Since the birth of the first electronic digital computer "ENIAC" in 1946, mankind has continuously broken through the bottleneck of computing power, realized large-scale production with machines instead of manpower, and entered the era of computing power. Today's computing power has become a new type of productivity like hydropower in the era of digital economy. At the same time, the huge consumption of computing power has also increased the attention and investment of the country and enterprises in the construction of computing power infrastructure.
For financial institutions, data is growing at ZB levels. Accelerating the construction of computing infrastructure and upgrading from digitalization to digital intelligence have become important directions for improving the core competitiveness of commercial banks and achieving sustainable growth. Under the trend of accelerating the increase in computing power and systematizing the computing architecture upgrade process, it is necessary to build a digital infrastructure platform that connects the top and bottom, is economical, reliable, safe and stable through system engineering methods for industry scenarios. The financial-grade digital base "Yuanqi" should Born out of necessity.
Relying on China Electronics' complete independent computing industry chain and major engineering achievements, China Electronics Jinxin has forged a financial-grade digital base "Yuanqi" after ten years of continuous polishing and joint research, which can meet the high security and high reliability requirements of key industry applications. , high performance, ultimate experience, high-speed construction and green sustainability requirements. The financial-grade digital base "Yuanqi" has three major goals: upgrading and transforming the service industry structure, improving R&D efficiency, and realizing the native value of digital intelligence. Through major projects and joint innovation, it has participated in the implementation of hundreds of IT projects and continues to polish and verify the industry. Level key performance, capable of supporting hundreds of millions of customers and more than one billion accounts, supporting transaction peaks up to 50,000 TPS per second, stability up to 99.9999%, and improving customer development efficiency by more than 30%. "Yuanqi" is a major contributor to the financial industry The full-stack new computing power system is practically escorted.
The innovation of computing power algorithms has brought about the leap-forward development of data intelligence. In addition to the support it brings in terms of underlying computing power, CEC Financial also has strong strength in data intelligence.
CEC Financial Trust injects data intelligence “new engine” into banking system architecture upgrade
In order to cope with changing business demands and real-time growth of massive data, enterprises have put forward higher requirements for data processing and analysis. The integrated architecture of Hadoop clusters and MPP databases is increasingly appearing in bank IT construction. The "integrated lake and warehouse" form can integrate the differences between data warehouse and data lake, and build the data warehouse on the data lake to provide more flexible and cost-effective storage, increase data quality, greatly reduce data redundancy, eliminate data islands, and allow The data in "Huli" and "Cangli" flows freely.
In response to the construction of "integrated lakes and warehouses", China Electronics Jinxin has refined, summarized and developed a loosely coupled, component-based data middle-end product to establish a comprehensive range of data access, data development, data management and control, asset operations, service management, operation analysis and An integrated product and solution platform for data tools, builds a data asset management system, deeply mines the value of data assets, and injects a data intelligence "new engine" into the upgrade of banking system architecture.
At the same time, since ICBC Teradata went offline in 2019, large domestic financial institutions have accelerated the pace of localization, and the new generation of Hucang integrated architecture platform has become the industry's first choice. China Electronics Financial Trust has relied on years of data platform experience and Yuanqi data asset platform and mature The data migration tool has implemented platform migration projects for many large financial institutions and has achieved a good market reputation. According to IDC data intelligence solution market share statistics, China Electronics Jinxin has ranked first for seven consecutive years.
IDC pointed out that the market competition for data management construction space and data intelligence solutions in China's banking industry will be fierce in 2022, with data full life cycle and value management solutions formed around basic data platforms, data management capabilities, data services and data scenario applications. Demand. Facing the future, China Electronics Jinxin will continue to work hard in the field of data intelligence to help customers achieve the goals of business digitization, data capitalization, and asset valueization , and work hand in hand with customers to create great results.
Intelligent risk control: an important driving force for the digital transformation of banks
While emphasizing data-intelligent business systems, intelligent risk control is increasingly winning the favor of commercial banks and gradually becoming the standard for digital transformation of commercial banks. Banks continue to pay more attention to risk management. Risk control capabilities are the core competitiveness of banks and are related to the safety and stable operation of the entire financial system. Every day, banks face complex and diverse business risks. Intelligent risk control can greatly reduce the risk of banks. business risks and credit risks.
In recent years, banks have widely adopted intelligent risk control technology in credit and other business processes, effectively improving risk prevention and control levels and business management efficiency. Different from traditional risk control, intelligent risk control automatically completes credit granting, lending and other businesses based on the analysis and behavior of borrowers through the analysis and modeling of large amounts of data, and strengthens the bank's risk management during the loan and post-loan stages. Quickly identify and control, thereby reducing the rate of non-performing assets. Intelligent risk control has become a key direction for banks' transformation and upgrading, replacing the traditional risk control model that emphasizes mortgage guarantees, credit records and requires a lot of manual review.
Governance and risk control, the “laws” and “techniques ”
"The law is used to establish the foundation, and the technique is used to establish the policy." "Fa" refers to methodology, which is the framework design, while "technique" refers to means and implementation paths. The risk management system must be implemented and improved from all aspects.
The latest report from IDC shows that in the risk management solutions market, CEC Financial has ranked first in the market share of risk management solutions for three consecutive years. China Electronics Financial Trust provides banks with overall risk management solutions. By establishing bank risk management governance organizations and setting risk preferences, it carries out various risk management strategies and limit management for credit risk, market risk, operational risk, liquidity risk, etc. The construction of policy procedures, management systems and data systems, and the improvement of risk management reports and information disclosure, meet the urgent needs of banks to improve their own risk control management, as well as the strict requirements of regulatory agencies.
In recent years, under the guidance of Basel III regulatory reform, banks have begun to build a comprehensive risk management system that is compatible with the "new capital regulations" this year. China Electronics Financial Trust fully meets the regulatory requirements of the new capital regulations. Its risk and capital management system solutions can achieve accurate measurement of multiple measurement methods of credit risk, market risk and operational risk-weighted assets, as well as the preparation of capital regulatory statements and information disclosure statements. Development and reporting, upgrading of capital management functions and other latest banking regulatory needs.
Through comprehensive risk consulting and implementation capabilities, CEC Financial Trust has adopted pillar 1 risk-weighted asset RWA measurement, pillar 2 internal capital adequacy assessment management ICAAP, pillar 3 information disclosure report submission and large risk exposure, big data risk warning, etc. A risk management product, which has been widely recognized in the construction of new bank capital regulations and capital management systems. It has successively won the bids for the credit risk weighted asset engine internalization consulting of a state-owned bank, the construction of the capital management system of a joint-stock bank, and the construction of the RWA system of a city commercial bank. Waiting for multiple projects.
In addition, in recent years, bank risk management solutions have increasingly focused on data-driven risk analysis, integrating and analyzing large amounts of internal and external data, building risk data marts, and providing banks with more accurate and real-time risk assessments and predictions, thereby more Identify risks and develop risk response strategies. Through risk data marts and intelligent application construction projects, China Electronics Finance has realized business digitization, data assetization, asset servitization, and service businessization, forming a closed loop of data management, helping users tap the value of data, and creating enterprise digitization and data intelligence. Empower business development.
Further strengthening the integration of data intelligent applications and service capabilities and solving many problems such as traditional bank application design and loose management mechanisms are the long-term path for bank innovation and development. Only by integrating risk control genes into business development and proactively planning the systematic construction of intelligent risk control can we continuously improve the bank's own risk and data security management level.