基于云计算架构的银行数字化转型研究 ——以武汉众邦银行股份有限公司为例

Research on Bank Digital Transformation Based on Cloud Computing Architecture: Taking Wuhan Z-Bank Co., Ltd as an Example

摘要:

银行的数字化转型并不等同于信息化，也不只是对数字技术的简单使用，还带来新的业务形态和管理方式。因此，为满足银行数字化转型带来的海量数据处理与业务快速多变的诉求，武汉众邦银行股份有限公司（以下简称“众邦银行”）探索开发了可以实现数据共享和弹性扩展的云计算金融架构。聚焦云计算的特点以及对银行数字化转型的技术路线，运用单案例分析方法，收集与众邦银行有关的二手公开资料并通过调研访谈和会议等形式获取一手资料，对该银行基于云计算架构设计的数字化转型路径进行分析。众邦银行构建的云计算金融架构与银行数字化转型过程中主要关注的三大问题——数据安全与网络安全、数据整合与数据共享、业务弹性扩展与系统升级具有高度的契合性；同时，云计算通过产品快速开发、服务敏捷提供和系统智能运维三大路径推动银行数字化进程，使得该银行具备更强的产品创新能力、更快的金融服务能力和更便捷的运营维护能力。经测算，众邦银行在使用云计算之后，运维人力成本降低近50%，硬件使用成本降低30%左右。

Abstract:

The digital transformation of banks is not equivalent to informatization, nor is it merely a simple application of digital technologies. It brings about new business models and management approaches. In recent years, China has seen the emergence of numerous innovations in financial institutions, products, and services, such as digital payments, digital finance, internet banking, and robo-advisors, marking a wave of digital transformation in the banking industry. To address the challenges of massive data processing and rapidly changing business demands posed by digital transformation, Wuhan Zhongbang Bank Co., Ltd. (Z-Bank) has explored and developed a cloud computing financial architecture capable of enabling data sharing and elastic scalability. This paper focuses on the characteristics of cloud computing and the technological roadmap for bank digital transformation, through a single-case study methodology, secondary publicly available data related to Z-Bank were collected, and primary data were obtained through surveys, interviews, and meetings. The analysis examines the bank’s digital transformation path based on its cloud computing architecture design. Z-Bank’s cloud computing financial architecture aligns closely with the three major concerns in the bank’s digital transformation process: ensuring data security and network security, integrating financial big data to meet the need for fast and large-scale data sharing, and enabling business scalability and system upgrades. Furthermore, cloud computing accelerates the bank’s digital transformation through three key pathways: rapid product development, agile service delivery, and intelligent system operations and maintenance. These factors equip the bank with enhanced product innovation capabilities, faster financial service provision, and more efficient operational maintenance. Estimates indicate that after adopting cloud computing, Z-Bank reduced operational labor costs by nearly 50% and hardware usage costs by approximately 30%.