中證(zheng)網(wang)訊（記者 歐陽劍環）銀(yin)保(bao)監(jian)會(hui)(hui)網(wang)站1月21日(ri)消息，為進一步(bu)加強銀(yin)行(xing)保(bao)險(xian)機(ji)構(gou)信(xin)息科技(ji)外包風險(xian)監(jian)管(guan)，促進銀(yin)行(xing)保(bao)險(xian)機(ji)構(gou)提(ti)升(sheng)信(xin)息技(ji)外包風險(xian)管(guan)控能(neng)力(li)，推動銀(yin)行(xing)保(bao)險(xian)機(ji)構(gou)穩(wen)健(jian)開展(zhan)數字化轉(zhuan)型(xing)工(gong)作，銀(yin)保(bao)監(jian)會(hui)(hui)近(jin)日(ri)印(yin)發了《銀(yin)行(xing)保(bao)險(xian)機(ji)構(gou)信(xin)息科技(ji)外包風險(xian)監(jian)管(guan)辦法》。

　　《辦(ban)法(fa)》起(qi)草工作堅決貫徹落實(shi)中央精神，注重把握(wo)以下原則：一是堅持(chi)風險為本，在(zai)深入分析銀行保(bao)險機(ji)(ji)構(gou)信息科技(ji)外(wai)包風險發(fa)展態勢的基礎上，提(ti)出(chu)針對性的監(jian)(jian)(jian)管(guan)要求；二是強化(hua)監(jian)(jian)(jian)管(guan)力度，在(zai)總結銀行保(bao)險業信息科技(ji)監(jian)(jian)(jian)管(guan)實(shi)踐經驗的基礎上，制定(ding)體系(xi)化(hua)的監(jian)(jian)(jian)管(guan)措(cuo)施(shi)；三是對接(jie)國際標準，《辦(ban)法(fa)》起(qi)草工作吸收借鑒(jian)了近年來國際組織、國外(wai)監(jian)(jian)(jian)管(guan)機(ji)(ji)構(gou)相關外(wai)包監(jian)(jian)(jian)管(guan)原則和良好實(shi)踐。

　　《辦法》共7章46條(tiao)，對(dui)(dui)銀行(xing)保險(xian)(xian)(xian)機(ji)構(gou)(gou)信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)風(feng)險(xian)(xian)(xian)管(guan)理(li)提(ti)出(chu)全(quan)面要(yao)求(qiu)(qiu)(qiu)。一是在(zai)總則(ze)中(zhong)明(ming)(ming)確信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)風(feng)險(xian)(xian)(xian)管(guan)理(li)的總體(ti)要(yao)求(qiu)(qiu)(qiu)，即銀行(xing)保險(xian)(xian)(xian)機(ji)構(gou)(gou)應(ying)當建立與本(ben)機(ji)構(gou)(gou)信(xin)息(xi)科(ke)(ke)技(ji)(ji)戰略(lve)目標相適應(ying)的信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)管(guan)理(li)體(ti)系，將(jiang)信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)風(feng)險(xian)(xian)(xian)納入(ru)全(quan)面風(feng)險(xian)(xian)(xian)管(guan)理(li)體(ti)系，有效(xiao)控(kong)(kong)制由于外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)而引發的風(feng)險(xian)(xian)(xian)。二是在(zai)信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)治(zhi)理(li)中(zhong)對(dui)(dui)銀行(xing)保險(xian)(xian)(xian)機(ji)構(gou)(gou)的組織和(he)(he)職(zhi)責、外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)戰略(lve)、外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)禁止、服務提(ti)供商(shang)管(guan)理(li)策(ce)略(lve)、外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)分(fen)類、外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)分(fen)級管(guan)理(li)、退(tui)出(chu)策(ce)略(lve)等提(ti)出(chu)明(ming)(ming)確要(yao)求(qiu)(qiu)(qiu)。三(san)是對(dui)(dui)信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)準(zhun)入(ru)提(ti)出(chu)監(jian)(jian)管(guan)要(yao)求(qiu)(qiu)(qiu)，包(bao)(bao)(bao)(bao)(bao)(bao)(bao)括(kuo)準(zhun)入(ru)前評(ping)(ping)估、盡(jin)職(zhi)調查(cha)(cha)、合同等進(jin)行(xing)了規定，并對(dui)(dui)非(fei)駐(zhu)場(chang)集中(zhong)式外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)、跨(kua)境外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)、同業和(he)(he)關(guan)(guan)聯外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)提(ti)出(chu)附加要(yao)求(qiu)(qiu)(qiu)。四(si)是明(ming)(ming)確信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)監(jian)(jian)控(kong)(kong)評(ping)(ping)價(jia)要(yao)求(qiu)(qiu)(qiu)，對(dui)(dui)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)過程監(jian)(jian)控(kong)(kong)、效(xiao)能和(he)(he)質量監(jian)(jian)控(kong)(kong)、服務監(jian)(jian)控(kong)(kong)及(ji)評(ping)(ping)價(jia)、服務提(ti)供商(shang)經(jing)營監(jian)(jian)控(kong)(kong)、異常糾正、關(guan)(guan)聯外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)評(ping)(ping)價(jia)、外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)終止做出(chu)規定。五是規范信(xin)息(xi)科(ke)(ke)技(ji)(ji)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)風(feng)險(xian)(xian)(xian)管(guan)理(li)，對(dui)(dui)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)風(feng)險(xian)(xian)(xian)識別(bie)與評(ping)(ping)估、業務連(lian)續(xu)性管(guan)理(li)、信(xin)息(xi)安全(quan)管(guan)理(li)、集中(zhong)度風(feng)險(xian)(xian)(xian)管(guan)理(li)、非(fei)駐(zhu)場(chang)外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)實(shi)(shi)地(di)檢(jian)查(cha)(cha)、年度風(feng)險(xian)(xian)(xian)評(ping)(ping)估和(he)(he)審計提(ti)出(chu)要(yao)求(qiu)(qiu)(qiu)。六是對(dui)(dui)監(jian)(jian)管(guan)機(ji)構(gou)(gou)實(shi)(shi)施外(wai)(wai)(wai)(wai)(wai)包(bao)(bao)(bao)(bao)(bao)(bao)(bao)監(jian)(jian)督管(guan)理(li)做出(chu)規定，包(bao)(bao)(bao)(bao)(bao)(bao)(bao)括(kuo)事前報告(gao)要(yao)求(qiu)(qiu)(qiu)、重(zhong)大事件報告(gao)、監(jian)(jian)管(guan)評(ping)(ping)估和(he)(he)監(jian)(jian)督檢(jian)查(cha)(cha)、風(feng)險(xian)(xian)(xian)監(jian)(jian)測、監(jian)(jian)管(guan)干(gan)預(yu)、實(shi)(shi)地(di)核查(cha)(cha)、監(jian)(jian)管(guan)問責等內容(rong)。

　　銀(yin)(yin)保監會(hui)表示，下一步將加強政策宣貫培訓(xun)，將信息科(ke)技(ji)外包(bao)納(na)入對銀(yin)(yin)行保險(xian)機構的日常風險(xian)監測和現場檢查，推動銀(yin)(yin)行保險(xian)機構建立(li)有(you)效的信息科(ke)技(ji)外包(bao)風險(xian)管理體系，促(cu)進《辦法》有(you)效落(luo)地實施。