中国网财经2月1日讯(记者 曾蔷)1月31日，中国邮政储蓄银行以“跑出数字金融‘加速度’”为主题，在京举行金融科技创新成果发布会，介绍该行发展数字金融的战略部署与创新实践。
作为国有六大行之一，邮储银行行长刘建军在发布会上强调，邮储银行的数字金融发展可以比喻为以“加速度”奔跑奋进的前行者，战略部署、科技引领、数据驱动是提供动力的三大核心“器官”：战略“入脑”，指挥发展脚步；科技“强心”，引领服务创新；数据“造血”，释放金融活力。最终驱动金融服务升级，以人为本，普惠城乡。
当前，百年变局加速演进，新一轮科技革命和产业变革深入发展。对于商业银行来说，发展数字金融有助于推动金融服务重塑升级和企业转型发展，也能进一步赋能实体经济高质量发展。据悉，近些年来，邮储银行积极践行科技兴行战略，不断加大金融科技创新投入，坚持将每年营业收入的3%投入到信息科技领域，全力推动金融科技赋能，持续提升金融服务水平，为全行数字化转型和高质量发展注入强劲的科技动能。
一、完成超6.5亿个人客户无感迁移
核心系统是银行IT系统建设的重中之重，是一家银行的大脑和心脏，也是一家银行科技实力的重要体现。邮储银行积极践行国家创新驱动发展战略，顺应技术发展趋势，全力建设新一代个人业务核心系统，历时3年，于近期完成了超6.5亿个人客户无感迁移，新一代个人业务核心系统项目圆满收官。
发布会上，邮储银行首席信息官牛新庄介绍，该系统是大型银行中率先同时采用企业级业务建模和分布式微服务架构，基于全栈式安全可控软、硬件打造的全新一代核心系统，是中国银行业金融科技关键技术自主可控的重要实践。“新一代个人业务核心系统性能全面提升，能够满足全行超6.5亿客户，18亿账户，近4万个网点的支撑和服务能力，支撑邮储银行高质量发展。”牛新庄表示。
据悉，新一代个人业务核心系统主要具有六大创新点，即“流程再造、化繁为简”“业技融合、敏捷创新”“夯实平台、引领创新”“智能运维、全景掌控”“自上而下、安全可控”“在线迁移、无感切换”。
新一代个人业务核心系统主要具有三个显著价值：一是产品灵活装配，快速响应市场。新一代个人业务核心系统打造了一套完善的市场化、差异化、可视化、可扩展、灵活配置的产品装配和定价管理体系，可快速满足市场和客户需求。数字化转型网www.szhzxw.cn
二是提升客户体验，提高办理效率。新一代个人业务核心系统实现以客户为中心的设计，可以按照客户维度提供全景视图和全过程管理，并通过交易整合、流程优化等多种方式提高使用感受，使交易流程更简、业务办理更省、查询时限更长、交互过程更顺、服务范围更广、线上线下更搭。
三是统一数据标准，夯实风险防控。新一代个人业务核心系统建设过程中，统一400余条交易摘要、2000余条报错提示信息、实现3000余条数据全面贯标，提高全行数据的可用性、共享性。全行建立统一的客户欺诈信息识别和反洗钱、反欺诈名单维护机制，将33类反欺诈、反洗钱名单校验嵌入交易流程中，实现柜面风险的实时防控，提高邮储银行风险防控能力和合规管理能力。
二、手机银行8.0正式上线
“一部手机走天下。”移动互联时代下，建设手机银行APP已成为各银行加速数字化转型的“必争之地”。银行只有打造强大的手机银行APP，才能更好地触达客户，真正地让银行服务无处不在，进而才能进一步做好对客户的服务。数字化转型网www.szhzxw.cn
在发布会上，邮储银行正式发布了个人手机银行8.0和企业手机银行，构建全新的零售和公司两大移动金融生态，致力于将手机银行打造为“一站式综合服务平台”和“随身化交互陪伴平台”。
据介绍，新一代手机银行8.0将人脸识别、光学字符识别(OCR)等多项技术融入登录、转账、理财、信贷等关键环节，设置了标准、青年、三农、财富、大字版等多个版本，呈现了千人千面新面貌，并以追求用户极致体验为目标，致力为客户打造更贴心、温暖、智能的移动银行。
公司移动金融生态方面，邮储银行企业手机银行是一款面向公司客户的移动App，支持免U盾交易、智能转账、全线上普惠贷款、一体化工作台等功能，创新引入财税管理、工商信息服务等泛金融服务场景。同时，为了满足不同对公客户的服务需要，企业手机银行设计推出了标准和小微双版本，秉承金融服务实体经济的初心和使命，不断推动对公数字化转型。
值得一提的是，发布会上，邮储银行还首次发布了依托自有区块链技术打造的个人手机银行8.0“向新而升”数字藏品。藏品以“智慧兔”为主形象，生动可爱，将科技感、时尚感融为一体，用数字艺术珍藏科技之美，开启元宇宙发现之旅。数字化转型网www.szhzxw.cn
翻译：
China Net finance on February 1st (reporter Zeng Qiang) On January 31st, Postal Savings Bank of China, with the theme of “Running out of the ‘acceleration’ of digital finance”, held a financial technology innovation results conference in Beijing to introduce the strategic deployment and innovation practice of the bank’s development of digital finance.
