This year, the bank is anxious!I can't wait anymore

Zhigu Trends (ID: ZGTREND) | Picture

For ordinary people, the concept of cloud is familiar and unfamiliar.

Please tell me a story first.

On May 12, 1848, Samuel Brannan, on the countryside of San Francisco, showed the bottles in their hands to people, shouting: "Gold, Gold! This is the gold in the American River River. ! ""

The journalist who moved from Europe made the most penetrating slogan at the time. By mid -June, three quarters of San Francisco had abandoned the village and small home and joined a crazy gold rush. Soon after, gold rushed through the United States.

However, the big winner of the gold rush is not a gold rushman, but a railway company.

When thousands of gold rushing people flocked, new towns rose up one by one, and the westward movement ushered in a climax. The U.S. railway system has also begun to develop great leap forward, and the artery that runs through the United States will soon form.

The opening of the railway has allowed American steel, coal, machine manufacturing and food processing industries to develop rapidly, and the huge amount of funds required for railway construction have also spawned a powerful capital market.

The significance of the railway in the 19th century, just as cloud computing in China, they are essentially a "infrastructure".

Right now, the cloud as a representative of the new infrastructure is opening a new era. It is also impossible for the financial industry with a significant significance of modern economy. With the development of the digital transformation of China's banking industry, the financial cloud is entering a new period of explosive development.

01 "Cloud" magic

The traditional banking industry has come to the crossroads.

On the one hand, the global economy has been severely damaged, and the profit margin of the banking industry has declined. The "2021 Global Banking Industry Annual Report" released by McKinsey pointed out that in 2020, China's bank profit margin fell to about 10%, half of the financial crisis in 2008; the profitability of banks such as Latin America, Europe and other places also deteriorated.

On the other hand, traditional banks are becoming more and more challenged by digital banks. The latter has the genes of technology companies and responded rapidly to market demand.

For banks that want to optimize costs, increase flexibility, and enhance competitiveness, Shangyun may be the only way out of them.

At the same time, the financial industry is being threatened by increasing network security, and some internationally renowned financial institutions have planted:

On July 19, 2019, Capital One, the United States, found that more than 100 million customer information was invaded, and hackers obtained the social security number of these customers and 80,000 related bank accounts. After the investigation, it was found that a technician made an error in the firewall of the web application inside the enterprise, leaving a space for hackers to take advantage of it, causing a loss of millions of dollars to the company.

In August 2020, the New Zealand Stock Exchange (NZX) suffered a distributed refusal service attack (DDOS) and was forced to interrupt cash, bonds and financial derivatives for four consecutive days. Later, some media dug such a detail: at that time, NZX's network system was dependent on two local servers, and these two local servers did not have enough bandwidth to deal with the aggressive DDOS attacks. After the attack, the New Zealand Stock Exchange accelerated the pace of "cloud".

The financial industry data is highly sensitive and is essential to maintaining the normal operation of the market.

Many people are worried that the data is moving to the "cloud", isn't the risk facing even greater? On the contrary, security stability is one of the most important advantages of cloud computing:

"Security" is the core of the business model of cloud service providers. They have sufficient professional knowledge and sufficient operation and maintenance resources. At the same time, the combination of technologies such as zero -trust verification, data encryption, and blockchain system and cloud services has also continuously improved this security.

China Postal Savings Bank is an example. As one of the 6 major state -owned banks, its daily processing has a huge scale and high sensitivity financial data, and it has strong demand on issues such as system reliability, availability, compliance, and data security.

In April 2021, the new generation of distributed core systems of the Postal Savings Bank was put into production. The bottom database used the Huawei Cloud Cloud Database GaussDB to achieve secure operation and maintenance, full -link tracking, and warehouse subcontracting data storage.

Driven by the strong driving of new technology engines such as GAUSSDB, the postal save banking has successively completed the technical platform, intelligent operation and maintenance platform, and personal international remittance business of the new generation of personal business core systems. Risk management and control capabilities, a new generation of core systems can also help postal savings banks reduce potential fraud risks and make banks' business operations more secure.

Financial clouds can also help banks to further tap data value and accelerate business innovation.

For example, CITIC Bank's business warehouse and some application markets have been "clouds". The digital base built in the cloud allows CITIC Bank to easily collect, clean, and integrate data to provide a more targeted data application service system for business departments.

