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

作　　者：左月华[1] 卢冠文 程峰 漆世昌 Zuo Yuehua;Lu Guanwen;Cheng Feng;Qi Shichang(School of Economics,Huazhong University of Science and Technology,Wuhan 430074,China;Wuhan Z-Bank Co.,Ltd.,Wuhan 430022,China;Tsinghua Shenzhen International Graduate School,Shenzhen 518055,China)

机构地区：[1]华中科技大学经济学院,湖北武汉430074 [2]武汉众邦银行股份有限公司,湖北武汉430022 [3]清华大学深圳国际研究生院,广东深圳518055

出　　处：《科技管理研究》2024年第19期104-115,共12页Science and Technology Management Research

基　　金：国家社会科学基金一般项目“基于大数据的金融科技信息对资本市场效率影响、机制研究及市场建设的启示”(21BJY079)。

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。结果发现: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。The digital transformation of banks is not equivalent to informatization,nor is it merely a simple application of digital technologies.It brings in new business models and management approaches.Recent years have seen the emergence of numerous innovative products and services in China's financial institutions,such as digital payments,digital finance,internet banking,and robo-advisors,signaling 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.(hereinafter referred to as Z-Bank)has explored and developed a cloud computing financial architecture capable of enabling data sharing and elastic scalability.This paper employs a single-case study method,with a focus on the characteristics of cloud computing and the technological roadmap for bank digital transformation,secondary publicly available data related to Z-Bank are collected,and primary data are obtained through surveys,interviews,and meetings.The analysis examines the bank's digital transformation path based on its cloud computing architecture design.It finds that 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.According to calculations,after adopting cloud computing,Z-Bank is believed to reduce its operational labor costs by nearly 50%,and hardware usage costs by approximately 30%.

关 键 词：银行 数字化转型 云计算 云平台 互联网银行 金融科技 

分 类 号：F832.2[经济管理—金融学] F49[文化科学] G301