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

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 I 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 Page of 18 requirements of the State II 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: 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 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 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 stages of development, so far completed the implementation of the third stage Page of 18 VDB network model is divided into regions Center VDB has hired two channels of two different providers, not by each other's common infrastructure and FPT VNTP to avoid overload of daily transactions 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 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 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 Page of 18 - 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 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 Page of 18 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 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 III 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 Page of 18 IV 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 V 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 Page of 18 will not be able to meet the development of the VDB system in future VI 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 Page of 18 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 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 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 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 corebanking 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 Page of 18 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, * Experience in the implementation process - 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 control , improve system performance 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 Page of 18 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 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 VII Focusing  maintain  current  IT  system  to meet the  maximum requirements under existing capabilities: - Maintain and strengthen operational staff VDB software online Enhance personnel both in quality and quantity, promoting training Periodically reassess and Page 10 of 18 interested staff remuneration - Continue to rent for maintenance , technical support for this software - Extract from the report system gradually trading system to reduce the system load at the end of the month / year Accelerate the implementation of the project " VDB reporting system " - The solution proposed is specifically built data warehouse for reporting statistics for HSC -based multidimensional BI technologies ( BI - Business Intelligence ) is the processes and technologies that businesses / banks use to determine manage huge volumes of data , exploring knowledge helps enterprises can make the decisions more effectively in their business activities - Try to limit big business changes , the new generation is simply handled according to " detour " to match the unified process in VDB online program , to avoid breaking system was stable after years of operation - If the need arises to new business complex is separated into specific software , such as satellite software QL Son La hydropower Currently, software development trends are shrinking core banking functions of the module Core banking modernization only include modules : Credit , deposit , customer management and internal account management , other modules such as general requirements , branch management , reporting , billing , accounts trade , allocation and post-investment support , are separated into independent software connection to exchange data with core - banking via standard connections - Ensure operational infrastructure systems smoothly and timely replacement / additional equipment damage , fully depreciated To enhance good relationships with supply partners , hardware repair equipment necessary to support timely avoid interrupting operations - The business unit priorities exploit online data from the VDB , limited branch established requirements and send reports This requires both a challenge both in the Page 11 of 18 process of deploying VDB online - Integrated e-mail system with new technology to manage and use unified whole industry This is the first step to professionalize and modernize IT - VDB promulgate regulations to modify / standardization of statistical indicators, disaggregated targets to increase the efficient use of existing IT systems Overcoming the limitations of IT systems, through the implementation of the following solutions: - Develop and promulgate VDB internal processes to accelerate deployment of IT projects Decree 102/2009/ND-CP - Implement Data Center building ( Datacenter ) served as executive producer of the banking business The upgrade will be done easily without affecting existing systems as well as applications and services are being exploited - Implement projects Provision of IT systems VDB In the future , the goal to build redundant systems geographical distance is systematically than 30km - Hire consultants CORE choice for VDB CORE software deployment overseas to replace the VDB software online Core banking system is a module of basic operations such as bank deposits and loans , customers - Along with the implementation of application software , training end users to use the software has always been important to ensure that IT systems can operate effectively Deployment Project " VDB reporting system " to build data warehouses and standards applicable reporting tool professional, thus : - Implementing the AD (Active Directory) to manage the use of the computer industry for the end user, thereby tightening IT security management from head office to branches, the user has control informal work than in work time, to avoid data leakage out of the system - Develop software satellites operating strategy of the VDB with modern technology Page 12 of 18 platform, easy connection to CORE - Strengthen and regularly trained IT staff and end users IT sector is growing at high speed, the updated technological knowledge requires frequent and continuous The   solution   towards   becoming   a   professional   bank,   is   operated   on   a modern IT platform: Implementing successful transition CORE modern platform will be critical to the process of modernization activities of the VDB The soul of the IT systems of a credit institution's core-banking, it not only reflects the level of banking technology organizations but also the role of technology in professional activities of such organizations CORE will help VDB modern management