triển khai đề án phát triển CNTT tại ngân hàng phát triển việt nam VDB e

Accordingly banks core application software called CORE-BANKING according to international standards for the management and deployment of their professional activities.. After 2 years of

I INTRODUCTION

Name: The Vietnam Development Bank

Year of Establishment: 2006

Capital: VND 10.000 billion

Asset size: VND 300.000 billion AND plan to VND 500,000 billion by 2020

Address: 25 A Cat Linh, Dong Da, Hanoi

Tel: 04.37365 659

Fax: 04 37 365 672

Website: http://www.vdb.gov.vn

In the system of banking and credit institutions in Vietnam, VDB has a special place and serves as an effective tool of government investment in the social economic development of the country With the strategic direction developed into a modern banking professional, decreasing reliance on budget, VDB can not build and develop a modern IT system This causes pressure but also opens up a great opportunity for the development of IT systems In the context of the VDB can not even build yourself a strategic roadmap for IT development, the construction and deployment of IT projects will develop feasibility and applicability in the short and medium term activities, an important contribution to creating a solid foundation for the later IT’s development of the VDB

1 The purpose of the project:

The research project, assess the status of the VDB’s IT which proposes general requirements are oriented towards the overall IT system

(1) Develop a modern IT system to meet the operational requirements

(2) Maintaining, strengthening and human resource development in both quality and quantity

(3) Enhance the quality, efficiency in the exploitation, processing and providing information for executive leadership at all levels

(4) To study and formulate and promulgate shortening mechanisms, processes of

procedures implementing IT projects in the framework of compliance with the legal requirements of the State

2 The Scope of the project

The scheme is applied to study systems of the whole IT industry VDB (including the Headquarters and Exchanges branch VDB) The scheme stops at research, assess the status of the VDB IT systems, from which the proposed solution, the basic tasks to be carried out The solution detailed technology roadmap, cost estimates only the overall level

To ensure the feasibility, the scheme applies to the period from 2014 to 2019 and

2030 taking into account the views

II ASSESSMENT OF REAL SITUATION IT SYSTEM OF VDB

Here's assessment, detailed analysis of the contents of each IT system in the VDB:

1 Infrastructure, IT equipments

1.1 IT Equipments

a) Procurement, handed use

Currently, the VDB was basically fully equipped for all sectors of IT equipment according to the annual procurement plan Procurement slower than current requirements arise, the usual round of shopping deploy a 2 year / time

b) The management, warranty maintenance and disposal of IT equipment: The computing devices are at the center of IT management and IT department at the branches / transaction offices, every 3 months / time units reported the use of IT equipment in HSC (Center IT)

1.2 Network communication.

VDB has implemented projects to upgrade communications infrastructure with 3

stages of development, so far completed the implementation of the third stage

VDB network model is divided into 3 regions Center VDB has hired two channels of two different providers, not by each other's common infrastructure and FPT VNTP to

Thus, the communication network of the VDB was completely meet the requirements, the basis for the deployment of value added services such as online conferencing, internal phone on this system

1.3 System data center and backup center

VDB has succeeded in deploying centralized data at Head Quarter, however, in the current Head Quarter is not really data centers (Data Center) in accordance with standards which only contains the server room

Currently, the VDB no backup center, but just a simple backup at least "double the critical IT equipment"

Data Center (and backup center) basis, is very important conditions for implementing the project of modernization of the VDB in the future This is an important weakness of the current VDB

2 Application Systems

2.1 Core banking

Thanks to funding from the World Bank, the bank deployed in Vietnam modernization projects, sub-projects, including IT Accordingly banks core application software (called CORE-BANKING) according to international standards for the management and deployment of their professional activities

After 2 years of construction and development, software VDB online now serves as the VDB's CORE software, have created an important step to VDB gradually standardized and complete business processes, thereby:

- Control the whole industry data accurately and timely

- Reduce the number of reports that must be sent to the Head Quarter branch

- To raise the whole industry officials, how to implement change jobs

- Greatly reduce errors by automating accounting

- Unified client management, responsive focus VDB payments

However, after about 3 years of use , the software has exposed some shortcomings as follows :

