(国)(内)(企)(业)(不)(得)(不)(降)(低)(报)(价)(维)(系)(市)(场)(竞)(争)(力)(。“以)(前)(欧)(美)(市)(场)(的)(相)(关)(业)(务)(利)(润)(率)(约)(在)(20%-30%,但)(现)(在)(有)(些)(项)(目)(不)(足)(10%。”
  转)(型)(自)(救)(路)(径)(
  上)(述)(外)(资)(金)(融)(IT服)(务)(外)(包)(公)(司)(大)(中)(华)(区)(总)(裁)(认)(为)(,国)(内)(金)(融)(IT服)(务)(外)(包)(企)(业)(转)(型)(自)(救)(的)(措)(施)(主)(要)(有)(两)(种)(:一)(是)(加)(强)(研)(发)(投)(入)(形)(成)(独)(特)(的)(产)(品)(服)(务)(优)(势)(,让)(银)(行)(看)(到)(某)(些)(业)(务)(流)(程)(IT解)(决)(方)(案)(能)(给)(银)(行)(带)(来)(风)(险)(管)(理)(优)(势)(,从)(而)(获)(得)(不)(错)(的)(业)(务)(发)(展)(空)(间)(。
  例)(如)(,在)(银)(行)(贷)(后)(检)(查)(环)(节)(,以)(往)(由)(客)(户)(经)(理)(向)(企)(业)(索)(取)(最)(新)(财)(务)(数)(据)(,其)(中)(难)(免)(存)(在)(道)(德)(风)(险)(,即)(客)(户)(经)(理)(有)(可)(能)(填)(写)(数)(据)(美)(化)(财)(务)(报)(表)(,掩)(盖)(企)(业)(贷)(款)(风)(险)(。如)(果)(银)(行)(IT服)(务)(外)(包)(企)(业)(能)(够)(提)(供)(专)(门)(的)(IT系)(统)(与)(业)(务)(流)(程)(,派)(遣)(第)(三)(方)(机)(构)(员)(工)(到)(各)(个)(贷)(款)(企)(业)(采)(集)(财)(务)(数)(据)(,直)(接)(归)(集)(至)(银)(行)(风)(控)(总)(部)(,就)(能)(降)(低)(道)(德)(风)(险)(发)(生)(概)(率)(。
  再)(如)(,在)(企)(业)(与)(银)(行)(对)(账)(环)(节)(,以)(往)(也)(是)(由)(客)(户)(经)(理)(将)(账)(单)(送)(交)(企)(业)(,其)(间)(可)(能)(出)(现)(客)(户)(经)(理)(修)(改)(企)(业)(存)(款)(数)(据)(,掩)(盖)(企)(业)(资)(金)(被)(挪)(用)(的)(情)(况)(。若)(银)(行)(IT服)(务)(外)(包)(企)(业)(能)(够)(以)(分)(行)(为)(服)(务)(单)(位)(,设)(计)(专)(门)(的)(IT系)(统)(与)(业)(务)(流)(程)(,由)(第)(三)(方)(机)(构)(员)(工)(负)(责)(向)(企)(业)(送)(交)(账)(单)(,同)(样)(能)(避)(免)(类)(似)(风)(险)(出)(现)(。
  而)(第)(二)(种)(转)(型)(方)(向)(则)(是)(,直)(接)(切)(入)(银)(行)(的)(核)(心)(业)(务)(系)(统)(IT服)(务)(外)(包)(,蜕)(变)(为)(银)(行)(某)(些)(关)(键)(业)(务)(流)(程)(的)(管)(理)(商)(。
  随)(着)(银)(监)(会)(相)(关)(部)(门)(先)(后)(出)(台)(《关)(于)(应)(用)(安)(全)(可)(控)(信)(息)(技)(术)(加)(强)(银)(行)(业)(网)(络)(安)(全)(和)(信)(息)(化)(建)(设)(的)(指)(导)(意)(见)(》(银)(监)(发)(〔2014〕39号)()与)(《银)(行)(业)(应)(用)(安)(全)(可)(控)(信)(息)(技)(术)(推)(进)(指)(南)((2014-2015年)(度)()》(银)(监)(办)(发)(〔2014〕317号)(),让)(不)(少)(国)(内)(银)(行)(IT服)(务)(外)(包)(商)(看)(到)(这)(种)(转)(型)(发)(展)(的)(契)(机)(。
