我国银行业技术风险评级体系研究

URSIT是目前全球最具权威性的银行技术风险评级体系。技术风险是商业银行信息化建设过程中所衍生的一种风险，与银行业传统风险一起降低了银行业的运行绩效，因此，技术风险控制将逐渐上升为银行业风险控制的一个重要内容。技术风险评级体系的设计是银行业实施技术风险控制的基础性平台，我国银行业技术风险评级体系的设计一方面要借鉴于URSIT的评级标准，另一方面要密切结合我国银行业技术风险控制的现实性实践活动。验证性因子分析可以对理论体系的可靠性和有效性提供经验性解析，并揭示我国银行业信息技术风险控制中存在的若干现实性问题。

A Study of Rating System of Bank Technique Risk

URSIT is the most authoritative technique risk rating system of bank industry.The technique risk is a kind of risk rising from the information technique improvement process of commercial bank,and along with traditional risk,has cut down the banking operation performance,so the control of technique risk would become gradually the important content of whole risk control of commercial banking.The design of rating system of technique risk is the foundation platform,and this process not only should draw lessons from the URSIT rating standard but also maintain close ties with the actual practice of technique risk control of China's banking industry.The CFA may provide an empirical analysis for reliability and availability of theory system,and disclose many actual problems in the process of technique risk control of China's commercial banking.