Through digging data value, create new service forms, and enhance business development effectiveness: In 2020, CITIC Bank retail AI intelligent recommendation drives wealth management sales of more than 230 billion, and smart robots have also successfully applied to nearly 800 business scenarios, with an average operating efficiency of 20% increased by 20% Above, the average error rate decreased by 70%.

Based on cloud, banks can also create a new model of digital customer acquisition and smart operations. Like the problems faced by many banking institutions, the Hangzhou Bank Customer Service Center has also suffered traditional issues such as large customer data volume, long employee training cycle, and independent channels.

In 2018, Hangzhou Bank introduced cloud services to intelligently transform the business process of the customer service center with the thinking of the e -commerce platform: Based on artificial intelligence technology, intelligent Q & A interaction services are provided in various ways such as text, voice, etc., so that customers can get a new new way to get a new new way In the experience, the overall service quality has a step up.

Various signs show that "cloud" on banks is not "optional", but "required options": In the era when economic uncertainty is extremely high and black swan incidents are frequent, only the banking industry can maintain competition by promoting technological innovation can competition force.

02 from behind to rookie

According to the latest "China Banking Research Report" (hereinafter referred to as the "Report") released by Zhigu's trend, from 2019 to mid -2022, a total of 343 banking industry "cloud" project issued the bidding announcement, and the annual projects of the year project, and the annual projects The number is still growing rapidly.

There are three major trends behind these numbers:

1. The financial cloud of the banking industry presents a three -legged competition pattern

In the extremely intense financial cloud industry competition, Huawei Cloud, Alibaba Cloud, and Tencent Cloud stand out, accounting for about two -thirds of the market.

The "Report" collected and organized the public bid information of the financial cloud of the banking industry since 2019. The study found that:

For the six major state -owned banks (workers, farmers, middle, construction, transportation, and mail), Huawei recorded 50 winning records, accounting for about 35%of the total number of 144 samples; followed by Tencent Cloud, about 16%of the market, about 16%of the market, which was about 16%of the market. ; Alibaba Cloud followed, accounting for 8%. The three head cloud service providers occupy 59%of the market.

Obviously, the banking customers have used mainstream large cloud service providers as the first choice. The China -Wewei Cloud Bid Bid project has the most, becoming the best partner of the "cloud" road on large state -owned banks since 2019.

The size of large state -owned banks is huge and sensitive. They pay more attention to security and stability in the choice of cloud service providers. This is the advantage of large cloud service providers.

In terms of 12 national joint -stock banks and other small and medium -sized banks, similar competition patterns have also been presented: according to incomplete statistics from the "Report", Huawei Cloud, Tencent Cloud, and Alibaba Cloud have occupied nearly 69%of such banking markets. Among them, Huawei and Tencent have more than half of the market share.

This shows that whether it is a large state -owned bank, or a joint -stock bank, small and medium -sized banks, Huawei Cloud, Tencent Cloud, and Alibaba Cloud have firmly occupied the top three in the financial cloud industry.

However, in addition to the "top three", 41%of large state -owned banks still have 41%of the market space left to other financial cloud service providers, while joint -stock banks and small and medium banks have left only 31%of the market space -how to explain these 10 10 %Difference?

The "Report" believes that the reason is that large state -owned banks have established financial science and technology subsidiaries in accordance with their own technical power to provide some cloud computing services for their own banks, thereby gaining some market share. The joint -stock banks and small and medium -sized banks have not yet established financial technology subsidiaries, or the relevant technical capabilities of subsidiaries are insufficient, and their dependence on mature large cloud service providers will be higher.

2. The mainstream cloud service providers each have their own thousand autumn

At present, mainstream cloud service providers have created their own gameplay in the financial cloud field:

The secret of Huawei Cloud's post -developer is to focus on the three major scenarios of integrating data lakes, new distributed cores, and financial full -financial stack clouds, and use leading technologies to promote bank financial business innovation. In 2021, Huawei Cloud released the latest strategy "deeply cultivating digitalization, everything is serving", not only providing technology and resources to partners, but also output mature experience, high -quality services, and leading ideas. Huawei Cloud focuses on creating financial open innovation alliances and helping client banks to open up digitalization with a strong technical camp.

