Optimization of traditional banking business structure

Through the implementation of "103 1" project and the construction of information bank, ICBC has built a leading fourth-generation core banking system and established the leading edge of information technology. With the bank entering the 4.0 era, financial technology has pushed the bank to break the tradition, change the mode of production and operation from three aspects: means of production, productivity and production relations, and make use of the characteristics of the times of digitalization, intelligence and openness. The bank continuously enriches service channels, improves product supply, enhances service experience and efficiency, and puts forward new requirements for enterprise-level architecture construction and information system transformation.

In order to cope with the changes of internal and external situation and meet the requirements of business innovation and transformation, ICBC started the transformation of IT architecture on 20 15. Make full use of new technologies such as distributed computing and cloud computing to build a brand-new technology system for future business development, which has the characteristics of openness, high capacity, easy expansion, controllable cost, safety and stability, and convenient research and development. Under the interaction of the external drive of technological change and the endogenous demand of transformation and development, ICBC launched the Smart Banking Ecosystem (ECOS) project on 20 17, and built an enterprise-level business framework around the goal of "customer service, wisdom and inclusiveness, open and interconnected financial ecology, linkage of business operations, efficient and flexible innovation and research, and integration of business technologies". Strengthen the top-level design of product innovation and cross-product line integration, extend the business architecture from the internal level of the enterprise to the cross-border ecology, further deepen the reform of IT architecture under the guidance of business architecture, continuously optimize the application architecture, data architecture, technical architecture and security architecture, and establish a brand-new ecosystem with high integration of finance and technology.

1. Build a service-oriented loosely coupled application architecture. In synchronization with the construction of ECOS project, ICBC introduced the industry-leading method of continuous value enhancement. By analyzing the development strategy, forward planning of business development and business status of the whole bank, the top-level design of business areas was systematically carried out, and business modeling was carried out from three dimensions: process, product and entity, and an enterprise-level business architecture covering 63 business areas, more than 65,438+000 business components and nearly 4,000 task components was integrated and constructed, which guided and promoted the construction of it systems. Through the docking from business fields, business components and business objects to IT applications, IT services and data objects, we will aggregate services around business objects and take data as the center, and form an enterprise-level service system covering business product services, services based on business and data, and services based on technology, and create a layered decoupled application architecture. Establish a component-based R&D mechanism, realize the efficient delivery of business models, and promote the consistent undertaking of business to IT under a unified framework. Payment and settlement, credit cards and other hot areas. , we have completed the component landing, the refined IT service exceeds 19000, and the daily transaction volume exceeds 4 billion, which improves the market response speed of product research and development.

2. Create a host+open platform dual-core system. Relying on the self-controllable, well-structured open platform technology, we will gradually change from the traditional mainframe-centered application layout to the dual-core layout of mainframe and open platform, and initially establish an open platform core banking system with the ability to undertake the downward movement of mainframe business. Among the large domestic banks, it is the first to realize the complete closed-loop processing of the core business of banks. By the first half of 2020, more than 90% of applications have been deployed on open platforms. Among Chinese banks, the overseas core business system, which is the first to use the independent research and development open platform, has been put into operation in new institutions in Europe and the Asia-Pacific region. With the deepening of dual-core construction, ICBC has maintained a zero growth in mainframe resources as a whole, with a cumulative pressure drop of more than 65,000 trillion from 2065,438+05 to 2020.

3. Form an open financial ecology with two-wheel drive. Industrial and Commercial Bank of China has built an API open platform characterized by "embedding scenes and exporting finance" and a financial ecological cloud characterized by "green deployment and agile online", forming a system brand of "two-wheel drive" for the whole bank's Internet financial scene construction. At present, more than 800 API services in 9 categories/kloc-0 have been opened to the outside world, providing services to more than 8,800 partners, making it an open platform with the largest number of partners and the most comprehensive services in banks. Education Cloud, Property Cloud and other 17 financial eco-cloud products have been launched, and more than 30,000 G/B customers and 9.29 million C customers have been promoted.

1. Build a multi-mode and high-performance data exchange system. ICBC has built a multi-mode and high-performance enterprise-level data exchange platform by comprehensively applying technologies such as streaming data processing, data replication and file sharing, providing real-time, quasi-real-time, minute-level and hour-level enterprise-level data exchange services for the whole bank, and achieved good results in application scenarios such as real-time reminding of balance changes, real-time transaction anti-fraud, and quasi-real-time calculation of deposit and loan deviation.

