银行数字函证归档策略与方法研究  

Research on Strategies and Methods for Archiving of Bank Digital Confirmation

作　　者：夏天[1,2] 余芊蓉 彭欣然 XIA Tian;YU Qianrong;PENG Xinran(School of Information Resource Management,Renmin University of China,Beijing 100872;Electronic Record Management Research Center,Renmin University of China,Beijing 100872)

机构地区：[1]中国人民大学信息资源管理学院,北京100872 [2]中国人民大学电子文件管理研究中心,北京100872

出　　处：《档案学研究》2024年第6期100-109,共10页Archives Science Study

基　　金：国家档案局科技项目“银行数字函证归档策略与方法研究——基于新《档案法》电子文件归档要求”(2021-X-16);国家社会科学基金项目“基于图书全内容的知识发现与智能服务研究”(22BTQ068)的阶段性研究成果。

摘　　要：银行数字函证归档有助于发挥其法律凭证价值和监管作用。基于银行数字函证基本概念和业务模式,并结合相关政策文件,归纳银行数字函证特点并分析其归档要求,进而构建银行数字函证归档策略的体系框架,涵盖主体权责、业务流程、管理要素和归档机制相关内容;同时,分析银行数字函证归档的可信性保障方法,元数据管理与过程记录方法以及数据表示、解析与验证方法,为推动银行数字函证归档工作制度化和规范化提供借鉴思路。The archival of digital confirmation is conducive to unleashing its legal credential value and regulatory functions.Based on the basic concepts and business models of bank digital confirmation,and combined with relevant policy documents,this paper summarizes the characteristics of bank digital confirmation and analyzes its archiving requirements.Furthermore,a systematic framework for the archival strategy of bank digital confirmation is also proposed,including subjects'rights and responsibilities,business processes,management elements,and archival mechanisms.Simultaneously,the study analyzes trust assurance methods for the archival of bank digital confirmation,as well as approaches to metadata management and process recording,data representation,parsing,and verification.These insights serve as a reference for promoting the institutionalization and standardization of bank digital confirmation archiving.

关 键 词：数字函证 归档策略 归档方法 

分 类 号：F832[经济管理—金融学] F49[文化科学—档案学] G272