雲原生開路、多技術架橋,恆生電子這樣賦能金融行業數字化轉型

{"type":"doc","content":[{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"“一般來說,金融行業的技術換代是要以十年計的。”金融科技專家、恆生研究院院長白碩對InfoQ說道。縱觀金融行業技術的發展歷史,的確如此。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"70 年代,中國銀行引進第一套理光-8型(RICOH-8)主機系統,揭開了我國金融電子化發展的序幕。1991年,人民銀行衛星通信系統上電子聯行正式運行,標誌着我國銀行信息系統進入了全面網絡化階段。隨着數據應用和“網上銀行”的崛起,中國金融行業在21世紀初期邁入了信息化階段。互聯網金融不斷豐富的新形態、新服務與新模式,在潛移默化地改變人們生活方式的同時,也讓我們看到了新技術賦能傳統行業的魅力所在。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"如今,在數字化轉型的熱潮下,金融行業又迎來了新的發展契機。每個行業,甚至每個企業領導人對數字化轉型的理解不盡相同,那麼什麼是金融行業的數字化轉型?當前金融行業的數字化轉型又做得如何了?InfoQ專訪了金融科技企業恆生電子的技術團隊,希望通過恆生電子的數字化轉型和客戶服務經驗,一窺金融機構數字化轉型現狀和未來發展,以及在整個過程中需要解決的問題。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"這個行業,技術步子不能邁太大"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"1995年,八位工程師聯合創立了恆生電子。經過26年的發展,恆生電子目前擁有近萬名員工,其中研發人員佔比在60%左右。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"image","attrs":{"src":"https:\/\/static001.geekbang.org\/infoq\/63\/633ce695971a31106f581cd3a19a6f7f.png","alt":null,"title":null,"style":[{"key":"width","value":"75%"},{"key":"bordertype","value":"none"}],"href":null,"fromPaste":true,"pastePass":true}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":"center","origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"圖片來源:恆生電子 "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"恆生的技術團隊是典型的三級研發架構體系,自底向上分別是業務部門平臺研發、研發中心和恆生研究院。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"業務部門研發負責對接金融機構的業務需求,將技術落地業務場景,提供整體解決方案。研發中心則聚焦底層技術平臺,全面滿足雲原生架構的新一代技術框架需求,推進適應金融領域全業務場景的技術研發,提高產品技術的複用率,更加關注通用型業務需求。恆生研究院定位於前沿技術研究,和高等院校開展合作,覆蓋區塊鏈、高性能計算、大數據、人工智能、金融工程等領域。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"職責分明的組織架構使新技術和現有業務之間可以更好地平衡,同樣也使整個企業在賦能行業數字化轉型過程中走得更“穩”。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"技術在金融行業經歷了一個從被動採用到主動賦能行業的過程。過去很長一段時間,業務需要什麼,科技就做什麼。但到了2015年左右,技術已經走到了行業前面,部分技術開始反過來賦能整個行業,推動這個行業的快速發展。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"但對於金融行業來說,下決心將一項新技術用在業務中需要慎之又慎。“在沒有充分揭示所有風險之前,步子邁太大不是好事情。”白碩表示,最主要的是監管方面的考量。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"這不難理解。金融行業是經濟發展的喉舌,影響範圍巨大。在白碩看來,技術需要擁抱監管。企業要清楚地知道監管關注什麼、新技術在業務上使用的後果是什麼,才能符合監管的要求。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"2015年,國務院首次提出“支持銀行、證券、保險企業穩妥實施系統架構轉型,鼓勵探索利用雲服務平臺開展金融核心業務”。這意味着,雲計算正逐步成爲監管認可的技術。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"2016年,恆生技術團隊開始探索雲原生平臺建設,並嘗試自己做效能管理。在恆生平臺業委會負責人、研發中心總經理許欣芃看來,這一年便是恆生加大步子賦能行業數字化轉型的開始。在此之前,恆生參考了很多互聯網公司的改造案例,在充分了解到雲原生的優勢之後才終於下定決心對傳統的金融系統進行雲原生改造。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"簡單的“雲原生”三個字其實要做很久"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"雲原生改造,研發先行。恆生的研發部門先用敏態產品做測試,然後進行微服務架構選擇,之後是中間件等,一步步使用雲原生技術底座、雲原生運維監控設施和雲原生一系列的開發標準和規範。這個過程花了兩三年的時間。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"這期間,運維人員也面臨着重大考驗。之前運維可能通過操作一臺物理機、點個程序就可以完成。但變爲分佈式系統後,運維人員如果不重新學習、培訓,可能會覺得無從下手。“運維人員的理念需要改變,這是他們必須要走的路。”許欣芃說道。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"2018年,恆生的第一個雲原生產品誕生。這是一款應用在理財銷售產品上的軟件。因爲理財銷售領域個性化需求很多,不同的金融機構想要的軟件功能不盡相同。在沒有云原生改造之前,研發團隊要花費很多精力在滿足不同個性需求上。