商业银行业务软件项目风险管理研究
摘  要：商业银行是现代市场经济中的金融主体，对宏观经济有着举足轻重的影响；而同时也是一台“风险机器”，它承担风险，转移风险，并且还将风险植入其金融软件产品，并通过这些系统在提供服务的过程中再出售风险。因此，商业银行自身抵御软件系统风险的能力就显得非常重要。
软件风险管理就是对影响软件项目、过程或产品的风险进行估计和控制的实践过程，也是为了解决影响软件项目、过程或产品的风险而制定的准则。当前软件业对软件风险管理的研究越来越重视，在理论上对软件风险进行了分类，提出了风险管理的思路，在实践上也出现了一些定量管理风险的方法和风险管理的软件工具。然而，随着社会需求和计算机硬件能力的提高，软件的规模越来越大，复杂度越来越高，由于时间紧、任务重、项目多、可支配开发人员稀缺等等，均会给软件开发项目带来各种风险，软件项目不能满足需求方的要求、超支、延时的现象十分普遍，对这些软件项目的灾难，许多事后调查分析发现，如果这些公司对识别和消除高风险因素进行提前准备，在项目实施的过程中不断进行风险管理，这些问题是可以避免或减少其影响的结果，因此，软件的需求方和承包商都非常关心哪些因素导致软件项目的失败？这些因素对项目的影响有多大？怎么样控制这些因素？这些都属于软件项目风险管理问题。
本文研究正是基于商业银行软件项目风险管理存在的问题，主要探讨在各商业银行数据大集中信息化条件下，商业银行如何预估软件项目所带来的风险，并如何做好软件项目风险管理。
关键词：商业银行；软件项目；风险管理

Abstract: The commercial bank is a financial corpus within modern market economy, having the prominent influence to the macroscopic economy; but also is a set of “risk machine”, it undertakes the risk, transfer the risk, and return to transplant the risk into its financial software product, and pass these systems to sell again the risk in provide ministrant process. Therefore, the commercial bank oneself resists the ability of the software system risk to seem to be count for much.
Software risk management is the practice course to influence the risks of software project, course or the products to estimate and control, it is also the criterion made in order to it influences the risks of software project, course or the products to solve. The study on software r无忧论文 【http://www.uklunwen.com】isk management of the software industry is paid attention to more and more at present, classifies the risk of the software in theory, have proposed the thinking of risk management, and the methods of quantitative managing risk and software tool of risk management has also been presented in practice. With the improvement of social demands for software and ability of computer hardware, the scale of software becomes larger and more complicated. The software programs cannot satisfy the needs of users. The phenomenon of delaying and out of budget in implementing software programs is popular. After the investigation and analysis of these phenomena, it has been found that if these companies had prepared for identifying and eliminating the high-risky factors which would cause the risk and managed and controlled risks in the process of implementing the programs, those problems would be avoided and the negative effects would be reduced. Therefore, both the suppliers and the demanders of software are concerned about what factors will lead to the failure of software programs? What is the influence that the factors play on those programs? How to put those factors under control? All the questions above belong to software program risk management.
Main study of this text under the condition of each commercial bank data is big concentrated information-based, commercial bank how to evaluate and estimate the risk that the native special features software item bring, and how to work well the