Shenzhen is located in the central city of Guangdong-Hong Kong-Macao Greater Bay Area. The ability of scientific and technological innovation and the overall development level of the financial industry rank in the forefront of Guangdong-Hong Kong-Macao Greater Bay Area, and science and technology are closely combined with financial elements. As the first Internet bank approved to open in China, Weizhong Bank was born in this innovative and creative capital. Since its establishment, Weizhong Bank has been making great efforts in the construction of financial technology, actively exploring the application of artificial intelligence (AI), blockchain, cloud computing, big data and other technologies in finance, and giving full play to the positive role of financial technology in empowering the real economy and helping the development of inclusive finance.
"ABCD" opens the way, and the annual patent amount of 104 ranks fifth in the world.
The integration of technology and finance can deeply drive the financial innovation of the banking industry and actively promote economic growth and social development. Weizhong Bank established the corporate vision of "technology, inclusiveness and connectivity" at the beginning of its establishment, and promoted the "ABCD technology strategy" to the height of the whole bank's development strategy, hoping to explore a safer, more efficient and smarter Internet banking service model through scientific and technological means, serve the market that has not been covered by the traditional financial industry at present, and practice the initial intention of inclusive finance. It is reported that since its opening four years ago, Weizhong Bank has invested more than 654.38 billion yuan in information technology, biotechnology, financial technology and other fields, and its scientific and technical personnel have always maintained more than half of the total number of employees.
With the help of open source technology and innovative construction method of distributed architecture technology platform, Weizhong Bank has successfully built a completely autonomous and controllable banking core system, which can support hundreds of millions of customers and high concurrent transactions. At present, Weizhong Bank has built 253 key systems and 1223 sub-systems, and was selected as the major financial information event of China People's Bank in 20 15, and won the first prize of Shenzhen Financial Innovation in 20 16 and 20 17. It is understood that the number of patents publicly applied by Weizhong Bank in 20 18 has jumped to the fifth place in the world, ranking third in China, with 104 patent applications throughout the year.
Building Guangdong-Hong Kong-Macao Greater Bay Area is a new attempt to promote the formation of a new pattern of all-round opening up in the new era. The key for financial technology enterprises in it field to occupy a place in the fierce competition environment lies in "open cooperation". Weizhong Bank has been implementing the "three opening strategies" in financial technology: First, open the platform and provide financial capabilities for partners through API and SDK. Second, conform to the trend of open source technology, and open their own scientific and technological capabilities to the market through open source and open software. Third, open cooperation, including cooperation with financial peers, especially financial institutions in Greater Bay Area's "9+2" urban agglomeration, and cooperation with industries, so that finance can truly serve the real economy.
Strengthen financial technology capabilities and empower financial services.
Financial technology is inseparable from artificial intelligence, blockchain, cloud computing and big data. On the one hand, Weizhong Bank increased investment in science and technology and strengthened its financial technology capabilities; On the other hand, combined with its own "three opening strategies", it has carried out multi-level cooperation with other financial institutions and non-financial institutions to empower financial services, trying to form a joint force to promote the reform of financial services, gain new competitiveness, and touch the future of banking development.
As a pure online innovation bank, Weizhong Bank has no business outlets and counter staff. In order to solve the problems of customer identity authentication and customer service, Weizhong Bank applied artificial intelligence and biometric technology to remote customer identity authentication, intelligent customer service and other fields, and created innovative products and services with the characteristics of Weizhong Bank. In terms of intelligent customer service, Weizhong Bank launched the intelligent cloud customer service "Micro Jin Xiaoyun", which was trained by deep learning model. At present, an intelligent robot (quotation 300024, diagnosis stock) can replace 400 manual customer service, and 98% of customer service is completed by intelligent cloud customer service, which not only effectively supports a large number of customer needs, but also greatly saves labor costs.
