目前，随着金融供给侧结构性改革和全面注册制的落地，多层次资本市场体系建设更趋完善，金融体系对实体经济的赋能价值在这样的形势下得到不断放大。证券行业也紧抓时代机遇，积极调整业务战略，加速数字化转型的步伐。
那么，券商的数字化如何适应业务战略需要？如何适应敏捷的创新业务交付？如何保障组织敏捷化的同时做到风险可控？
面对上述问题，通过对国内券商数字化转型情况的长期跟踪与研究，结合我国金融监管与产业政策导向、金融科技发展情况以及与相关行业专家的交流访谈，发布《中国券商数字化转型趋势报告2023》，通过业务经营、科技赋能、组织发展三大维度，对2023年我国券商数字化转型的关键趋势进行了深入洞察。
近年来，5G、云计算、人工智能等新一代数字技术的广泛应用对各行各业的业务模式和竞争形态进行重塑，而积极应对挑战和顺应时代变化是各个市场参与者的必选项。作为资本市场数字化转型的领航者，券商近年来持续加大科技投入，将数字化转型视为战略重点部署。从行业环境来看，注册制的落地使券商面临着相比以往更严格的监管机制，对投行业务的转型也起到了相应的推动作用。
2023年券商实现数字化转型高质量发展的关键趋势将重点体现在科技与业务双向引领、客户全生命周期管理以及强化敏捷风控方面。
一、业务经营篇
趋势1：券商数字化仍面临业技融合的挑战，数字化目标和业务战略导向将实现双向引领
尽管券商的数字化转型服务于业务经营模式升级，但不可否认的是，技术对于券商业务具有推动甚至重塑的作用，可以在一定程度下引导业务生态自主创新。
同时，券商数字化仍面临着业务与技术的融合与双向引领的挑战，这一方面是因为业务部门对数字化的需求是较为模糊的，同时技术部门又对业务场景不够熟悉，导致业技融合的基础有所欠缺；另一方面由于战略层面的规划尚不清晰，顶层驱动力不足，而脱离业务战略的数字化转型往往事倍功半，缺乏长期赋能业务的实用价值。券商数字化的路径与手段，只有紧扣业务发展重点，形成清晰的数字化转型目标，与业务战略深度协同形成合力，并且结合自身的资源投入水平与可预见的回报周期，进行路径规划与节奏安排，才能更好地通过数字化手段提高券商核心竞争力。
此外，数字化不仅仅是推动业务发展的技术工具，更是优化管理、孵化新业务生态的战略手段。尤其是在智能投顾业务方面，需要券商融合运用大数据、人工智能等新一代数字技术，构建精细化用户画像，凭借数字化手段为客户提供个性化和差异化的创新服务。
- 探索者：银河证券创新金融科技应用驱动业务升级
银河证券在推动数字化服务客户的进程中，一方面确定了金融科技超越业务发展需要的总体定位，另一方面也站在业务视角对金融科技进行长远的战略规划，以此来推进科技与业务发展的深度融合，并实现金融科技的深度敏捷。同时，银河证券在技术架构方面升级了中台的数据沉淀能力和前端系统的系统，希望通过金融科技的应用创新来适应不断变化的客户需求和业务升级。
趋势2：全用户生命周期数字化服务重要性凸显，需提高券商基于全价值链的对客数字服务能力
目前，券商大多通过线下销售、研究所、分支机构和线上app、咨询平台等不同渠道承揽机构和零售客户，综合化的营销意识不突出且各业务各自为战，导致对客户需求的理解不全面。而多元化的客户需求需要券商围绕客户的全生命周期、全旅程以及全价值链进行数字化洞察和管理。
因此，提升对客数字服务能力是券商数字化转型的关键任务，即以“客户为中心”，构建前中后台一揽子管理的全生命周期客户服务体系。
- 探索者：国泰君安搭建综合服务平台覆盖用户全生命周期
在对客数字化服务方面，国泰君安实施数字化零售“星”服务，搭建了“e网统管”、产品中收平台、企业级数据中台、私客专家服务平台等综合服务平台。从数字网点、数智服务团队、数字底座、数智平台建设出发，国泰君安升级了对基础客群的有效覆盖和全用户生命周期的优质服务。同时，国泰君安聚焦高价值客群经营，结合客户风险偏好、投资理念、理财场景等，构建一站式服务体系。
趋势3：财富管理业务或将成为券商数字化先行试验田，而创新服务方式是扩大并夯实用户基础的关键
伴随着多层次资本市场改革和金融普惠化的推进，金融资产占可投资总资产的比重将持续上升，客户对财富管理的需求规模也将逐渐攀升，需求端的推动或将使财富管理业务成为券商数字化的先行试验田。
