[20211203]IF11985_银行使用云技术.pdf

https:/crsreports.congress.gov December 3, 2021Bank Use of Cloud TechnologyThe banking industry has been a prominent, if sometimes skeptical, adopter of cloud technology. Proponents promise scalability, flexibility, and cost savings, among other benefits. However, the technology also introduces potential operational risks and policy concerns, such as systemic risk. Bankings steady, but not advanced, adoption of this technology (as shown by its position along the “adoption curve” in Figure 1 below) reflects this trade-off. What Is the Cloud? Put simply, cloud users pay cloud service providers (CSPs) to use CSPs computing resources (e.g., servers and mainframes), rather than purchasing and maintaining their own. According to the National Institute of Standards and Technology, cloud computing is a “model for enabling ubiquitous, convenient, on-demand network access to a shared pool of configurable computing resources.” By the same definition, the five hallmark characteristics of the cloud are (1) on demand service; (2) broad network access; (3) resource pooling; (4) rapid elasticity; and (5) measured service, or the ability to monitor or limit quantities used. Transferring the mainte