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"經過雲原生改造後,在產品升級和用戶需求響應方面,技術團隊明顯感到比原來好了很多,使用該產品的金融機構也給予了充分肯定。這之後,技術團隊開始對微服務改造進行復用,並藉此積累一些制定底層產品開發標準規範的經驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"恆生的雲原生改造是一個從點到面的過程。到了2019年,技術團隊發現,所有的業務系統都可以按照同樣的模式開發,運維和監控也逐步成熟,整體效果得到提升。恆生將雲原生推廣到所有產品上,技術團隊的研發效率得到提高,也逐步解決了技術棧管理複雜的問題。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"雲原生改造離不開一朵朵可靠的雲。當前,金融機構往往會選擇將應用放在金融行業雲上,例如在證券期貨行業知名的上證通、深證通。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"一個雲原生的業務系統部署離不開IaaS層和PaaS層的支持。恆生提供的是開發框架、代碼開發和運維這樣的平臺服務,即PaaS層服務。基於恆生自研的PaaS平臺開發的業務系統,可以方便在地在行業雲、私有云以及公有云上無縫部署。 "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"c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:"color","attrs":{"color":"#494949","name":"user"}}],"text":"“金融行業是國家經濟命脈,證券行業系統的可靠性一定要好,因爲它和每個投資者息息相關。”恆生財富經紀業務羣首席架構師胡玉柱表示。在保障可靠性上,恆生技術團隊除了以最快速度修復出現問題的代碼外,也做了同城雙活、異地災備等各種保障措施,確保金融系統在出現意外的情況下,以最快速度恢復正常,最大程度降低意外損失和影響。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"但證券行業有着交易時間短但交易量大的特點,特殊的時間點如開盤,會在一瞬間湧來大量的交易,對高併發的要求很高,而交易特性也決定了高併發問題無法用延時方式解決。另一方面,證券公司面臨着業務機構化、服務機構化的挑戰,需要打造更爲專業的技術服務平臺,爲此,恆生技術團隊做了很多技術儲備。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"以量化交易爲例,量化私募機構對於高併發、低延時有着極致要求,同時交易系統又要保持穩定、易用。目前,券商在低時延系統開發方面的投入加大。爲此,恆生自主研發了低延時分佈式中間件Light-LDP,具備極低延時、分佈式解耦、靈活開放等特點,支持金融機構微秒級業務應用,可實現吞吐量超3000萬筆\/秒,交易實測全鏈路時延12.7微秒,行情實測全鏈路時延1.3微秒。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"近幾年,數據和技術在金融機構中的地位正在發生變化。從前,業務需要什麼技術就用哪些技術,對數據的利用更依賴業務員的個人水平。現在,技術已經走在了業務前面,可以反過來去推動企業構建數據分析需要的技術架構,並利用各種標準化和非標準化數據建立一個綜合性的服務體系。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"離業務更近的胡玉柱團隊最大的感受便是,雖然金融機構在數字化轉型的大方向上有很多事情要做,但是這些機構想要解決具體的業務問題,落腳點還是在系統建設上。這也導致了不同的細分領域對數字化的理解不一樣,開發重點也不相同。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"以證券行業爲例,除了機構化專業服務,財富管理能力提升和提高內部運營效率,也是行業發展的主要方向,而數字化恰好可以滿足轉型需求。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"隨着中國人均 GDP 突破 1 萬美元大關,高淨值人羣和可投資資產規模的持續上漲,公募基金投顧等全新業務模式發展,財富管理正成爲券商業務發展的新風口。財富管理是金融科技在證券行業主要的應用領域,新興數據智能技術幫助券商在財富終端、投顧服務、資產配置、風險管理等各領域全面提升數字化財富管理和服務能力。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"而內部運營效率,同樣也是整個行業面臨的痛點。數字化系統可以將整個過程記錄下來,通過數據分析找到可以提升效率的地方,然後再通過使用相應的工具、改善對應的流程等方式,提升整體運營效率。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"所以,數字化轉型要做的就是通過線上工具對線下工作進行量化,這十分契合金融機構的需求,也是金融機構爲什麼看重數字化轉型的原因之一。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"雖然數字化轉型可以解決金融機構的很多問題,但從另一方面來說,金融機構對穩定性格外重視,尤其像集中交易這樣重要的業務系統,證券公司幾乎99%的客戶都與集中交易有關。集中交易系統承擔了大量的客戶運營相關工作,而數字化轉型涉及到客戶運營方式的變化,進一步需要集中交易系統去配合改造。但頻繁的改造會帶來穩定性的風險,迭代越快,穩定性風險越大。所以集中交易整體上定位是一個穩態系統,這種穩態系統升級節奏比較慢,很難適應轉型的要求。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"所以怎麼轉型,同樣是個問題。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"爲此,恆生技術團隊首先將整個業務系統按照迭代頻率的不同分成不同的微服務。這些微服務總體分成兩類:敏態微服務和穩態微服務。具體來說,競價通道類業務系統,如證券交易,屬於穩態微服務,仍然按照之前的慢節奏進行升級。而對於信息查詢、賬戶等運營性質的業務,穩定性要求相對低而迭代頻率高的,從集中交易系統中拆分成獨立的微服務,採用雲原生架構,實現快速迭代。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"不同機構對雲原生改造的態度也不盡相同。頭部券商比較容易接受,但能力有限的中小型金融機構雖然認識到了雲原生的優勢,但隨之而來的運維複雜度等問題也會制約他們的選擇。 "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"在白碩看來,金融機構的數字化轉型是一把手工程,一把手對待數字化轉型的態度決定了數字化轉型後續的一切。