operations more efficient, more professional; reduce resources for the review and synthesis of data from which investment resources to improve service quality, system administration skills Hiring foreign consultants to develop a roadmap to assess IT strategy and implementation plan to modernize IT standards / international level VII STRATEGY FOR APPLICATION OF IT Implementing solutions / projects under the strategic roadmap When all the IT strategy, which indicate professional from the obvious steps, each step consisting of the goals to be achieved, the projects need to be implemented to achieve the goal Each year the project will evaluate and adjust strategies to fit the actual requirements In the above solutions, software solutions and solutions in information processing priority because this is implemented, two urgent issues need to be addressed and can be solved in the short term in service business needs VIII IMPLEMENTATION PLAN IMPLEMENTATION PLAN Page 13 of 18 The solutions are specified by the plan are expected to be deployed until 2019 based on the current state of the current needs of the VDB (not to mention the modern services, services in the same market hybrid) The beginning of this work may be adjusted according to the development strategy of the IT VDB later Organization of implementation: IT Center shall: implementation of the scheme Department: Balanced plan, the Board of Finance and Accounting, Customer Center, the Credit Committee: Chaired build the business requirement for IT applications, in collaboration with the Centre for IT in implementing IT projects of the VDB - Training Center: Chaired organizing IT training for professional staff and IT staff with the contents of the Scheme - Organization and Personnel Committee: chaired implementing recruitment solutions, IT organizational structure - Fundamental Building Committee: Coordinate with the construction of process units deploying IT projects throughout the VDB system Page 14 of 18 No Contents 2014 2015 2016 2017 Building infrastructure IT platform Project Stage media networks Project upgrade / consolidated e-mail system VDB (using Exchange) Implementing the AD (Active Directory Project Data Centers (Data Center - DC) VDB in K1 - Hao Nam Implement internal telephone system based communications infrastructure VDB Center for Preventive Project Administration (Disaster Recovery - DR) Develop business applications VDB Upgrade VDB software online converted to accrual accounting - expense Management Software, hydropower payment Son La Deploying smart systems BI reports Implementing projects of international payment VDB Prepare to deploy converted to new corebanking alternative for VDB online Implement projects to provide services over the Internet VDB (if any) Deploying PKI public key project (if the project through the Internet service is deployed) Paris Graduate School of Management - PGSM Page 15 of 18 2018 No Contents 2014 2015 2016 2017 Building information systems risk prevention and internal credit ratings (VDB CIS) The software profession other than corebanking The other task Construction of the IT development strategy VDB (hiring consultants) Additional procurement of IT equipment annually as required Training (training of IT and end-user training) - Perspective 2019-2030 - Human Resources and IT sufficient number of qualified , knowledgeable professional to deploy IT services throughout the system - To promote and upgrade the communications network to the network model and the modern focus - Core Banking Software Modern Foreign efficient operation , covering all the main business of the VDB - Initially formed to focus the entire data warehouse industry ( Enterprise Data Warehouse ) , features integrated data , stored historical information and follow a standard uniform medium - Intelligent reporting system to meet the requirements of the decision support VDB leaders and leaders of the branch in the system at the same time professional staff has the Paris Graduate School of Management - PGSM Page 16 of 18 2018 ability to operate smoothly in the open systems arbitrary operators reporting (ad - hoc ) analysis and forecast information - System redundancy modern IT is deployed, ensure efficient operation requires a high level of data redundancy (No Data Loss) and maximize operational availability (High Availability) the most important system software of the VDB - IT system security at all classifiers, from communication networks to software applications, databases and data mining The estimated costs for modernization: No Estimate (B.VND) Project CORE choose to hire consultants for VDB 10 Deployment Project "reporting system VDB" 10 Deploying QT project billing, CIS VDB Deploying Data Center (Data Center - DC) VDB in K1 - Hao Nam 151 Implement projects IT backup center (Disaster Recovery-DR) 100 Regular procurement of IT equipment to meet the requirements to replace / 42 complement the whole industry Implement procurement and deployment of the VDB CORE 60 Hiring consultants develop strategies to modernize IT 30 Additional satellite software to meet new business requirements 12 The utility increases on existing infrastructure (TT conferences, ) 10 Total 10 430 B.VND IX CONCLUSION So to summarize, the current modernization of IT systems, VDB should focus on IT Paris Graduate School of Management - PGSM Page 17 of 18 development in accordance with international standards for fair funding and investment in key areas on the basis of restructuring the investment rate of the IT sector (section hardware, software, networking, and telecommunications), priority for training, valued, encouraged IT resources and intellectual investment products, software products aimed at becoming a modern bank was "first from the development Thus, if the overall solution mentioned above are implemented effectively and on schedule, optimistic that we can trust in the near future, IT will cover all business segments, contributing VDB to the success of the implementation of the tasks assigned by the Government X REFERENCE George Raymond McLeod, P Shell, Management Information Systems - International Edition 9th Edition Home page of Vietnam Development Bank http://www.vdb.gov.vn/Trangchu.aspx? ID=DETAIL&INFOID=2081 Paris Graduate School of Management - PGSM Page 18 of 18 ... 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... Page 13 of 18 The solutions are specified by the plan are expected to be deployed until 2019 based on the current state of the current needs of the VDB (not to mention the modern services, services... IT equipment to meet the requirements to replace / 42 complement the whole industry Implement procurement and deployment of the VDB CORE 60 Hiring consultants develop strategies to modernize IT