银行行业信息化整体解决方案Confidential（内部资料，注意保密）中国移动通信集团湖北有限公司2024-11-17目录1行业现状及需求分析........................................................................................................51.1行业现状概述..........................................................................................................51.2典型企业组织架构..................................................................................................61.2.1银联...................................................................................................................61.2.2商业银行...........................................................................................................61.3客户业务特征描述..................................................................................................91.3.1银行业业务特征...............................................................................................91.3.2银行IT系统建设特点...................................................................................111.3.3总行业务与地方分行业务关系.....................................................................141.4典型客户业务流程................................................................................................151.4.1POS业务流程...................................................................................................151.4.2ATM业务流程...................................................................................................161.4.3客户账务处理流程.........................................................................................161.4.4无线客户关系管理流程.................................................................................171.5内外通信需求和现状............................................................................................171.5.1内部办公.........................................................................................................171.5.2生产监控.........................................................................................................181.5.3营销服务.........................................................................................................191.5.4业务需求特点.................................................................................................201.5.5业务需求的紧迫性.........................................................................................211.6客户决策流程（以及影响决策的主要因素）....................................................211.6.1决策流程.........................................................................................................211.6.2影响决策的主要因素.....................................................................................221.7分银行具体说明....................................................................................................231.7.1工商银行.........................................................................................................231.7.2农业银行.........................................................................................................251.7.3中国银行.........................................................................................................271.7.4建设银行.......................................................................................
