Financial outsourcing generally refers to financial service outsourcing (completion of business activities previously undertaken by itself): financial outsourcing refers to financial enterprises' continuous use of outsourcing service providers (either affiliated entities within the group or entities outside the group) to complete business activities previously undertaken by themselves. Outsourcing can be that a financial enterprise transfers its business (or part of its business) to a service provider, or the service provider further transfers it to another service provider (that is, "subcontracting"). Financial outsourcing began in Europe and America in the 1970s. In order to save costs, financial institutions in the securities industry outsource some quasi-transaction businesses (such as printing and storing records). In the 1990s, driven by cost factors and technological upgrading, financial outsourcing mainly concentrated in the IT field, involving the entire IT industry. According to statistics, in 2005, 45% of the expenditure of the whole IT industry was outsourced.
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