现代化金融核心系统白皮书：实践篇

Investment Rating - The report does not explicitly state an investment rating for the industry Core Insights - The modernization of financial core systems is essential for banks to enhance operational efficiency and meet the evolving demands of digital finance, regulatory compliance, and customer service [5][10][15] - Financial institutions are increasingly focusing on integrating financial technology to drive innovation and improve service delivery, aligning with national strategic goals [5][10] - The shift from centralized to distributed core systems is becoming a consensus among financial institutions, driven by the need for resilience, reliability, and agility [28][30] Summary by Sections Chapter 1: Challenges and Trends in Modern Financial Core Systems - The banking sector is transitioning from an inward-focused improvement model to an outward-focused ecosystem integration model, emphasizing the release of data value to enhance financial services [10][11] - Key challenges include differentiated customer service, product innovation, regulatory compliance, stable operations, and cost structure optimization [5][10] - The concept of "new quality productivity" highlights the central role of financial technology in driving business innovation and service model transformation [5][10] Chapter 2: Goals and Key Designs for Modern Financial Core Systems - The target architecture for modern financial core systems integrates infrastructure modernization, technology architecture, data architecture, security, compliance, and innovation [15][16] - The business architecture includes defining core business goals, rules, processes, and stakeholder needs to enhance operational efficiency [16][18] - The technical architecture aims for resilience, trustworthiness, agility, and intelligence, utilizing cloud computing, distributed systems, and AI technologies [25][28] Chapter 3: Methodologies and Pathways for Core System Construction - The report outlines a six-dimensional new quality system for building modern financial core systems, including resilient architecture, full-stack trust, open integration, engineering practices, smooth migration, and agile intelligence [6][10] - A "four stages and ten steps" implementation methodology is proposed to guide the construction of modern financial core systems [6][10] Chapter 4: Solutions for Distributed New Core Systems - The report discusses collaborative solutions developed by Huawei and leading domestic software vendors to support the transition to distributed core systems [6][10] - Emphasis is placed on the need for a robust digital infrastructure to facilitate the integration of core business with modern distributed capabilities [6][10] Chapter 5: Practical Cases of Modern Financial Core System Construction - The report includes case studies from various financial institutions that illustrate the practical challenges and solutions encountered during the core system transformation process [10][30]