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Ten years of digital transformation of state-owned banks: from informatization to openness

Time : 24/07/2022 Author : yceq3u Click : + -
        The digital transformation of banks is in full swing at all levels. The digitization of large-scale state-owned commercial banks started earlier. After nearly ten years of intensive cultivation and development, the digital blueprint of large-scale commercial banks has initially emerged. Especially in the construction of its own system and digital infrastructure, large banks have basically realized the construction of an open, convenient and diversified service ecosystem, which is inseparable from the scientific and technological power behind it. In addition to the most basic big data, the most eye-catching parts of the digital transformation system of the bank are cloud technology, artificial intelligence and blockchain, which together have become the core modules of the digital transformation map of the "smart bank" of the bank. At present, for the large bank system of group operation, it is an important achievement of the current digital transformation to start from the core resources, go deep into all business branches, and quickly integrate and share data resources.
        In this process, cloud technology has been given a brand-new mission, and it plays a very important role in the shaping and in-depth application of the overall Dahang ecological pattern. In the ecological cloud system of the bank, it usually includes multi-layer cloud services such as infrastructure cloud (IAAs), application platform cloud (PAAS) and financial ecological cloud (SaaS). The three perform their respective functions and cooperate with each other to cope with the rapid growth of transaction volume and realize the excellent features of the system such as low cost, scalability and easy maintenance. As the cornerstone, infrastructure cloud mainly plays the role of resource computing and storage; As an intermediate layer, the application platform cloud mainly highlights the role of elastic function expansion, so that the upper and lower layers can connect more efficiently and intelligently; The last financial ecological cloud is the managed application layer that is currently providing ecological services for various financial businesses.
        In order to comprehensively improve the stability of the cloud platform and build a more stable, reliable, autonomous and controllable heterogeneous hybrid cloud, some large banks also put forward the concept of "group cloud". For example, ICBC timely launched the construction of a new generation of cloud platform, took the lead in putting forward and practicing the "group cloud" model, completed the cloud deployment of the bank and the application landing of the branch, and provided the branch with agile resource supply and convenient operation and maintenance means. Up to now, the scale of IAAs cloud access nodes of ICBC has exceeded 60000, and the overall cloud access rate is nearly 75%; PAAS container scale exceeds 34000; Nearly 95% of the business has been operated in the cloud, and many SaaS products such as education cloud, property cloud, asset management cloud and financial supervision service cloud have been officially launched.
        The enterprise level artificial intelligence platform is the second competitive weapon for the digital transformation of large banks. The artificial intelligence framework of Daheng generally covers intelligent support capabilities in multiple vertical fields such as intelligent decision-making, natural language processing, computer vision, knowledge map, voice processing, etc. The artificial intelligence system of Dahang is generally built on the powerful data and computing power layer. After integrating the core algorithm framework, two core application layers will be established: the internal one-stop AI workstation and the external AI application layer. At present, the symbolic application of AI system in large banks includes new intelligent operation mode, innovative intelligent investment advisory product "Ai investment" and intelligent financial risk control service.
        New smart operation mode: through OCR, face recognition, video authentication and other technologies, the convenient service mode of "online application and offline delivery" is realized; By completing the online migration of typical business scenarios such as debit cards, credit certificates, and thematic deposit receipts, we have created a "ready to use" service in which customers only need to visit the store once and can complete account opening and basic product distribution within 30 minutes; Through intelligent voice interaction technology, it can support customers to quickly and automatically handle more than 100 businesses such as transfer and remittance and balance query based on voice. Innovative intelligent investment advisory product "Ai investment": through the use of artificial intelligence technology to build a professional quantitative model, combined with customer portrait data and asset allocation model, we have created a high-yield and low volatility investment and financial portfolio plan, which not only solves the dilemma of difficult selection of customers' independent investment products and difficult grasp of investment opportunities, but also greatly improves the customer experience and personalized customized recommendation services.
        The advantage of large banks in the third digital transformation is the blockchain technology. At present, the application of blockchain technology in digital assets, supply chain finance and foreign trade finance is relatively mature. Digital assets: during the epidemic prevention and control period, in order to promote enterprises to return to work and production and boost the overall consumption capacity of the society, many large banks introduced blockchain technology in the consumption scenario, and realized the innovative application of blockchain technology in the C-end. It not only effectively ensured the transparency, openness and traceability of the issuance process of consumer coupons, but also built a brand-new "financial + service" ecosystem by conducting consumer coupon subsidy business to the public. In addition, through the realization of data rights confirmation and value sharing under the joint operation of platform merchants, a new mode of digital asset application has been explored for retail business.
        Supply chain finance: in the field of supply chain finance, large banks have combined blockchain technology with payment voucher credit, launched a network financing financial service platform, and realized the credit transfer and circulation of receivables of core enterprises among upstream and downstream suppliers. It not only effectively solved the credit problem of multi-level suppliers, reduced the financing cost of enterprises, but also provided a better solution for optimizing the enterprise's asset and debt structure. Foreign trade finance: large banks have broken the cross-border information barrier in the process of automatic integration, issuance and verification of international and domestic logistics transport documents, provided more convenient trade services and information support for small and medium-sized trade enterprises, and helped to form a cross-border trade finance ecosystem.
        The digital transformation of Banks begins with and flourishes in large banks, and will surely flourish in large banks in the future. The second half of the digital transformation is beginning. Even big banks at the head of the industry are still facing the pressure of echelon ranking. How to better integrate with artificial intelligence, cloud computing, blockchain and other technologies, accelerate the pace of digital transformation, and deepen the connotation of digital transformation is an important test for the steady and long-term digital transformation of state-owned banks. 1. The copyright of all works marked "source: consumer daily" on this website belongs to consumer daily. If reprinted, please indicate "source: consumption daily". Those who violate the above statement will be investigated for relevant legal responsibilities.
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