銀行核心交易系統採用SOA雲端運算服務探討之研究

An Exploratory Study on Applying SOA Cloud Computing Services on the Banking Transaction System

李志宏(Chih-Hung Lee)

指導教授 ： 黃天佑

中原大學/商學院/資訊管理研究所/碩士(2013年)

https://doi.org/10.6840/cycu201300220

摘要

近年來由於雲端運算服務之盛行，創造了一個開放的環境，新的技術產生後得以快速擴散與影響。企業的競爭不再侷限於同一區域、同一產業，而是來自全世界大小廠商；同產業甚至不同產業的廠商，都可能在很短時間成為直接競爭的對手。
金融機構開放設立的結果，卻導致銀行同業間激烈競爭，金融市場已由過去的寡占轉為完全競爭。除金融家數過多，銀行業務競爭激烈外，存放款利率差距縮小、獲利能力降低、逾期放款比率偏高、直接金融比重增加、產業外移與產業結構改變帶來的潛藏問題，也使得銀行授信風險隨之上升。
國內市場飽和，競爭激烈，迅速反應市場需求 是重要制勝關鍵。如何利用金控的優勢，交叉銷售，向上銷售。SOA雲端運算服務，不但可以降低成本，快速反應市場，更可以提供客戶最優質的服務，提昇客戶滿意度。進一步掌握優質的客戶，提供客戶最適切的服務，不但可以提升獲利 更可以提銀行的競爭力。如何滿足客戶的需求，資訊系統是不可或缺的重要環節。
本研究將利用文獻探討法與產業分析法探討銀行核心交易系統應用於SOA雲端服務的內涵，提出一套銀行核心交易系統採用SOA雲端服務方案進行管理整合，並使用雛型法來驗證在其SOA架構應用上之可行性。
因此銀行核心交易系統採用SOA雲端運算服務廣為運用，可讓資訊系統與銀行策略作緊密結合，資訊系統更可以依據銀行策略的調整作到彈性隨需的IT治理目標。

關鍵字

服務導向架構 ； 雲端運算服務 ； 銀行核心交易系統

並列摘要

In recent years, with popularity of Cloud Computing Service, an environment opened to the public is created wherein the new technology expands and cause effect rapidly. The competition between firms is no longer constricted within a region or industry that it comes from suppliers or manufacturers around the world; the supplier, no matter in the same industry or not, may become the opposite party in a direct competition.

The openness in the establishment of a financial institute causes keen competitive status between peer banking industry that the financial market has become all-inclusive competition from oligopoly; except too many financial institutes and keen competition, potential issues arisen out of the shortened gap of interest rate in the deposit/loan, reduction of profitability, excessively high rate of overdue loan, increased proportion of direct finance and change of industrial relocation, as well as industrial structure also rise up the risk of bank credit.

Domestic market saturation, keen competition and expedient response to the market demands are critical to the success, wherein the question of how to take advantages of financial holding company, criss-cross sales and upward sales constitute a majority party therewith. SOA Cloud Computing Service, not only reduces the costs and responds to market expediently, but also provides the superior level of service to the clients and rise up customer satisfaction. The advanced seize of superior leads and provision of the most considerable service to customers not only rise up profit, but also improve competitive power of bank. Information system becomes an essential part in the way a bank how to satisfy customers’ needs.

In the Study herein, Literature Review and Industry Analysis were used to discuss the inner meaning of applying banking transaction system to SOA Cloud Computing Service, wherein a set of banking transaction system was suggested and SOA Cloud Computing Service Project was adopted for managerial integration and Prototyping was used to validate the feasibility of SOA in the applications.

Therefore, banking transaction system uses SOA Cloud Computing Service widely can connect information system and bank’s strategy wherein the information system even can achieve goal of adjustable IT management with alignment of bank’s strategy.

並列關鍵字

Cloud Computing Service ； Banking Transaction System ； Service Oriented Architecture

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