- No cover all the operational activities segment of the VDB

- The stability of the software is not high Software technology obsolete over time , the expansion / complementary increasingly limited operations

- The system is overloaded or when the number of transactions

- Reporting system integrated with transactional systems

- Depending on the partners have not yet reached the level of a professional class Global Core – banking

Replacing software using software online VDB - CORE BANKING modern international standards are essential needs However, the change to using the CORE -BANKING from abroad is complex, costly and resource requires drastic in the project work This is the biggest problem of IT systems in the current VDB

2.2 The satellite software (software outside the Core)

For the VDB, the software now has the following satellites:

• Manage security key

• Manage billing Son Hydropower

• Electronic Payment Interbank

The above satellite software is working well and meet the requirements of the VDB

2.3 Software reports for executive management

To perform automatic begin exporting report output for the operation, this software rendered report with data obtained from the data warehouse software VDB online:

Reporting system operator serving HO Report

Statistical reporting system sends SB

Software search whole industry information

2.4 Other software tool

This is the software tool for the purpose of serving other independent data relative to the trading system daily operations of the VDB

The software currently meet the basic requirements of the unit, related parts In the future will develop 2 integrated e-mail system above into a single system with new technology in order to facilitate the use and management of the entire branch

2.5 The software platform other systems

This is a separate software to serve the development, management of IT infrastructure, including systems software such as operating systems, software, database management, software operating equipment, software tools, middleware software, antivirus software, security etc

III SWOT ANALYSIS OF IT SYSTEMS VDB

1 Strengths of IT systems

Up to now IT systems has VDB has strengths as follows:

- Concentration data, data management unified whole industry daily

- Data not misleading

- IT system has become the means indispensable goods

- Meet the basic requirements for operating daily services and reporting the state agency

- Head Quarter Allows monitoring and control of the entire branch operations

- To permit specific types of transactions "forward - reverse - switch - adjustment" of the VDB

Overall, the current IT system has made progress but still not really meet all current requirements and development trend in the future, weighs about serving the needs of the

VDB activity level, still many of the VDB array operations have not been computerize

2 The weakness of the IT system:

IT Systems VDB also some limitations:

- The supply / additional equipment for the entire sector usually slower than required due process procedures lasting investment

- No data center and backup center standards

- VDB core software online has many shortcomings, limitations and processing technology, not CORE modern international standards

- Multiple arrays are not professional computerization: Managing collateral loan, auto loan classification, ODA management, underwriting

- Data warehouses are not standardized reporting software remain the simple , yet professional

- Deploy software applications difficult because business processes are not stable , determine needs professional management and selection of building software The level

of interest of many business units in IT is not high , is not standardized and consistent lack of management targets

- No built -quality process management software , use the software effectively uneven

- IT workforce was thin , the training has not improved and in-depth

- The IT security has not been evaluated , independent reviews No central management and control is the use of IT equipment end users No building was modernized IT strategy methodology and vision systems from the international organization of professional consultants

3 The opportunity to build IT systems for VDB

Thus, the current IT systems only meet business needs in the short term With strategic orientation VDB developed into a powerful financial institution on a par with national development banks in the region, the need for modernization of the VDB

information systems becomes more urgent than ever Could be confirmed: right now, if not improved rapidly, developing information systems, the information systems VDB will not be able to meet the development of the VDB system in future

4 Challenges when building IT systems for VDB VN

- The software is mainly applied in the VDB hire external partners to build , IT Center serves as a bridge to the business units to the construction of professional problems for partners deploy our software development then accept the transfer of technology and operational management support later

In the process of deploying software projects have encountered difficulties when doing so :

- Identify the topic in detail difficult, prolonged, or slow to change project

- The difficulty in choosing partners build / deploy many risks and resources of partner experience

- Decree 102/2009/ND-CP and the implementing guidelines difficult to apply in the context of the VDB deployment than IT projects This caused major delays for VDB wasting resources :

o It takes more time and manpower to prepare

o Lost opportunity costs of operations while the slow deployment of IT projects ;

o Another issue , not only for the banking sector , which is a waste because information technology equipment depreciation

