Through the implementation of the “1031” project and the construction of information-based banks, ICBC has created an industry-leading fourth-generation core banking system and established its leading edge in information technology. As banks enter the 4.0 era, financial technology promotes banks to break traditions and change production and operation models in terms of production materials, productivity and production relations. Taking advantage of the characteristics of the era of digitalization, intelligence and openness, banks continue to enrich service channels and improve product supply. , improve service experience and efficiency, and at the same time put forward new requirements for enterprise-level architecture construction and information system transformation.
In order to respond to changes in internal and external situations and meet the requirements of business innovation, transformation and development, ICBC launched the IT architecture transformation in 2015. Make full use of new technologies such as distributed and cloud computing, and build an infrastructure that is oriented to future business development based on an organic combination of open platforms and hosts, and is characterized by openness, high capacity, easy expansion, controllable costs, security and stability, and convenient research and development. Brand new technical system. Under the interaction between the external drive of technological change and the endogenous demand for transformation and development, ICBC launched the smart banking ecosystem (ECOS) project in 2017, focusing on "smart and inclusive customer service, open and interconnected financial ecology, and comprehensive business operations". With the smart bank construction goal of "enjoying linkage, efficient and flexible innovative research and development, and integrating business and technology," we build an enterprise-level business structure through integration, strengthen the top-level design of product innovation and cross-product line integration, and extend the business structure from the internal enterprise level to Cross-border ecology, under the guidance of business architecture, further deepens the transformation of IT architecture, continues to optimize application architecture, data architecture, technology architecture, and security architecture, and establishes a new ecosystem that is highly integrated with finance and technology.
1. Build a service-oriented and loosely coupled application architecture. In parallel with the construction of the ECOS project, ICBC has introduced the industry's leading methodology for continuous value improvement. By analyzing the bank's development strategy, forward-looking business development planning and current business issues, it systematically carries out top-level design in the business field, from processes, products, entities, etc. Carry out business modeling in three dimensions, integrate and build an enterprise-level business architecture covering 63 business areas, more than 100 business components, and nearly 4,000 task components, and guide and promote the construction of IT systems. Through the docking and implementation from business fields, business components, and business objects to IT applications, IT services, and data objects, around business objects and data-centered aggregation of services, a system covering business product services, business and data basic services, and technical basic services has been formed. An enterprise-level service system creates a layered and decoupled application architecture. Establish a componentized R&D mechanism to achieve efficient transmission of business models and promote consistent undertaking from business to IT in the context of a unified architecture. It has completed component implementation in hot areas such as payment settlement and credit cards, refined more than 19,000 IT services, and has a daily transaction volume of more than 4 billion, improving the market response speed of product research and development.
2. Build a host open platform dual-core system. Relying on independently controllable and complete system open platform technology, we will gradually transform from the traditional host-centered application layout to a host-based open platform dual-core layout, and initially build an open platform core banking system with the ability to undertake the downward migration of host business. Among large domestic banks, it is the first to realize complete closed-loop processing of bank core businesses. As of the first half of 2020, more than 90 applications have been deployed on the open platform. Among Chinese banks, it is the first to use the independently developed open platform overseas core business system, and has actually put into operation new institutions in Europe and the Asia-Pacific region. With the continuous deepening of dual-core construction, ICBC has maintained zero growth in host resources as a whole despite rapid growth in business volume. From 2015 to 2020, it has achieved a cumulative reduction in host resource pressure of more than 65,000 MIPS.
3. Form a two-wheel-driven open financial ecosystem. ICBC builds an API open platform characterized by "embedding scenarios and exporting finance" and a financial ecological cloud characterized by "green deployment and agile launch" to form a "two-wheel drive" systematization of the bank's Internet financial scenario construction. brand.
At present, more than 1,800 API services in 9 categories have been opened to the outside world, providing services to more than 8,800 partners, becoming an open platform with the most partners and the most comprehensive services in the banking industry. It has launched 17 financial ecological cloud products such as education cloud and property cloud, and has promoted more than 30,000 G/B customers and 9.29 million C customers.
1. Create a multi-mode, high-performance data exchange system. ICBC comprehensively uses technologies such as stream data processing, data replication, and file sharing to create a multi-mode, high-performance enterprise-level data exchange platform that provides real-time, quasi-real-time, minute-level, and hour-level services to the entire bank. It provides timely enterprise-level data exchange services and has achieved good results in application scenarios such as real-time reminders of balance changes, real-time transaction anti-fraud, and quasi-real-time deposit and loan deviation calculations.