As one of the six state-owned banks, Liu Jianjun, President of PSBC, stressed at the press conference that the development of PSBC’s digital finance can be likened to a foreruner running forward with “acceleration”. Strategic deployment, scientific and technological guidance, and data-driven are the three core “organs” that provide the driving force. Science and technology “strong heart”, leading service innovation; Data “hematopoietic”, release financial vitality. Ultimately, it will drive the upgrading of financial services, put people first and benefit both urban and rural areas.
At present, the century-old transformation is accelerating, and a new round of scientific and technological revolution and industrial transformation is deepening. For commercial banks, the development of digital finance is conducive to the reshaping and upgrading of financial services and the transformation and development of enterprises, as well as the high-quality development of the real economy. It is reported that in recent years, Postal Savings Bank actively implements the strategy of revitalizing the bank through science and technology, constantly increases the investment in financial technology innovation, insists on investing 3% of its annual operating income into the field of information technology, strives to promote the empowerment of financial technology, continuously improves the level of financial services, and instill strong technological momentum for the digital transformation and high-quality development of the whole bank.数字化转型网www.szhzxw.cn
Completed the senseless migration of over 650 million individual customers
Core system is the top priority of bank IT system construction, the brain and heart of a bank. But also an important embodiment of a bank’s scientific and technological strength. PSBC actively implements the national innovation-driven development strategy and follows the trend of technological development to build a new generation of personal business core system. After 3 years, PSBC has recently completed the senseless migration of more than 650 million individual customers and successfully concluded the project of the new generation of personal business core system.数字化转型网www.szhzxw.cn
At the press conference, Niu Xinzhuang, chief information officer of PSBC, introduced that this system is the first among large banks to adopt enterprise-level business modeling and distributed micro-service architecture at the same time. It is a brand-new generation of core system built based on full-stack security and controllable software and hardware. And an important practice of autonomous and controllable key technologies of fintech in China’s banking industry. “The performance of the new generation of core personal business system has been comprehensively improved. Which can meet the support and service capabilities of the bank’s more than 650 million customers, 1.8 billion accounts and nearly 40,000 branches, supporting the high-quality development of PSBC.” Niu Xinzhuang said.
It is reported that the new generation of personal business core system mainly has six innovation points. Namely “process reengineering, complex into simple”, “industry and technology integration, agile innovation”, “strengthen the platform, lead innovation”, “intelligent operation and maintenance, panoramic control”, “top-down, safe and controllable”, “online migration, inductive switching”.
The new generation of personal business core system has three significant values:
First, flexible product assembly, rapid response to the market. The new generation of personal business core system creates a set of perfect marketization, differentiation, visualization, extensibility, flexible configuration of product assembly and pricing management system. Which can quickly meet the needs of the market and customers.
The second is to improve customer experience, improve the efficiency of handling. The new generation of personal business core system realizes the customer-centric design. Can provide panoramic view and whole-process management according to the customer dimension. And improve the experience of use through transaction integration, process optimization and other ways. So that the transaction process is simpler, less business handling, longer query time, smoother interaction process. Wider range of services, online and offline better match.数字化转型网www.szhzxw.cn
Third, unified data standards to strengthen risk prevention and control. In the process of the construction of the new generation of personal business core system. More than 400 transaction summaries, more than 2000 error messages. More than 3000 data implementation standards, improve the availability of the whole bank of data, sharing. The whole bank has established a unified customer fraud information identification and anti-money laundering and anti-fraud list maintenance mechanism, embedded 33 types of anti-fraud and anti-money laundering list verification into the transaction process, realized real-time prevention and control of counter risks. And improved the risk prevention and control ability and compliance management ability of PSBC.
Mobile Banking 8.0 is officially launched
“A mobile phone is everywhere.” In the era of mobile Internet, the construction of mobile banking APP has become a “crucial area” for banks to accelerate digital transformation. Only by building a powerful mobile banking APP can banks better reach customers and truly make banking services everywhere. So as to better serve customers.
At the press conference, PSBC officially released personal mobile Banking 8.0 and enterprise mobile banking to build a brand new mobile financial ecosystem of retail and corporate, and is committed to building mobile banking into a “one-stop comprehensive service platform” and “portable interactive company platform”.
According to the introduction, the new generation of mobile banking 8.0 will be face recognition, optical character recognition (OCR) and other technologies into the login, transfer, financial management, credit and other key link, set the standard, youth, agriculture, rural areas, wealth, large-character version and other versions, presents a new look of thousands of people, and to pursue the ultimate user experience as the goal. We are committed to creating a more intimate, warm and intelligent mobile bank for customers.
In terms of corporate mobile finance ecology, PSBC corporate mobile Banking is a mobile App for corporate customers.
It supports such functions as U-shield free transactions, intelligent transfer, all-in-one loans and integrated workbench. And innovatively introduces financial and tax management, industrial and commercial information services and other pan-financial service scenarios. At the same time, in order to meet the service needs of different public customers. The enterprise mobile banking design launched the standard and small and micro versions. Adhering to the original intention and mission of financial services to serve the real economy. And constantly promoting the digital transformation of public.
It is worth mentioning that at the press conference, PSBC also released for the first time the personal mobile banking 8.0 “Rising to the New” digital collection based on its own blockchain technology. The collection is dominated by the image of “smart rabbit”, which is vivid and lovely. It integrates the sense of science and technology with the sense of fashion, treasures the beauty of science and technology with digital art, and opens the journey of discovery of the metaverse.
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