Under the wave of digital economy, China's financial industry is undergoing profound changes in digital transformation. In order to study and judge the development trend and prospect of the financial technology industry, and explore the boundary between financial innovation and regulatory security, the "2023 Zhongguancun Forum Financial Technology Forum" was held on May 29.
Feng Minggang, Executive Deputy General Manager of China Electronics Financial Trust, Kang Junwei, Deputy General Manager of Bank of China Software Center, Gong Weihua, Chief Information Officer of Bank of Beijing, Xu Dongliang, Chief Technology Officer of Du Xiaoman, and Zhang Xudong, Chairman of Huakong Qingjiao attended the round table forum, focusing on "incremental game " How to improve the quality and efficiency of the financial industry" brought wonderful point-of-view sharing .
The financial industry has gone through the stages of financial computerization and electronic informationization, and is moving towards a new stage of digitalization and intelligence. Feng Minggang believes that the transition of financial institutions from incremental games to stock games stems from the dual factors of finance and technology.
Based on the financial industry, the operating environment of financial institutions is becoming more and more complex and diverse. The traditional business model dividends of banks, which rely on spread income as the main source of profit, have peaked. Banks hope to achieve a new round of leapfrog development driven by digital transformation; from the perspective of technology, the current technology Self-reliance and self-improvement have risen to become the main theme of the industry. The industry needs to lead the reengineering of banks through independent and secure cloud-native distributed architecture transformation to achieve high-quality development.
The financial industry needs to coordinate security and development. Focusing on the present and planning for the future, Feng Minggang believes that under the above circumstances, the industry needs security first and advanced digital infrastructure to support the industry's digital transformation and IT architecture changes.
Relying on the complete independent computing industry chain of China Electronics, based on more than 20 years of industry accumulation and experience in major engineering projects such as downshifting of mainframes and platform migration of leading financial institutions, CLP Financial has accelerated the research and development of basic software and forged a financial-grade digital base "Origin". "Yuanqi" provides safe, stable, and reliable computing power support for the industry, allowing financial institutions to meet the difficulties of independent innovation of underlying software and hardware, IT architecture upgrades, and digital transformation in key industries such as finance in a one-stop manner.
With the support of the new digital base "Yuanqi", financial institutions can start from the strategic perspective of the whole bank, drive and guide the construction of IT systems based on business modeling, realize the integration of industry and technology, and undertake data, using data as production materials to realize marketing , Various applications such as risk control are reconstructed to promote the realization of its own digital transformation.
Finally, Feng Minggang appealed that building a strong digital financial infrastructure cannot be done by one's own strength, and requires joint efforts from the industry side and the industry side. China Electronics Financial Trust hopes to create a win-win situation with the vast number of financial institutions, jointly build a stable and reliable foundation , contribute scientific and technological strength to the development of China's financial industry, and fully promote the improvement of quality and efficiency of the financial industry.