白碩表示,“在整個數字化轉型過程中,一旦長尾企業沒有跟上行業的腳步,則可能會面臨被淘汰的危險。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"數字化轉型,非一日之功"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"那麼,金融行業到底怎樣纔算完成數字化轉型呢?"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"“數字化轉型最大的不同是會形成這樣的一個閉環:端上的行爲數據被採集並放到雲或企業大腦上,企業大腦根據這些數據進行一定的智能化分析,分析結果再反饋到端。”白碩說道,“我認爲,這個閉環的形成是數字化轉型成功的重要標誌。如果沒有這個閉環,那就還是信息化,而不是數字化,更不是數智化。”"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"“大膽試、小心上”是整個金融行業數字化轉型的明顯特點。除了要遵循審慎原則,對技術進行打磨、對業務進行調整都需要時間,這也註定金融行業的數字化轉型相比互聯網等行業要慢很多。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"“未來5-10年,我們都會處於賦能的階段。”白碩表示。這個階段只是一部分技術可以推動業務發展。只有當技術羣落髮展到可以改變業務形態時纔會到達技術“引領”階段。其中,各項基礎設施需要完善、算法模型需要改進、各種技術需要交叉融合應用等,這是一個從量變到質變的過程,需要比較長時間。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"數字化轉型總會有意無意地影響既得利益者,當既得利益不被照顧時,這個進程會大大減慢。但人才稀缺問題是制約整個行業前進更大的阻力。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"純IT人在金融行業並不喫香。金融行業不是隨便一個純技術公司就能提供服務的行業。研發人員如果不知道財報傳達了什麼、海量金融術語是什麼意思,這些都會阻礙金融產品的研發。對於這個行業來說,純技術是“外來者”,必須有行業裏既懂技術又懂金融的“帶路黨”幫他們真正進入這個行業。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"但“既懂技術又懂金融”的人才並不好找,尤其是細分領域裏專家級的人物。另外,金融企業對人才的容納量是有限的。“一些特別小衆的行業門檻尤其高,但容量又小,這是最難受的。”白碩說道。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"在白碩看來,目前解決人才問題最好的辦法就是在實踐中彌補金融知識缺口,容量問題則需要一定體量的大公司拓展市場,增加行業需求。對於有志進入金融行業的IT人才,白碩給的一個建議是先進入大的金融科技公司磨練。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"heading","attrs":{"align":null,"level":2},"content":[{"type":"text","text":"結束語"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"數字化轉型不是一個線性前進的過程,中間需要不斷經歷調整、失敗,再調整直至成熟。除了有需求,還要有切實可行、成本可控的方案,否則就完不成轉型。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"恆生電子總裁劉曙峯表示,恆生在金融科技發展部署上將側重三個方面:架構升級,即基礎架構微服務;業務結構重構,也就是解決方案升級;數據驅動,做數據技術、AI技術的應用佈局。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"數字化轉型,挑戰與機遇並存。行業裏各位玩家,到底是能彎道超車還是被市場淘汰,還有待時間的檢驗。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}},{"type":"strong"}],"text":"嘉賓介紹: "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"ori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年第六季),本期精選了京東、微衆、恆生等技術團隊在技術落地、團隊建設方面的實踐經驗及心得體會。"},{"type":"link","attrs":{"href":"https:\/\/www.infoq.cn\/minibook\/LxX7bFUwKH17bzxQkSKt?utm_source=infoq-web&utm_medium=vipbottom&utm_term=1019","title":"xxx","type":null},"content":[{"type":"text","text":"點擊"}]},{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"可下載往期內容,查看更多獨家專訪!"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"《中國卓越技術團隊訪談錄》是 InfoQ 打造的重磅內容產品,以各個國內優秀企業的 IT 技術團隊爲線索策劃系列採訪,希望向外界傳遞傑出技術團隊的做事方法 \/ 技術實踐,讓開發者瞭解他們的知識積累、技術演進、產品錘鍊與團隊文化等,並從中獲得有價值的見解。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":"如果你身處傳統企業經歷了完整的數字化轉型過程或者正在互聯網公司進行創新技術的研發,並希望 InfoQ 可以關注並採訪你所在的技術團隊,可以添加微信:caifangfang842852,請註明來意及公司名稱。"}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null},"content":[{"type":"text","marks":[{"type":"color","attrs":{"color":"#494949","name":"user"}}],"text":" "}]},{"type":"paragraph","attrs":{"indent":0,"number":0,"align":null,"origin":null}}]}
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