Artificial intelligence will also face a series of new problems in the development process. The most typical example is the problem of "data island", which, if not solved, may inhibit the long-term development of artificial intelligence and cause serious commercial consequences. In view of the above problems, Professor Yang Qiang and Weizhong Bank put forward a systematic and universal solution based on "federated learning", which can solve the joint modeling problem between individuals (to C) and companies (to B). Recently, Weizhong Bank also took the lead in hosting the first meeting of IEEE P3652. 1 (Federal Learning Infrastructure and Application) standard working group. IEEE P3652. 1 project is the first international standard in the field of federal learning. In the future, "federal learning" is expected to break the data barriers in various fields and industries and implement the dividends brought by artificial intelligence in every corner of society.
Weizhong Bank has also been at the forefront of the industry in using blockchain. Blockchain has the attributes of distributed architecture, consistency, knowledge mechanism and encryption algorithm. At the beginning of its establishment, Weizhong Bank invested resources to develop blockchain and distributed ledger technology, and built a self-developed distributed banking core architecture to handle massive customers and high concurrent transactions. 2065438+In May 2006, Weizhong Bank initiated the establishment of a financial blockchain cooperation alliance (Shenzhen Stock Exchange) in conjunction with a number of institutions to promote the research and development and application of blockchain technology. In the same year, Shanghai Huarui Bank launched an inter-agency reconciliation platform based on alliance chain, which is also the first application scenario of banking alliance chain running in production environment in China, and is committed to solving the problem of high reconciliation cost among financial institutions. Recently, Weizhong Bank also signed a cooperation agreement with the Macao government to set up the Macao Science and Technology Development Fund, which will take innovative technologies such as blockchain as the main fulcrum, strengthen the scientific and technological capabilities of the SAR, promote the development of smart cities, and further implement welfare measures that benefit people's livelihood through science and technology.
Industry-University-Research is deeply integrated to ensure continuous technological innovation.
To maintain the ability of scientific and technological innovation continuously, it is the key to cultivate financial scientific and technological talents to meet the needs. Weizhong Bank attaches great importance to the deep integration of Industry-University-Research. In order to give full play to the advantages of Shenzhen's local financial science and technology resources and introduce international high-quality educational resources, Weizhong Bank and Shenzhen University established the School of Financial Science and Technology on 20 18. The two sides jointly undertake scientific research and development projects, hire high-level researchers, train master's, doctoral and postdoctoral talents, and promote teachers' basic research and development practice and students' scientific and technological innovation.
June, 5438+this year 10, Weizhong Bank and Nanyang Technological University in Singapore jointly established the Singapore Financial Technology Joint Research Center. We will fully combine the innovative advantages of Weizhong Bank and the scientific research advantages of Nanyang Technological University, closely follow the research and development and application of cutting-edge technologies in the field of financial technology, accelerate the industrialization and commercialization of related technologies, vigorously cultivate leading talents in financial technology, and build a school-enterprise cooperation model combining industry and specialty, teaching and scientific research, and theory and practice.
Weizhong Bank has also carried out research and cooperation with xidian university and Institute of Computing of Chinese Academy of Sciences in the fields of blockchain architecture, performance, security, * * * * identification algorithm, cross-chain communication and so on. It is also planned to apply cutting-edge technologies such as hardware computing acceleration and Qualcomm virtual machine to more financial scenarios to build a new generation of Qualcomm blockchain computing engine.
In terms of government cooperation, Weizhong Bank actively docked with the National Standards Committee, the Standards Institute of the Ministry of Industry and Information Technology, ISO/TC307, IEEE and other standards organizations, and deeply participated in the formulation of international, national, industry and group standards related to multiple blockchains; In-depth cooperation with the Central Bank Blockchain Research Working Group, Internet Finance Association, Payment and Clearing Association, Jin Xin Committee and other organizations to carry out research on related topics.
Maintain integrity and keep innovating. Weizhong Bank will actively respond to Guangdong-Hong Kong-Macao Greater Bay Area's innovation-driven development strategy, promote financial services to the real industry with financial technology innovation, continuously enhance risk control capabilities, improve risk control level, improve service efficiency, reduce financing costs, solve financing problems of enterprises, support small and medium-sized enterprises, boost the transformation and upgrading of the real industry, and promote the high-quality development of the real economy.