This is in the various listed banks last year's financial report shows the most.

According to Datayes, large state-owned banks (including the Postal Savings Bank) invested more than 100 billion yuan in technology last year. Among them, ICBC, CCB, ABC, BOC, CPSB and BTC invested 25.987 billion yuan, 23.576 billion yuan, 20.532 billion yuan, 18.618 billion yuan, 10.030 billion yuan and 8.750 billion yuan in science and technology respectively.

At the same time, the joint-stock banks' investment in science and technology is also quite huge, China Merchants Bank, CITIC Bank, Ping An Bank, Industrial Bank, and Everbright Bank's investment in science and technology amounted to 13.191 billion yuan, 7.537 billion yuan, 7.383 billion yuan, 6.364 billion yuan, and 5.786 billion yuan, with year-on-year growth of 11.58%, 8.82%, and 2.4%, respectively, 30.89% and 12.35%.

In addition, the city commercial banks have also increased investment in technology, such as the Bank of Qingdao last year, technology investment amounted to 40.47 million yuan.

For example, the Bank of China released a financial technology strategic plan (2021-2025) to accelerate the overall cloud transformation and promote the "construction bank cloud" as the preferred brand of cloud services for the financial industry.

The Bank of China has set up a financial digitization committee to coordinate and promote the group's digital development, financial technology, data governance, and information technology risk management system construction.

The Bank of Zhejiang has implemented the Digital Transformation Program of the Bank of Zhejiang, which will explore the in-depth integration of cutting-edge technologies such as blockchain, the Internet of Things, and big data with the bank's business, embedding financial technology into practical and efficient corporate financial services, and focusing on solving the core needs of enterprises in order to shape the competitive advantage of the market.

Correspondingly, last year, banks expanded their technology teams and put more technology researchers on the front lines of business.

One of the unique sights of the banking industry in recent years has been the dwindling number of offline outlets, but the number of research teams has continued to grow.

Tonglian Data Datayes statistics show that by the end of 2021, China Merchants Bank's R&D staff reached 10,043, up 13.07% year-on-year; Ping An Bank's tech staff (including outsourcing) exceeded 9,000, up 5.88% year-on-year; Bank of Communications' financial tech staff reached 4,539, up 14.16% year-on-year; and CITIC Bank's tech staff (excluding subsidiaries) reached 4,286, up 14.16% year-on-year. CITIC Bank technology personnel (excluding subsidiaries) amounted to 4,286, an increase of 2.29% year-on-year ......

Last year, Ping An Bank went deep into the supply chain scene and ecology, and continued to innovate its business model with the help of technology, promoting the supply chain finance platform "Ping An Good Chain" with an annual financing amount of 51.976 billion yuan, an increase of 62.8% year-on-year.

The Bank of Communications, on the other hand, has deepened its technological empowerment by launching the "Payroll Tax Manager" digital payroll scenario solution, which helps small and medium-sized enterprises (SMEs) in their digital transformation.

Industrial and Commercial Bank of China (ICBC) has been promoting non-contact service innovation through the integration and optimization of multiple service scenarios, such as business cloud processing, emergency screen-to-screen, communication, all-weather, service integration, and open intelligent ecology, so that customers can conduct business "anytime, anywhere". The company's business is a new one, and it's a new one," he said.

In the view of a number of bankers, in order to enable technology to fully empower the bank's various businesses to enhance business efficiency, in addition to the introduction of more research and development personnel in the front-line business sector "collaborative efforts", but also through a large number of professional training, so that all business line staff to understand the latest developments in financial technology, familiar with how to use technology to enhance business efficiency. The first thing you need to do is to get your hands dirty.

At present, a number of banks have quietly opened targeted staff training program. For example, last year, Ping An Bank organized a "full FinTech certification study", covering big data, blockchain, 5G, Internet of Things and other financial technology cutting-edge technology and application scenarios, effectively enhancing the awareness of the full range of technology and the ability to use technology; Societe Generale, through the "5 + N Industrial Bank, through the "5+N" training system, updates employees' digital thinking, concepts, skills, and promotes people to learn technology, understand technology, and know technology, and grows the "BA (business analyst) + SA (system analyst)" composite talent team.

CITIC Bank said that the construction of the technology platform to achieve a major breakthrough, the launch of the first batch of public **** business capacity services, breaking the traditional "shaft" system construction model.

China Construction Bank continues to promote the construction of the technology center, creating a one-stop basic technology capability for the Group*** to enjoy, be agile and collaborate.

The Bank of China has formulated the Bank of China's 14th Five-Year Plan for Financial Technology, which includes establishing the concept of enterprise-level middle office development and enhancing the reuse capability of the whole group. At present, the Bank of China has built business, data, technology, and operations center stage.

"More importantly, the technology middle office empowers the business departments to enhance synergy while ensuring that the business operations comply with regulatory requirements." He pointed out. Especially in data processing, the bank must spend a lot of money into technology research and development, through privacy computing and other cutting-edge technology, to explore the establishment of the bank's internal data and external public **** data, industry data in the exchange of fusion process of information security protection mechanism.

In the view of a number of urban commercial banks, even if small and medium-sized banks may not build a technology center, they need to build a "light bank" or "digital bank" to build a new technology support path. Because the bank in the digital era of competition, the competition is the speed of response to customer demand and the ability to quickly solve the problem, but the construction and enhancement of this ability is inseparable from the technology to empower and support the corresponding organizational changes.

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