在这样的背景下，创新服务方式将是券商扩大用户圈层、深挖用户价值和夯实用户基础的关键因素。在扩大用户圈层方面，券商可以利用创新投顾服务方式，拓宽投顾服务半径，打造专业投顾IP，培育优质内容以加深与客户的连接。而在提高用户价值和夯实客户基础方面，券商可以探索私域流量经营，提升投顾数字化服务能力，动态地提出资产配置建议并提供全旅程客户陪伴的综合服务。
- 探索者：中信证券依托大数据平台推动财富管理业务模型升级
中信证券在财富管理转型战略上强调数字化赋能，并构建了基于客户生命周期的服务体系，在基金投顾业务中解决“选基难、择时难、持有难”的问题。通过全生命周期服务，可以识别客户投前、投中、投后的关键节点，并依托大数据平台的信息支撑，建立了账户管理和运营体系，以此来推动券商从卖方销售向买方投顾服务模式的转变。
趋势4：数字技术助力券商投行业务效能升级，加速提升对企业客户的数字化服务能力
随着科创板和全面注册制的落地，多层次资本市场体系建设更趋完善，投行业务迎来了新的机遇和挑战，而券商对企业客户的服务能力也面临数字化升级的迫切需要，从而更好地实现对实体经济的赋能作用。
券商对企业客户的融资服务不仅仅是电子化项目管理，更需要从全流程的角度把控项目质量，借助数字化手段来降本提效。在投行业务层面，券商需要积极探索大数据、人工智能、RPA在质检核查、底稿电子化、风险舆情防控方面的应用，提升投行业务的管理水平和扩展能力；在组织层面，券商可以设立机构客户的统一接口，提高服务效率，通过平台系统进行高效对接。此外，投行业务平台化发展的业务决策体系和联动协作机制将成为数字化的关键环节。
- 探索者：中金公司建设投行一体化平台赋能企业客户全流程服务
中金公司以智能应用和数据服务为基础，建设了投行一体化业务平台，提升投行项目质量和执业效率。该投行一体化平台打通“承揽、承做、承销、后督”的业务全流程，实现业务直通式处理，并以智能应用为基础，涵盖客户承揽、流程审批、风险管控、智慧管理等工作平台。同时，该平台也面向一线用户提供标准、全面的数据服务，面向管理层提供及时、准确的数据支撑。
二、科技赋能篇
趋势5：券商业务创新面临系统架构灵活性与扩展性挑战，架构将向开放化和平台化方向优化
以往券商在响应客户定制化需求方面表现不佳，背后原因往往来自多个方面，比如缺乏产品服务创新与敏捷协作机制、技术架构模块化与可扩展性不足、科技队伍的数字交付能力薄弱等。
虽然数字化转型的核心在于以数字化驱动的业务转型，但不可否认的是，数据、系统与数字工具的升级进化是支撑甚至加速数字化转型的关键要素之一。市场上的券商机构过往由于资源条件限制，外购系统比例较高且供应商类别众多，因此诸多内部产品与业务管理系统面临架构繁杂、技术老化、架构扩展性较差、重构成本高等问题。系统架构痛点正在成为制约券商数字化建设，尤其是新型数据与数字化工具应用创新的瓶颈。因此，券商数字化转型应高度重视遗留系统的架构优化，以开放化、微服务化及平台化的思路进行架构优化甚至重构，提升架构灵活性与扩展性。
- 探索者：东吴证券A5交易系统多活架构提高对客服务敏捷能力
东吴证券自主研发的证券新一代交易系统A5是处理全业务的券商端证券核心交易系统，在技术层面，A5实现了自主可控，并且在交易处理性能、创新业务支持、架构灵活扩展等方面取得了一定进展。尤其是在多活架构设计方面，除了支持传统的主备方式外，A5系统还支持双活并行处理机制处理业务，而高可用多活架构能够防范金融系统性风险，提高金融客户服务能力。
趋势6：券商组织提效尚存巨大潜力，数字经营平台的搭建将提高协作效率
虽然券商不断加大信息科技的投入，科技团队的规模也在逐年增长，但是，以数字化手段进行内部业务经营的组织提效，仍然存在较大的潜力空间。
具体而言，券商需要通过科技手段升级业务流程效率，包括办公协作、展业、研发、运营等各种场景，通过RPA+AI等手段，实现数字技术助力组织效能的提升。同时，需要通过深度挖掘数字化赋能场景、加强大数据分析与运用、完善配套数字化工具建设等手段，并重点打造客户服务平台、经营赋能平台和企业级数据中台，全面提升数字化经营能力。
- 探索者：兴业证券建设运营主核心系统强化管理效能
在运营风险的强化管控与整体规划建设方面，兴业证券以“两类系统，一个能力”为转型实施路径，来提高运营资源的整体利用效能。兴业证券持续建设运营主核心系统，强化管理效能，以数据中台、运营平台为核心，并借助RPA、OCR、NLP等人工智能手段为纽带提升中台数智化能力。
趋势7：券商风险管理体系数字化升级将充分释放数据价值，强化敏捷及精准风控能力
监管部门对于券商的风险管理以及合规要求日趋严格，同时，业务资本化的过程中也需要券商具备更强的风险管理能力。因此，券商应用监管科技不仅需要满足监管部门的合规要求，更重要的是应根据自身业务发展要求，提高合规经营和风险管理的能力。
在合规风控方面，基于大数据和智能算法的智能风控体系可以释放数据价值，推动风险防控在实时性和全面性上的升级，使券商的风控体系做到自适应场景与风险系数量化。
同时，在政府监管要求从严、证券业务类型日渐复杂、风险种类多元化的背景下，需要券商实现全面的风险管理体系升级，可从搭建信息披露系统、完善数据分析与风险预警能力、实现智能合规以及数据资产的合规使用等方面进行部署，积极探索以金融科技手段赋能风险管理，形成与监管合规性要求和风险变化特征相适应的风控体系。
- 探索者：海通证券建立基于客户维度的全面风险管理体系，对客户信用风险进行动态监测
海通证券改变传统模式下形成的条线、部门、产品、系统间的数据分隔、各自识别风险的做法，建立了“以客户为中心”的全面风险管理体系，并结合内部评级模型和用户画像，对客户信用风险进行动态监测，实现统一管理。此外，海通证券基于大数据平台，对所有业务条线、部门机构的信用业务数据进行T+1日整合，并在信用业务监控方面，实现对预期信用损失、非预期信用损失等多元指标的分析和监控。
趋势8：券商科技治理水平要求提升，信息科技管理体系建设和信息安全全生命周期管控将成关键任务
进入云计算和大数据时代后，券商信息化程度和信息安全要求日趋提高。同时，券商业务应用场景的变化演进，也给系统运维带来了更大的挑战。而中证协组织起草的《信息安全三年提升计划》给券商提供了提升网络与信息安全工作的行动指南。
基于券商数据安全要求高和业务连续性建设的特点，健全科技治理架构将成为券商提升科技治理水平的关键任务，重点包括推动信息科技管理的体系建设和信息安全全生命周期的管控。此外，提升信息系统故障的发现能力也是券商信息系统安全的关键环节，一方面需要提高事件预警的准确率，及时响应处置安全事件，另一方面需要完善信息系统和数据的灾备能力。
- 探索者：南京证券采用全云模式异地灾备中心进行区域安全隔离
南京证券根据《证券基金经营机构信息技术管理方法》等文件要求，为自身信息系统建立了具备符合监管要求的备份能力。南京证券采用上证云的全云模式异地灾备中心建设方案，其架构设计综合了网络、应用、数据、运维等诸多因素，结合了承载IaaS基础的云架构来进行设计。同时，南京证券对云灾备中心架构进行分块审计，清晰定位各区域的功能，在各区域之间进行可靠的安全隔离。
三、组织发展篇
趋势9：构建企业级组织评估体系是提升数字化业务管理能力的突破口，将支撑管理决策并提高组织协同性
数字化转型投入是否有效，逐渐成为各家证券公司管理层的关注重点。因此券商亟需建立一套适用自身的企业级数字化投入评估体系和方法，这将有利于支撑管理层决策方向把控、合理配置IT资源；促进全员共识，提升数字化转型工作协同性；以及强化IT运营闭环管理，提高IT资源使用效率。简而言之，以价值成效为导向，建立数字化投入评估体系，将为券商提供决策支撑、绩效评价、方向把控，提升价值驱动的数字化业务管理能力。
- 探索者：中金财富组织管理以数据驱动为主，构建敏捷协同组织
中金财富通过设置全员OKR和构建敏捷协同组织，已经初步实现敏捷组织全面转型。中金财富不仅从部门式、竖井式的组织架构，向敏捷化、矩阵式转变，而且将组织与业务管理从经验驱动为主到以数据驱动为主，以数字化转型来支撑公司业务数字化战略的实现。
趋势10：科技人才将成为券商数字化转型的关键战略储备，业务目标考核导向的数字化组织能力建设将发挥重要作用
近年来，头部券商的科技人才队伍占比均有1%—3%等不同幅度的提升。未来，科技人才将成为券商数字化转型的关键战略储备和成功保障，券商需要建立契合自身数字化转型发展的数字化转型组织与人才体系，构建业务科技融合协同的敏捷组织，以及推进企业级数字化组织建设的保障机制。
同时，券商在数字化组织能力提高的过程中，业务目标考核导向应被融入数字化思考，包括在人才选拔、人才考评、人才储备等环节，通过进行管理与激励机制重构与优化，进行业务和科技复合型人才招聘，完善其培养与成长机制等手段，进一步强化数字化组织能力建设。
- 探索者：华泰证券成立数字化运营部探索数字化创新
华泰证券在2021年就以3196名研发人员的数量领衔券商行业，其研发人员占比超过10%。同时，华泰证券成立数字化运营部，将数字化思维融入业务。数字化运营部门在各条主要业务线都设立由业务人员和技术人员共同组成的数字化转型推进小组，提高协同开展业务的效率，并且探索可以利用数字化手段进行优化和创新的突破点，由点及面，促进实现端到端的业务全流程数字化。
翻译：
At present, with the implementation of the supply-side structural reform of the financial sector and the comprehensive registration system. The construction of a multi-level capital market system is becoming more and more perfect. And the enabling value of the financial system to the real economy is constantly amplified under such circumstances. The securities industry also grasps the opportunity of The Times. actively adjusts the business strategy, accelerates the pace of digital transformation.
So, how does the digitalization of securities firms adapt to the needs of business strategy? How to adapt to agile innovative business delivery? How to ensure the agility of the organization and control the risk at the same time?
In the face of the above problems, Analysys, based on the long-term tracking and research of the digital transformation situation of domestic securities brokerages, combined with the guidance of China’s financial regulation and industrial policy, the development of fintech and the exchange and interview with experts in related industries, released the Digital Transformation Trend Report 2023 of Chinese Securities brokerages. Through the three dimensions of business operation, technology empowerment and organizational development. The key trends of digital transformation of Chinese securities brokerages in 2023 are deeply observed.
As the leader of the digital transformation of the capital market, securities brokerages have continuously increased their investment in science and technology in recent years, and regard digital transformation as a strategic priority.
In recent years, the extensive application of 5G, cloud computing, artificial intelligence and other new-generation digital technologies has reshaped the business model and competition form of all industries. and it is a must for all market participants to actively respond to challenges and adapt to the changes of The Times. As the leader of the digital transformation of the capital market, securities brokerages have continuously increased their investment in science and technology in recent years, and regard digital transformation as a strategic priority. From the perspective of the industry environment, the implementation of the registration system makes the brokerages face a stricter regulatory mechanism than before. Which also plays a corresponding role in promoting the transformation of investment banking business.
Analyzable analysis believes that the key trends for securities firms to achieve digital transformation and high-quality development in 2023 will be mainly reflected in the two-way leading of technology and business, customer lifecycle management and strengthening agile risk control.
Business management
Trend 1: The digitalization of securities firms is still faced with the challenge of industry and technology integration, and the digitalization goal and business strategic orientation will achieve two-way leadership
Although the digital transformation of securities firms serves to upgrade the business model. It is undeniable that technology can promote and even reshape the business of securities firms. And can guide the independent innovation of business ecology to a certain extent.
At the same time, securities digitalization still faces the challenge of the integration and two-way guidance of business and technology. On the one hand, this is because the business department’s demand for digitalization is relatively vague. And the technical department is not familiar with the business scenario. Which leads to the lack of foundation for the integration of industry and technology.
On the other hand, the planning at the strategic level is not clear. The driving force at the top level is insufficient. And the digital transformation separated from the business strategy often gets half the result with twice the effort. And lacks the practical value of long-term enabling business. In order to improve the core competitiveness of securities firms through digital means, only by closely focusing on business development, forming clear digital transformation goals, deeply coordinating with business strategies and forming synergy, and combining their own resource investment level and predictable return cycle, can they make path planning and rhythm arrangement.
Moreover, digitization is not only a technological tool to drive business development, but also a strategic means to optimize management and incubate new business ecosystems. Especially in the aspect of intelligent investment consulting business, brokerages need to integrate big data, artificial intelligence and other new-generation digital technologies to build refined user portraits, and provide customers with personalized and differentiated innovative services by digital means.
Explorer: Galaxy Securities innovated fintech application to drive business upgrading
In the process of promoting digital service to customers, Galaxy Securities on the one hand determined the overall positioning of fintech beyond the needs of business development, and on the other hand made long-term strategic planning for fintech from the perspective of business, so as to promote the deep integration of technology and business development and realize the depth and agility of fintech. At the same time, Galaxy Securities upgraded the data precipitation capacity of middle Taiwan and the front-end system in terms of technical architecture, hoping to adapt to the changing customer needs and business upgrading through the application and innovation of fintech.
Trend 2: The importance of full-user lifecycle digital services has become prominent. It is necessary to improve securities firms’ ability to provide digital services to customers based on the full value chain
At present, brokerages mostly recruit institutions and retail customers through different channels. Such as offline sales, research institutes, branches, online apps and consulting platforms, and so on. The comprehensive marketing consciousness is not prominent and each business is fighting for itself, leading to incomplete understanding of customer needs. Diversified client demand requires brokerages to conduct digital insight and management around the full life cycle. Full journey and full value chain of clients.
Therefore, it is the key task of the digital transformation of securities firms to improve the ability of customer digital service. That is, to “customer-centric”, to build a full life cycle customer service system with front, middle and back management package.
Explorer: Guotai Junan builds a comprehensive service platform to cover the whole life cycle of users
In terms of customer digital service, Guotai Junan implements digital retail “star” service. And builds a comprehensive service platform. Such as “E-network management”, product collection platform, enterprise-level data center platform, and private customer expert service platform. Starting from the construction of digital outlets, digital intelligence service team, digital base and digital intelligence platform. Guotai Junan has upgraded the effective coverage of basic customer groups and the quality service of the full user life cycle. At the same time, Guotai Junan focuses on the operation of high-value customer groups. And builds a one-stop service system by combining customers’ risk preference, investment philosophy and financial management scenarios.
