Through the implementation of the "1031" project and the construction of informationized banks, ICBC has built a peer-leading fourth-generation core banking system and established a leading edge in information technology.
In order to respond to changes in the internal and external situation and to meet the development requirements of business innovation and transformation, ICBC launched the IT architecture transformation work in 2015. It makes full use of new technologies such as distributed and cloud computing, and builds a new technology system characterized by openness, high capacity, easy scalability, controllable cost, security and stability, and convenient research and development based on an infrastructure that organically combines an open platform and a host computer for future business development. Under the interaction between the external drive of technological change and the endogenous demand of transformation and development, ICBC launched the intelligent banking ecosystem (ECOS) project in 2017, which is centered on the objectives of "intelligent and inclusive customer service, open and interconnected financial ecology, business operation*** enjoyment and linkage, highly efficient and flexible innovative R&D, and business and technology convergence*** construction". The ECOS project focuses on the goal of building a smart bank with "smart customer service, open and interconnected financial ecosystem, open and interconnected business operations, efficient and flexible innovation and R&D, and integration of business and technology***. The company's new eco-system is highly integrated with finance and technology.
1. Build a service-oriented, loosely coupled application architecture. Simultaneously with the construction of the ECOS project, ICBC introduced the industry-leading Continuous Value Enhancement (CVE) methodology to systematically carry out the top-level design of business domains by analyzing the development strategy of the entire bank, the forward-looking planning of business development, and the problems of the current state of the business, and to carry out business modeling in the three dimensions of process, product, and entity, and to integrate and build an enterprise architecture that covers 63 business domains and more than 100 business components, It integrates and builds an enterprise-level business architecture covering 63 business areas, more than 100 business components and nearly 4,000 task components, and guides and promotes the construction of IT systems. Through docking and landing from business domains, business components and business objects to IT applications, IT services and data objects, we have formed an enterprise-level service system covering business product services, business and data basic services, and technical basic services, and created a layered and decoupled application architecture by focusing on business objects and aggregating services centered on data. It has established a componentized R&D mechanism to realize efficient conduction of business models and promote consistent undertaking from business to IT under the context of unified architecture. We have completed componentization in hot areas such as payment and settlement, credit card, etc., and refined more than 19,000 IT services, with a daily transaction volume of more than 4 billion, which has improved the market response speed of product development.
2. Build the host + open platform dual-core system.
Relying on the independently controllable and complete system of open platform technology, we have gradually transformed from the traditional host-based application layout to the host+open platform dual-core layout, and initially built the open platform core banking system with the ability to undertake the host business downstream. Among large domestic banks, it has taken the lead in realizing the complete closed-loop processing of core banking business, and as of the first half of 2020, more than 90% of its applications have been deployed on the open platform. Among Chinese banks, it is the first to use the self-developed open platform offshore core business system, which has been actually put into production and operation in the newly established institutions in Europe and the Asia-Pacific region. With the deepening of dual-core construction, ICBC has been able to maintain zero growth in host resources in the face of rapid growth in business volume, and has realized a cumulative reduction of host resources of more than 65,000 MIPS from 2015 to 2020.
3. Forming a dual-wheel-driven open financial ecosystem. ICBC has built an API open platform characterized by "embedded scenarios and financial output" and a financial ecology cloud characterized by "green deployment and agile on-line", which combine to form a "dual-wheel drive" for the construction of Internet financial scenarios across the bank. The combination of the API open platform and the financial ecological cloud, characterized by "green deployment and agile on-line", forms a systematic brand of the bank's Internet financial scenario construction. At present, it has opened more than 1,800 API services in 9 categories to the public and provided services to more than 8,800 partners, making it the open platform with the most partners and the most comprehensive services in the banking industry. The company has launched 17 financial ecological cloud products, including education cloud and property cloud, and has promoted more than 30,000 G/B customers and 9.29 million C customers.
1. Build a multi-modal, high-performance data exchange system. ICBC has built a multi-modal, high-performance enterprise-level data exchange platform through the comprehensive use of streaming data processing, data replication, and file **** enjoyment technologies, providing real-time, quasi-real-time, minute-level, hourly, and other time-sensitive enterprise-level data exchange services for the entire bank, and achieving good results in application scenarios such as real-time reminder of balance changes, real-time transaction anti-fraud, and quasi-real-time deposit and loan deviation calculations. The company has also achieved good results.
2. The first to build an independently controlled big data service cloud.
The first in the industry to complete the transition from traditional closed architecture (TD, Extradata) to open distributed architecture (Hadoop, MPPDB), and to build the financial industry's largest cluster, the most complete technology ecosystem, and the strongest supply capacity of the big data service cloud system, with hardware and software inputs of only 30% of the original product inputs. The full data integration capacity exceeds 9.3PB, providing efficient, convenient, and rich high-quality data services for 171 head office applications, 22 business departments, and 52 domestic and foreign branches and subsidiaries.
3. Invest in building an enterprise-level data center. In accordance with the overall layout of the ECOS project, and with the goals of *** enjoyment, reuse, and innovation, we have created efficient, intelligent, open, and *** enjoyment of standardized data services through measures such as data asset precipitation, data servitization, data asset operation, and data product output. For more than 10,000 data analysts across the bank to provide one-stop, full-chain route BI analysis capabilities to support the construction of comprehensive risk management, credit card wind control, intelligent brain and other key scenarios, to accelerate the promotion of customer service, operations, products and wind control and other areas of intelligent empowerment, to enhance the ability of each professional data application innovation.
1. Build a series of enterprise-level new technology application platforms. ICBC relies on the Financial Technology Research Institute to systematize the layout of new technologies, and has built ten major technology platforms for cloud computing, distributed, API platforms, big data, streaming data, artificial intelligence, the Internet of Things, blockchain, biometrics, and the mobile Internet, which are a concentrated reflection of ICBC's technological leadership. The artificial intelligence machine learning platform integrates the industry's mainstream machine learning algorithms to provide a convenient and efficient AI full-stack platform with full-process modeling and self-learning, empowering the intelligent application of data and building ICBC's intelligent brain. The IoT financial service platform extends the bank's financial service boundaries, innovates financial service models, and provides safe and reliable intelligent IoT solutions by intelligently sensing everything and acquiring massive IoT data. Blockchain technology platform builds a blockchain application ecosystem to serve the real economy in seven major business areas, including fund management and supply chain finance, with more than 1,000 institutional users and 1 million individual users, nearly 100 patents, and a number of industry awards.
Biometrics Platform
The biometrics platform provides face, fingerprint and other biometric features management, security control, service scheduling and other functions, with multi-biometric features unified control, unified service capabilities.
2. We have built an independently controllable and complete cloud computing and distributed technology system. The cloud computing platform is characterized by openness, high capacity, easy scalability, and intelligent operation and maintenance, and has been transformed from the traditional manual-based virtualization architecture to a new cloud computing architecture with fast provisioning, stability and reliability, resource pooling, and intelligent operation and maintenance. As of August 2020, ICBC has realized the scale of 60,000+ nodes and 34,000+ containers in the cloud, with the ability to automatically supply 10,000-level container clusters, increasing the utilization rate of server virtual resources by an average of 2~3 times under the same business volume, and shrinking the time for system expansion during peak business periods from tens of minutes to seconds, and won the first prize of the People's Bank of China's Science and Technology Development Award in 2019. The distributed technology platform covers nine categories of distributed technology components, which are widely used in more than 150 applications such as fast payment and commemorative coin reservation, providing a technical foundation for the transformation of IT architecture from a monolithic centralized architecture to a distributed servitized architecture. As of August 2020, the average daily transaction volume exceeded 5 billion, the concurrency support capacity exceeded 100,000 transactions per second, and the average response time of key transactions was less than 10ms, which effectively responded to the impact of high-frequency and high-concurrency transactions, such as the "double eleven" spike, on the stability of the IT architecture and business continuity.
Implement the national network security level protection 2.0 requirements, improve the construction of security system, strengthen the security protection in the field of new technologies, and synchronize the planning and construction with the development of cloud computing, big data, artificial intelligence, blockchain, 5G, Internet of Things and other financial technologies. We have studied and improved the data-centered security methodology and protection system, strengthened the protection of personal information and privacy, and completed the certification and filing of the first batch of "Rong e Xing" with the Internet Finance Association of China. Focusing on the construction of the ECOS project, the company has established a multi-factor authentication system and developed various authentication and biometric technologies, such as cell phone shields, cloud certificates, fingerprints, faces, voiceprints, finger veins, irises, and so on. It also builds an enterprise-level anti-fraud platform to carry out intelligent wind control through multiple dimensions such as terminals, accounts, and behaviors, effectively intercepting fraudulent transactions and enhancing the defense and risk disposal capabilities of open banks.
In the new round of technological revolution and China's transformation of the mode of development of the historical intersection period, ICBC will be scientific and technological innovation as the first development momentum, and actively innovate and introduce the frontiers of financial science and technology technology, in the bank's strategy, under the guidance of the corporate structure, to strengthen the integration of IT and business. Through financial technology-enabled business transformation, innovative service models, expanding new ecosystems, improving the adaptability and flexibility of financial supply to the real economy, providing high-value services to customers, and providing a source of kinetic energy for the construction of a globally competitive world-class modern financial enterprise.