IV COMPARED TO COMPETITORS IN THE INDUSTRY

Vietnam Development Bank is a tool for implementing policies to economic development - economic development of the country Activity of the Vietnam Development Bank for non-profit purposes, the required reserve ratio of 0% (zero

percent), not insured deposits Development Bank by the Government to ensure solvency, are exempt from taxes and the state budget as prescribed by law

So no rival industry competition Other financial institutions in the world similar

in the framework of the subject article without any conditions studied for comparison

V EXPERIENCE IMPLEMENTING IT MODERNIZATION IN SOME COMMERCIAL BANK OF VIETNAM

1 Building the strategy IT development

* Overview of IT the strategy development commercial banks

IT Strategy depends on the business strategy of the bank The Bank's strategy is clear as a basis to build IT the strategy, in which each step must be the goal of building human resources, communications, hardware, software, IT strategy may need to be adjusted to suit the trends of IT and operations of banks

* Experience consultant selection

Most of the big consultants (PWC, IBM, Deloitte ) there are names will be required to meet the bank's advice Important here not to choose a consultant that is selected personnel needed to meet the requirements and job counseling

Special factors counseling abroad, banks require 100% permanent work in Vietnam or at least 3 days a week to facilitate exchange and work Language barrier was quite difficult problems when working with foreign partners, eliminate barriers, VietinBank and BIDV has recruited a team of translators to work with consultants

2 Converting core-banking

* Hiring consultants for core converted

- The selection of hire consultants core switch

The advice from the commercial banks are choosing to hire consultants core-banking transformation The consultant basically working, thinking, problem approach overall nature

It is from the experience, knowledge and objectivity of the consultant, they have high influence, capable of convincing leadership

VietinBank that commercial banks have a standard business and has extensive experience in implementing Core Banking VietinBank therefore choose not to hire consultants that core self-realization learn, choose some appropriate core (based on hit list price: http://www.inntron.com/core_banking.html) But VietinBank still have to hire

a consultant to write the Bidding Documents and monitor implementation (VietinBank hire-PWC PricewaterhouseCoopers)

- The main content of the consultants core converted choose

Before you make a new model should assess the limitations of the current system core, which determine the direction of the current core:

+ Upgrade Core

+ Or replace the core,

- How to approach and selected a short list of some core - banking Most banks have views towards narrowing the core strategy : not every application integrated into the core software , the building complex software core for easy external

Each core systems have strengths and weaknesses , the bank must choose the most suitable system for banks , not modern but selected core is inconsistent with the bank

- Standardize professional opinion when switching core - banking Each bank scale , organizational structure , operational strategy , business process , accounting furniture , different choices must therefore be banking technology ( IT not ) most appropriate for you to modify to avoid core

- Require providers demonstrated capacity ( POC ) in selected core processes

When the request for POC only given input data and achieve goals , not detailed implementation steps as this will inadvertently impose the old process of core banking

system of the contractor , the this worked very hard to achieve the desired effect The contractor shall state how it handles from the different evaluation and selection system that best suits the bank

- GAP ANALYSIS ( analysis of deviations between core systems and business systems ) in the process of implementing

GAP analysis ( analysis of deviations between the two systems and core business systems ) is important to consider the appropriateness of the core Parts of the banking business decisions 80 % of projects successfully implemented core (especially the GAP analysis ,

testing , )

* The way organizations deploy

Many reasons for the slow progress of the project , the biggest of which is how to manage the activities of the project

- Experience building reporting systems

The bank recommends building independent reporting systems outside the core system by requiring users always arise more and customizable reporting system in the core system can only meet in the basic report Therefore, the system should be split into

2 report system

+ Some immediate report print directly on the core operators meet the transaction reporting serve immediately

+ Some reports computational requirements, the processor should be separated into independent system data processing end date to restrict the report just recently traded in, especially late in the reporting system

VI SOLUTION MODERNIZATION IT SYSTEMS OF VDB

1. Focusing maintain current IT system to meet the maximum requirements under existing capabilities: