Current location - Loan Platform Complete Network - Big data management - The era of strong regulation in the fintech era is coming, how can fintech companies respond positively?
The era of strong regulation in the fintech era is coming, how can fintech companies respond positively?

The Internet is rapidly iterating and prompting industries to continuously accelerate their upgrading. From version 1.0 to the 4.0 era, the Internet has led the whole industry through is an ? evolution? process.

For example, in the way of thinking, each industry will be very different, especially in the form of thousands of financial sector.

Internet to push the financial industry to boost, cloud services to help upgrade the financial industry

Financial enterprises special point in the end?

The banking industry, for example, has very strict security requirements. Due to historical development, the internal IT system of the bank is very complex, usually each bank has hundreds of systems, and each system is not the same.

The Chinese banking system is very large, which may be perceived differently by friends outside the financial industry. These banks, in addition to the common common CCB, Agricultural Bank of China, but also includes rural credit unions, rural banks, city commercial banks, etc., they also have a huge IT system hosting needs. The recruitment bank cloud creation is to serve the above these customers. Chen Shak, director of the Strategic Research Institute of Zhaoyin Yunchuang, has explained the main business of Zhaoyin Yunchuang in a single sentence.

With the development of banking business, the national regulatory system is also more and more stringent, the previous banking system hosting and services to customers belong to the site hosting, there is often a lack of flexibility of the system. And the Internet development at the same time, customers also began to put forward some customized needs of the bank, whereby the bank business development has entered a bottleneck.

How to cope with the demand for financial IT on the Internet? How to meet the customized needs of customers? The financial industry's cloud computing or big data in the Internet financial concept of the background of the onslaught, but also facing the corresponding challenges. Although some industry insiders emphasize that banks have to do financial Internet, but not by the Internet to dominate the financial.

Chen Shak said, Zhaoyin Yunchuang hope that there is a demand for banking enterprises can put their program applications on the Zhaoyin PaaS platform, through which the platform can help this type of bank-related business faster landing. The survey shows that the asset management more than 100 billion banks, internal systems will be more than 100 or more, but for city banks, rural banks, most of the banks, maintenance and rapid iteration of more than 100 systems, is very difficult, if there is a platform to help such banks to realize the rapid processing of business will be a great thing.

In recent years, fintech has had its share of setbacks, advances and competition, but no one has ever really doubted its future. Now, fintech has also ushered in a new wind mouth, and the market is on fire so that big data risk control, cloud computing, and blockchain business are also burning up.

While financial product innovation and model innovation continue, risks of varying degrees are also lurking. The central government has repeatedly warned and emphasized the bottom line of guarding against systemic financial risks,? A line of three will? based regulators have taken a number of measures to promote the development of the financial industry compliance, especially Internet finance, financial technology and other new financial sectors ushered in the shift transition period.

In the public's impression, the financial technology services in the cloud computing services before always Ali dominant state, but in recent years, other enterprise-level services companies in the innovation of PaaS platform has shown strong momentum, and the art of specialization? Banking enterprises? The Zhaoyin Yunchuang is one of them. According to IDC's latest Worldwide Semi-Annual Public Cloud Services Spending Guide, spending on PaaS platforms grew at a five-year compound annual growth rate of 32.2 percent in 2017.

PaaS through the continuous accumulation of technological innovation, deep into the enterprise application field, to win the market, for application delivery, resource management, operation and maintenance efficiency, business support provides an important support system based on a new generation of IT architecture, can not be named.

And Zhaoyin Yunchuang is a wholly-owned subsidiary of China Merchants Bank, its scope of services is to open up the successful experience of 30 years of stable operation of China Merchants Bank's IT system and mature solutions of financial IT to the financial industry. With the team's rich experience in Internet application architecture and enterprise IT, rooted in the banking enterprise, and then do deep and thorough customer business characteristics, which is undoubtedly China Merchants Bank Yunchuang advantage.

More accurately, China Merchants Bank is the benchmark for innovation in the banking industry, and China Merchants Bank's fintech output is also a model for tireless innovation in the banking industry at the technology level.