2. Take the lead in building an independent and controllable big data service cloud. The peers took the lead in completing the transformation from the traditional closed architecture (TD, Extradata) to the open distributed architecture (Hadoop, MPPDB), and built a big data service cloud system with the largest financial industry cluster, the most complete technical ecology and the strongest supply capacity, with the investment in software and hardware only accounting for 30% of the original product. After integration, all data capacity exceeds 9.3PB, providing efficient, convenient and rich high-quality data services for 17 1 Head Office applications, 22 business departments and 52 domestic and overseas branches and subsidiaries.

3. Focus on building an enterprise-level data center. According to the overall layout of the ECOS project, with the goal of * * * sharing, reuse and innovation, we will create an efficient, intelligent, open and * * * shared standardized data service through measures such as data asset precipitation, data service, data asset operation and data product output. Provide one-stop and full-link online BI analysis capability for more than 65,438+00,000 data analysts in the whole bank, support the construction of key scenarios such as comprehensive risk management, credit card risk control and smart brain, accelerate the wisdom empowerment in customer service, operation, products and risk control, and enhance the innovation ability of data applications in various professions.

1. Create a series of enterprise-level new technology application platforms. Relying on the new technologies systematically laid out by the Institute of Financial Science and Technology, ICBC has built ten technical platforms, including cloud computing, distributed, API platform, big data, streaming data, artificial intelligence, Internet of Things, blockchain, biometrics and mobile Internet, which is a concentrated expression of ICBC's technological leadership. The artificial intelligence machine learning platform integrates the mainstream machine learning algorithms in the industry, provides a convenient and efficient AI full-stack platform for full-process modeling and self-learning, empowers the intelligent application of data, and builds an intelligent brain of ICBC. The financial service platform of the Internet of Things can intelligently perceive everything, obtain massive IOT data, expand the boundaries of banking financial services, innovate financial service models, and provide safe and reliable intelligent IOT solutions. The blockchain technology platform has established a blockchain application ecosystem that serves the real economy in seven business areas, including fund management and supply chain finance. There are over 1000 institutional users and over 1 10,000 individual users, with nearly 100 patents and many industry awards. Biometric platform provides functions such as face, fingerprint and other biometric features management, security control, service scheduling and so on. , and has a variety of biological characteristics of unified control and unified service capabilities.

2. Build a complete, autonomous and controllable cloud computing and distributed technology system. Cloud computing platform has the characteristics of openness, high capacity, easy expansion and intelligent operation and maintenance. From the traditional artificial virtualization architecture to a new cloud computing architecture with rapid supply, stability and reliability, intensive resources and intelligent operation and maintenance. By August 2020, ICBC has achieved the cloud scale of 60,000+nodes and 34,000+containers, and has the automatic supply capacity of 10,000-level container clusters. Under the same business volume, the utilization rate of server virtual resources is increased by 2-3 times on average, and the system expansion time is shortened from tens of minutes in the peak business period to several seconds. In 2065,438+09, ICBC won the first prize of Science and Technology Development Award of China People's Bank. The distributed technology platform covers 9 categories of distributed technology components, which are widely used in more than 50 applications, such as fast payment and commemorative coin reservation. IT provides a technical basis for the transformation of IT architecture from a single centralized architecture to a distributed service architecture. By August 2020, the average daily transaction volume will exceed 5 billion transactions, the concurrent support capacity will exceed 65,438+million transactions per second, and the average response time of key transactions will be less than 10 ms, effectively coping with the impact of high-frequency and large concurrent transactions such as "Double Eleven" spike on the stability of IT architecture and business continuity.

Implement the requirements of national network security level protection 2.0, improve the construction of security system, strengthen security protection in new technology fields, and plan and construct synchronously with the development of financial technologies such as cloud computing, big data, artificial intelligence, blockchain, 5G and Internet of Things. Research and improve the data-centric security methodology and protection system, strengthen the protection of personal information and privacy, and the first batch of "Rong E Bank" completed the certification and filing in China Internet Finance Association. Around the construction of ECOS project, establish a multi-identity authentication system, and develop a variety of authentication and biometric technologies such as mobile phone shield, cloud card, fingerprint, face, voiceprint, finger vein and iris. Build an enterprise-level anti-fraud platform, launch intelligent risk control through terminals, accounts, behaviors and other dimensions, effectively intercept fraudulent transactions, and improve the defense and risk handling capabilities of open banks.

At the historical intersection of the new round of scientific and technological revolution and the transformation of China's development mode, ICBC takes scientific and technological innovation as the first driving force, actively innovates and introduces cutting-edge technologies of financial technology under the guidance of bank-wide strategy and enterprise structure, and strengthens the integration of IT and business. Through financial technology, we can empower business transformation, innovate service models, expand new ecology, improve the adaptability and flexibility of financial supply to the real economy, provide customers with high-value services, and provide a source of kinetic energy for building a world-class modern financial enterprise with global competitiveness.