Trend 3: Wealth management business may become the first experimental field of digital brokerages, and innovative service methods are the key to expand and consolidate the user base
With the promotion of multi-level capital market reform and financial inclusion. The proportion of financial assets in the total investable assets will continue to rise. And the scale of customers’ demand for wealth management will also gradually rise. The promotion of demand side may make wealth management business become the pilot of digital securities.
In this context, innovative service mode will be the key factor for securities firms to expand user circles, dig deep user value and consolidate user base. In terms of expanding the user circle, securities brokerages can make use of innovative investment services, broaden the radius of investment services, create professional investment IP, and cultivate quality content to deepen the connection with customers. In terms of improving user value and consolidating customer base, securities firms can explore private traffic management, improve digital investment services, dynamically propose asset allocation suggestions and provide comprehensive services of full travel with customers.
Explorer: CITIC Securities relies on big data platform to promote the upgrading of wealth management business model
Citic Securities emphasizes digital empowerment in the transformation strategy of wealth management, and builds a service system based on customer life cycle to solve the problems of “difficulty in selecting the basis, choosing the time and holding” in the fund investment account business. Through the full life cycle service, it can identify the key nodes before, after and in the investment of customers. And relying on the information support of the big data platform. It has established the account management and operation system. So as to promote the transformation of the service mode of brokerages from seller sales to buyer investment.
Trend 4: Digital technology helps securities firms upgrade the efficiency of investment banking, and accelerates the improvement of digital service capabilities for corporate clients
With the implementation of the Science and technology innovation board and the comprehensive registration system. The construction of the multi-level capital market system is becoming more perfect. Investment banking business is facing new opportunities and challenges. And securities firms are facing the urgent need of digital upgrading of their service ability to corporate customers. So as to better realize the enabling role of the real economy.
The financing services provided by securities brokerages to corporate clients are not only about electronic project management. But also about controlling project quality from the perspective of the whole process and using digital means to reduce costs and improve efficiency. At the level of investment banking, brokerages need to actively explore the application of big data, artificial intelligence and RPA in quality inspection and verification, electronic manuscripts and risk public opinion prevention and control. So as to improve the management level and expand the ability of investment banking. At the organizational level, brokerages can set up a unified interface for institutional customers, improve service efficiency. And connect efficiently through the platform system. In addition, the business decision-making system and linkage cooperation mechanism of investment banking platform development will become the key link of digitalization.
Explorer: CICC builds an integrated platform for investment banking to enable the whole process service for corporate clients
Based on intelligent application and data service, CICC has built an integrated business platform for investment banking to improve the quality and efficiency of investment banking projects. The investment bank integration platform opens up the whole business process of “contracting, undertaking, underwriting and supervising”, realizes the straight-through business processing, and covers the working platform of customer contracting, process approval, risk control and intelligent management on the basis of intelligent application. At the same time, the platform also provides standard and comprehensive data services for first-line users and timely and accurate data support for management.
Enabling Science and Technology
Trend 5: Brokerage business innovation faces challenges of flexibility and expansibility of system architecture, and the architecture will be optimized in the direction of openness and platform
In the past, brokerages’ poor performance in responding to customer customization needs was often attributed to a variety of reasons. Such as lack of product and service innovation and agile collaboration mechanisms. Lack of modularity and scalability of technology architecture, and weak digital delivery capabilities of technology teams.
Although the core of digital transformation lies in digital-driven business transformation. It is undeniable that the upgrading and evolution of data. Systems and digital tools is one of the key elements to support and even accelerate the digital transformation. In the past, due to the limited resources. The proportion of outsourcing systems is high and the types of suppliers are numerous.
Therefore, many internal products and business management systems are faced with the problems of complex architecture, aging technology, poor expansion of architecture and high reconstruction cost. The system architecture pain point is becoming the bottleneck that restricts the digital construction of securities firms. Especially the application innovation of new data and digital tools. Therefore, the digital transformation of securities firms should attach great importance to the architecture optimization of the legacy system. Optimize and even reconstruct the architecture with the ideas of openness, micro-service and platform. And improve the flexibility and expansibility of the architecture.