2. Be the first to build an independent and controllable big data service cloud. The industry took the lead in completing the transformation from traditional closed architecture (TD, Extradata) to open distributed architecture (Hadoop, MPPDB), and built a big data service cloud system with the largest cluster scale, the most complete technology ecosystem, and the strongest supply capacity in the financial industry, with investment in software and hardware Only 30 invested in the original product. The integrated data capacity exceeds 9.3PB, providing efficient, convenient, rich and high-quality data services for 171 head office applications, 22 business departments and 52 domestic and overseas branches and subsidiaries.
3. Focus on building an enterprise-level data center. In accordance with the overall layout of the ECOS project, with the goal of maximum sharing, reuse, and innovation, through measures such as data asset precipitation, data serviceization, data asset operation, and data product output, we will create an efficient, smart, open, and shared environment. Standardized data services. Provide one-stop, full-link online BI analysis capabilities to more than 10,000 data analysts across the bank, support the construction of key scenarios such as comprehensive risk management, credit card risk control, and smart brains, and accelerate the advancement of customer service, operations, products, and risk control. Intelligent empowerment enhances the data application innovation capabilities of various professions.
1. Create a series of enterprise-level new technology application platforms. Relying on the systematic layout of new technologies by the Financial Technology Research Institute, ICBC has built ten major technology platforms: cloud computing, distributed, API platform, big data, streaming data, artificial intelligence, Internet of Things, blockchain, biometrics, and mobile Internet. It is a concentrated expression of ICBC’s technological leadership. The artificial intelligence machine learning platform integrates the industry's mainstream machine learning algorithms to provide a convenient, efficient, full-process modeling, and self-learning AI full-stack platform, empowering intelligent data applications and building ICBC's smart brain. The IoT financial service platform intelligently senses all things, acquires massive IoT data, expands the boundaries of bank financial services, innovates financial service models, and provides safe and reliable smart IoT solutions. The blockchain technology platform builds a blockchain application ecosystem that serves the real economy in seven major business areas, including fund management and supply chain finance. It has more than 1,000 institutional users and more than 1 million individual users. It has nearly 100 patents and has won multiple industry awards. . The biometric platform provides face, fingerprint and other biometric features management, security control, service scheduling and other functions, and has the ability to unified management and control of multiple biometric features and unified services.
2. Build an independent, controllable, and complete cloud computing and distributed technology system. The cloud computing platform has the characteristics of openness, high capacity, easy expansion, and intelligent operation and maintenance. It has transformed from a traditional manual-based virtualization architecture to a new cloud computing architecture with rapid supply, stability and reliability, intensive resources, and intelligent operation and maintenance. As of August 2020, ICBC has achieved a scale of 60,000 nodes and 34,000 containers in the cloud, and has the ability to automatically supply 10,000-level container clusters. The utilization rate of server virtual resources has increased by an average of 2 to 3 times under the same business volume, and the system has been expanded during peak business periods. The time was reduced from dozens of minutes to seconds, and it won the first prize of the People's Bank of China Science and Technology Development Award in 2019. The distributed technology platform covers 9 major categories of distributed technology components and is widely used in more than 150 applications such as fast payment and commemorative coin reservations. It provides a technical foundation for the transformation of IT architecture from a single centralized architecture to a distributed service-oriented architecture.
As of August 2020, the average daily transaction volume exceeds 5 billion, the concurrent support capacity exceeds 100,000 transactions/second, and the average response time of key transactions is less than 10ms, effectively coping with high-frequency and large concurrent transactions such as the "Double Eleven" flash sale on IT. Impact on architecture stability and business continuity.
Implement the national network security level protection 2.0 requirements, improve the security system construction, strengthen security protection in new technology fields, and follow financial technologies such as cloud computing, big data, artificial intelligence, blockchain, 5G, and the Internet of Things. Synchronous planning and construction of development. Research and improve the data-centered security methodology and protection system, strengthen the protection of personal information and privacy, and "Rong e Bank" is the first batch to complete the certification and filing with the China Internet Finance Association. Focusing on the construction of the ECOS project, we will establish a multi-factor identity authentication system and develop various authentication and biometric technologies such as mobile phone shields, cloud certificates, fingerprints, faces, voiceprints, finger veins, and iris. Build an enterprise-level anti-fraud platform to carry out intelligent risk control through multiple dimensions such as terminals, accounts, and behaviors to effectively intercept fraudulent transactions and improve open banking defense and risk management capabilities.
In the historical intersection period of a new round of scientific and technological revolution and my country's transformation of development mode, ICBC regards technological innovation as the first driving force for development, actively innovates and introduces cutting-edge financial technology, and plays an important role in the bank's strategy and corporate structure. Under the guidance of the company, we will strengthen the integration of IT and business. Empower business transformation through financial technology, innovate service models, expand new ecology, improve the adaptability and flexibility of financial supply to the real economy, provide high-value services to our customers, and build a world-class modern financial enterprise with global competitiveness. Provides a source of energy.