Alibaba Cloud has entered the financial cloud market since 2013. Beginning in 2019, Alibaba Cloud began to start with the peripheral system of the head financial institution, gradually penetrating into the core system, using product efficiency and execution efficiency, and creating new business value as the core to establish a complete set of ecological strategies to replace traditional finance in replacing traditional finance IOE ecology.

Tencent Cloud focuses on the three growth points of the financial cloud business: new financial infrastructure, new digital connection, and new scene services. Relying on the opening of the WeChat and WeChat ecosystem of enterprises, helping the financial industry customers reach end users in a more flexible and agile way to provide customer relationship management and wealth management services.

3. Financial cloud infrastructure market, Huawei Yuncheng's best partner

There are also fighting between the giants: the frontal advantages of Alibaba Cloud and Tencent Cloud, and later there are wave clouds and Xinhua third operators to quickly catch up. But from the current financial cloud infrastructure market, Huawei Cloud has achieved a lead.

According to the latest calculation of international data companies IDC, as of the second half of 2021, in the Chinese financial cloud infrastructure market, Huawei, Alibaba, Xinhua III, Inspur, and Tencent ranked in the top five, with a total market share of 71.7%.

Among them, Huawei Cloud has ranked first in the market share of China's financial cloud infrastructure. Huawei Cloud STACK has maintained the first four consecutive years in the financial self -built cloud infrastructure market and continued to lead the financial cloud infrastructure market.

Public information shows that Huawei Cloud has reached cooperation with 6 large state -owned commercial banks, 12 national joint -stock commercial banks, and a series of local banks; Alibaba Cloud has also covered 60%of insurance companies, 50%of securities companies, and as well as Hundreds of bank customers; Tencent Cloud also provides services to the top ten of the heads and chooses to reach in -depth cooperation with seven of the 12th National Congress. 03 deeper in the cloud

In 2021, my country's financial cloud market size reached 39.4 billion yuan. According to Iri Consulting, the market will continue to expand with a average annual compound growth rate of 28.6%in the next five years, and will exceed 100 billion yuan in 2025.

The transformation caused by technology is not the technology itself. Cloud computing is forming a benign chemical response with the banking industry, continuously broaden the border of cooperation, and improves the ecology of cloud computing.

In short, my country's financial industry is moving deeper into the clouds.

In the future, cloud computing will also inspire greater imagination:

First, fully tap data value and span the data fracture.

The "Fourteenth Five -Year Plan" outline proposes that it is necessary to accelerate digital development and build digital China, and require the financial industry to steadily develop financial technology and accelerate the digital transformation of financial institutions. The next step in the development of the financial industry is to use technology to drive innovation and take dividends from data.

However, at this point, the development of financial clouds still regrets: At present, my country's banking industry's use of financial clouds is mostly at the daily operation level, and there are fewer applications in high -level fields such as data governance, risk control, and science and technology research and development.

In the future, the financial industry should use the power of cloud service providers to create a solid data foundation and release data value.

Second, Lianyun becomes a film, forming a huge, organic interconnection ecological cloud.

The daily operation of financial institutions requires many brands and many types of cloud services; but at present, the resources between these clouds and clouds are often relatively independent and difficult to allocate.

In the next step of the financial cloud, it is necessary to bridge the industry's ecological cracks and integrate with various platform resources to more and more in -depth integration, so that each independent financial cloud is connected into a film, forming a larger ecological cloud.

In this way, financial institutions such as banks only need to provide an export of financial services to allow themselves to be in any place in the cloud, so as to achieve rapid innovation with the power of the entire "cloud economy".

Third, the financial cloud embraces the Yuan universe.

While the bank promotes the intelligence of services, it also pays more and more attention to the personalization of services. This requires a more close combination of financial cloud manufacturers with big data and artificial intelligence technology, so that banks can quickly and accurately analyze customer needs, and more effectively formulate strategies for living, personalized live customers and customers that match customers.

New technologies can often subvert an industry. For example, some banks have noticed the concept of the "Yuan Universe" in recent years, and began to create virtual online stores, enable virtual customer service, and provide customers with a lively and novel service experience. Integrating this new service form on "cloud" can also broaden the application space of the financial cloud.

In a sense, the financial cloud has given the financial industry a new way of survival, stepping on the wave of digitalization, and bravely crossing all the uncertainty and cycles of the present.

In the face of the broad market of the financial cloud, industry participants should fully recognize the historical mission of helping the transformation and upgrading of China's financial industry, and work together to enter the real and deep digital economy.

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