Explorer: Soochow Securities A5 trading system multi-activity architecture to improve customer service agility
A5, a new-generation securities trading system independently developed by Soochow Securities. Is the core securities trading system of securities brokerages dealing with all business. In terms of technology, A5 has achieved autonomy and control. And has made certain progress in terms of transaction processing performance, innovative business support, flexible expansion of architecture and other aspects. Especially in the aspect of active-active architecture design, apart from the traditional active-standby mode. A5 system also supports the active-active parallel processing mechanism to process services. The high-availability active-active architecture can prevent financial systemic risks and improve the service capability of financial customers.
Trend 6: There is still great potential for securities organizations to improve efficiency, and the establishment of digital business platforms will improve the efficiency of collaboration
Although securities firms continue to increase the investment in information technology and the scale of science and technology teams is growing year by year. There is still a large potential space for improving the organizational efficiency of internal business operation by digital means.
Specifically, brokerages need to upgrade the efficiency of business processes through technological means. Including office collaboration, exhibition industry, research and development, operation and other scenarios. RPA+AI and other means can help improve the organizational efficiency of digital technology. At the same time, digital operation capability should be comprehensively enhanced through in-depth excavation of digital enabling scenarios, strengthening analysis and application of big data, improving construction of supporting digital tools. And focusing on building customer service platform, operation enabling platform and enterprise-level data center platform.
Explorer: Industrial Securities construction and operation of the main core system to strengthen management efficiency
In terms of strengthening management and control of operational risks and overall planning and construction, Industrial Securities takes “two types of systems. One capability” as the transformation implementation path to improve the overall utilization efficiency of operational resources. Industrial Securities continues to build the main core system of operation, strengthen the management efficiency, take the data center platform and operation platform as the core. And improve the intelligence ability of the middle platform with the help of artificial intelligence means such as RPA, OCR and NLP.
Trend 7: The digital upgrade of securities risk management system will fully release the value of data and strengthen the ability of agile and precise risk control
The regulatory authorities have increasingly strict requirements on risk management and compliance of securities firms. Meanwhile, in the process of business capitalization, securities firms also need to have stronger risk management ability. Therefore, the application of regulatory technology by securities brokerages not only needs to meet the compliance requirements of regulatory authorities. But more importantly, should improve the ability of compliance operation and risk management according to their own business development requirements.
In terms of compliance risk control, the intelligent risk control system based on big data and intelligent algorithm can release the value of data, promote the upgrading of risk prevention and control in real-time and comprehensive. And enable the risk control system of securities firms to achieve adaptive scenarios and quantification of risk coefficient.
At the same time, under the background of strict government regulatory requirements, increasingly complex securities business types and diversified risk types, securities brokerages need to realize comprehensive risk management system upgrade, which can be deployed from the aspects of building information disclosure system, improving data analysis and risk early warning capabilities, realizing intelligent compliance and compliance use of data assets. Actively explore the use of fintech to enable risk management. And form a risk control system commensurate with regulatory compliance requirements and risk change characteristics.
Explorer: Haitong Securities establishes a comprehensive risk management system based on the customer dimension to dynamically monitor the customer credit risk
Haitong Securities has changed the traditional method of separating data among lines, departments, products and systems and identifying risks separately, and has established a comprehensive risk management system “customer-centered”. In addition, it combines internal rating model and user portrait to dynamically monitor customer credit risks and realize unified management. In addition, based on the big data platform, Haitong Securities carries out T+1 day integration of the credit business data of all business lines, departments and institutions, and realizes the analysis and monitoring of multiple indicators such as expected credit loss and unexpected credit loss in terms of credit business monitoring.