  按)(照)(银)(监)(会)(39号)(文)(的)(要)(求)(,两)(个)(量)(化)(指)(标)(将)(纳)(入)(各)(行)(2015年)(年)(度)(考)(核)(:一)(是)(从)(2015年)(起)(,各)(银)(行)(业)(金)(融)(机)(构)(对)(安)(全)(可)(控)(信)(息)(技)(术)(的)(应)(用)(以)(不)(低)(于)(15%的)(比)(例)(逐)(年)(增)(加)(,直)(至)(2019年)(达)(到)(不)(低)(于)(75%的)(总)(体)(占)(比)((2014年)(应)(用)(的)(技)(术)(和)(产)(品)(可)(纳)(入)(2015年)(度)(计)(算)();二)(是)(2015年)(起)(,银)(行)(业)(金)(融)(机)(构)(应)(安)(排)(不)(低)(于)(5%的)(年)(度)(信)(息)(化)(预)(算)(,专)(门)(用)(于)(支)(持)(本)(机)(构)(围)(绕)(安)(全)(可)(控)(信)(息)(系)(统)(开)(展)(前)(瞻)(性)(、创)(新)(性)(和)(规)(划)(性)(研)(究)(,支)(持)(本)(机)(构)(掌)(握)(信)(息)(化)(核)(心)(知)(识)(和)(技)(能)(。
  “尽)(管)(市)(场)(传)(闻)(相)(关)(政)(策)(也)(可)(能)(暂)(缓)(实)(施)(,但)(对)(国)(内)(金)(融)(IT服)(务)(外)(包)(商)(而)(言)(,这)(将)(是)(一)(个)(加)(深)(与)(银)(行)(合)(作)(的)(机)(会)(。”前)(述)(城)(商)(行)(IT部)(门)(主)(管)(认)(为)(。银)(行)(同)(样)(需)(要)(引)(入)(最)(新)(的)(外)(部)(信)(息)(安)(全)(技)(术)(,满)(足)(相)(关)(政)(策)(的)(要)(求)(。
  在)(不)(少)(国)(内)(银)(行)(IT服)(务)(外)(包)(企)(业)(看)(来)(,其)(中)(要)(磨)(合)(的)(问)(题)(仍)(然)(不)(少)(,国)(内)(银)(行)(现)(有)(业)(务)(流)(程)(外)(包)(环)(节)(还)(不)(够)(规)(范)(,比)(如)(双)(方)(合)(同)(约)(定)(的)(IT外)(包)(工)(作)(量)(、效)(果)(检)(测)(要)(求)(、业)(务)(流)(程)(IT设)(计)(架)(构)(仍)(然)(不)(够)(规)(范)(,时)(常)(出)(现)(银)(行)(突)(然)(增)(加)(新)(要)(求)(而)(反)(复)(修)(改)(IT系)(统)(的)(情)(况)(,造)(成)(外)(包)(业)(务)(盈)(利)(困)(难)(。
  “我)(们)(最)(担)(心)(的)(是)(一)(旦)(银)(行)(IT部)(门)(负)(责)(人)(出)(现)(更)(替)(,就)(可)(能)(出)(现)(推)(倒)(重)(来)(的)(状)(况)(,如)(此)(成)(本)(开)(支)(将)(大)(幅)(上)(涨)(。”一)(位)(国)(内)(银)(行)(IT服)(务)(外)(包)(企)(业)(项)(目)(负)(责)(人)(感)(慨)(道)(。
  但)(他)(认)(为)(,目)(前)(行)(业)(遇)(到)(的)(最)(严)(峻)(挑)(战)(,仍)(然)(是)(资)(本)(的)(介)(入)(,在)(某)(种)(程)(度)(上)(打)(乱)(了)(行)(业)(转)(型)(自)(救)(的)(征)(途)(。在)(资)(本)(的)(推)(动)(下)(,不)(少)(企)(业)(四)(处)(高)(薪)(挖)(人)(,并)(进)(一)(步)(压)(低)(价)(格)(争)(夺)(市)(场)(份)(额)(,造)(成)(人)(力)(成)(本)(持)(续)(居)(高)(不)(下)(,而)(项)(目)(盈)(利)(变)(得)(遥)(遥)(无)(期)(。
  “即)(便)(这)(些)(企)(业)(最)(终)(在)(资)(本)(的)(推)(动)(下)(实)(现)(上)(市)(,现)(在)(也)(意)(识)(到)(了)(市)(场)(恶)(性)(竞)(争)(的)(苦)(果)(。”他)(强)(调)(说)(,目)(前)(部)(分)(上)(市)(公)(司)(不)(得)(不)(剥)(离)(某)(些)(无)(法)(盈)(利)(的)(金)(融)(IT服)(务)(外)(包)(业)(务)(,以)(免)(拖)(累)(整)(个)(公)(司)(业)(绩)(。
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