금융기관의 IT운영리스크 관점에서의 응용프로그램 구조에 관한 연구
A Study on Application Structure for IT Operational Risk in Financial Institute
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초록
최근 금융기관의 리스크 관리 측면에서 운영리스크의 중요성이 점점 부각되고 있다. 특히 IT시스템 장애로 인한 금융서비스 중단의 경우는 고객 민원 및 이탈, 이익 감소 등의 결과로 이어질 수 있다. 따라서 금융기관에서는 IT 응용프로그램 장애 발생에 따른 영향을 최소화하기 위한 다양한 노력이 이루어지고 있다. 금융기관 IT시스템은 각 업무기능의중복개발 배제 및 유지보수 효율성을 위해서 공통모듈을 사용하고 있다. 하지만 공통모듈에 장애가 발생하는 경우에는해당 모듈을 사용하는 모든 업무가 영향을 받을 수 있는 리스크가 존재한다. 본 연구에서는 IT운영리스크 관점에서 리스크가 큰 공통모듈은 업무별로 분리하도록 하여 응용프로그램 장애에 따른 피해에 대응하고자 한다. 이를 위해서 공통모듈과 관련된 요인 변수의 분석을 진행하였고, 금융기관 IT운영리스크 감소를 위한 공통모듈 분리여부 판단 기준을 제안한다.
Abstract
Recently the importance of operational risk is gradually increasing in risk management of financial institute. Especially theservice interruption caused by system failure can lead to customer complaints, decrease of profit and customer secession. Thus,financial industry makes diverse effort to minimize the impact caused by the system failure of IT application. Common modulesare used in IT system in financial industry to exclude redundant development and to use the system efficiently. However, whena failure in common module is occurred, the risk that affects all the tasks using the common module exists. In this study, thedamage affected by a failure in application program is prevented separating common module which has a large risk by task inthe perspective of IT operational risk. In order to cope with damage, the research on the factors related to common module isconducted and proposes the separating common module standard for decrease of operational risk of the financial IT.
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