Trend 8: The level of scientific and technological governance of securities firms is required to be improved, and the construction of information technology management system and the control of the whole life cycle of information security will become the key tasks
After entering the era of cloud computing and big data, securities firms’ informatization level and information security requirements are increasing. At the same time, the changes and evolution of the application scenarios of brokerage business also bring greater challenges to the system operation and maintenance. The Information Security Three-year Improvement Plan drafted by the China Securities Association provides brokerages with action guidelines for improving network and information security work.
Based on the characteristics of high data security requirements and business continuity construction of securities firms, perfecting the science and technology governance structure will become the key task for securities firms to improve the level of science and technology governance, focusing on promoting the construction of information technology management system and the control of the whole life cycle of information security. In addition, improving the ability of information system fault detection is also a key link in the security of securities information system. On the one hand, it is necessary to improve the accuracy of event warning, timely response and disposal of security incidents. And on the other hand, it is necessary to improve the disaster recovery ability of information system and data.
Explorer: Nanjing Securities adopts the remote disaster recovery center in the whole cloud mode for regional security isolation
Nanjing Securities has established backup capabilities for its information system that meet regulatory requirements according to documents. Such as “Information Technology Management Methods for Securities Fund Operating Institutions”. Nanjing Securities adopted Shanghai Cloud’s all-cloud mode remote disaster recovery center construction scheme. Whose architecture design integrated many factors such as network, application, data, operation and maintenance. And combined with cloud architecture bearing IaaS foundation to design. At the same time, Nanjing Securities conducted a block audit on the cloud disaster recovery center architecture to clearly locate the functions of each region and reliably isolate each region.
Organization Development
Trend 9: Building an enterprise-level organizational evaluation system is a breakthrough to improve digital business management capabilities, which will support management decisions and improve organizational collaboration
Whether digital transformation investment is effective has gradually become the focus of attention of the management of each securities company. Therefore, brokerages need to establish a set of applicable enterprise-level digital investment evaluation system and method. Which will be conducive to supporting the management’s decision-making direction, control and reasonable allocation of IT resources. Promote consensus among all staff and enhance collaboration of digital transformation work. And strengthen IT operation closed-loop management, improve IT resource use efficiency. In short, oriented by value and effectiveness, the establishment of digital input evaluation system will provide decision support, performance evaluation, direction control for brokerages, and enhance the ability of value-driven digital business management.
Explorer: CICC Wealth focuses on data driven organizational management and builds an agile collaborative organization
Zhongjin Wealth has preliminarily realized the comprehensive transformation of agile organization by setting up all-staff OKR and constructing Agile collaborative organization. Cicc Wealth not only changed from the departmental and silo organizational structure to agile and matrix. But also changed the organization and business management from mainly driven by experience to mainly driven by data. And supported the realization of digital strategy of the company’s business through digital transformation.
Trend 10: Scientific and technological personnel will become the key strategic reserve for the digital transformation of securities firms, and the digital organizational capacity building oriented by business objective assessment will play an important role
In recent years, the scientific and technological talent team of the head brokerage accounts for 1% – 3% of the increase of different amplitude. In the future, scientific and technological talents will become the key strategic reserve and success guarantee for the digital transformation of securities firms. Securities firms need to establish a digital transformation organization and talent system that fits their own digital transformation development, build an agile organization that integrates business and technology. And promote the guarantee mechanism for the construction of enterprise-level digital organizations.
At the same time, in the process of improving the digital organizational ability of securities brokerages. The business goal assessment orientation should be integrated into the digital thinking. Including the reconstruction and optimization of management and incentive mechanism. The recruitment of business and science and technology composite talents. And the improvement of their cultivation and growth mechanism. So as to further strengthen the construction of digital organizational ability.
Explorer: Huatai Securities set up digital operation department to explore digital innovation
Huatai Securities led the brokerage industry with 3,196 R&D staff in 2021, accounting for more than 10 percent of the total. At the same time, Huatai Securities set up the digital operation department, the digital thinking into the business. The digital operation department sets up a digital transformation promotion team composed of business personnel and technical personnel in each major business line to improve the efficiency of collaborative business development and explore.
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