（原标题：21对话｜腾讯云胡利明：金融科技出海2.0 智能体元年怎么干） 编者按：真正的变革，不在风口之上，而在深耕之处。 " 十五五 " 时期是我国由金融大国迈向金融强国 的关键跃升期，金融体系将实现从规模扩张到质量效益的跨越。 2025 年 11 月 19 日，第十九届深圳国际金 融博览会（简称 " 深圳金博会 " ）即将举行。值此之际， 21 世纪经济报道推出特别策划《深耕者说》， 对话一批在 " 五篇大文章 " 、跨境金融、数智化等领域持续深耕的金融业大咖。他们的讲述，没有眩目 的数据堆砌，却有扎实的实践逻辑；没有口号式的承诺，却有可触摸的改变。 21世纪经济报道记者 曹媛 深圳报道 中国金融科技出海迈入2.0，正加速从"单一技术输出"向"行业标准制定者"转型。 全球金融科技版图中，深圳金融科技的话语权持续提升。第38期《全球金融中心指数报告 （GFCI38）》显示，深圳综合排名保持全球第九，金融科技领域创下历史最佳表现，排名升至全球第 二。 蒋渝：腾讯云目前与香港2家数字银行有深入合作，合作模式分为私有化与公有化两种，同时通过多重 措施保障合规与数据安全。 一家深入合作的是富融银行，腾讯云提供全栈私 ...

Group 1: Overview of Financial Cloud Development - Financial cloud refers to the use of cloud-native, artificial intelligence, and big data technologies to enhance the efficiency and service quality of financial institutions by migrating data and processes to the cloud [1][3] - The financial cloud industry has rapidly developed, becoming a key driver for the digital transformation of the financial sector, with significant growth in market size observed in recent years [3][4] Group 2: Current Status of Financial Cloud - The Chinese financial cloud market reached a size of $6.56 billion in 2021, with projections of $8.05 billion in 2022 and $8.82 billion in 2023, indicating a continuous growth trend [3][4] - Different scales of financial institutions exhibit varying demands for financial cloud technology, with larger institutions focusing on hybrid cloud platforms and smaller institutions leveraging cost advantages for digital transformation [3][4] Group 3: Competitive Landscape - The financial cloud market is characterized by diversification and specialization, led by integrated cloud vendors, product-focused cloud vendors, traditional IT service providers, and fintech subsidiaries [4][10] - The emergence of financial cloud hosting services has become a new competitive direction, providing operational cost reduction and enhanced business agility for financial institutions [10] Group 4: Development Trends - The digital transformation of financial institutions is expected to accelerate, driven by the application of advanced technologies such as big data, artificial intelligence, and blockchain [6] - Financial institutions are increasingly adopting cloud services to replace traditional information systems, allowing for cost reduction and efficiency improvements [7] - The security framework in the financial sector is continuously improving, with a focus on building a robust ecosystem based on domestic technology [8] Group 5: Industry Interconnections - The upstream supply chain consists of core hardware suppliers and supporting software vendors, while the downstream includes various financial institutions such as banks and leasing companies [9] - The financial cloud sector is closely linked to both upstream and downstream industries, with software development reliant on upstream hardware and software platforms, and downstream demand influencing market dynamics [9] Group 6: Key Players in the Market - Notable companies in the financial cloud sector include: - Industrial Digital Financial Services (Shanghai) Co., Ltd., focusing on banking cloud solutions [11] - Shandong Urban Commercial Bank Cooperation Alliance, providing cloud services to member banks [11] - Jindian Cloud Digital Technology Co., Ltd., offering comprehensive services to small and medium financial institutions [11] - Shenzhou Rongxin Cloud Technology Co., Ltd., specializing in digital cloud platform services for the financial industry [11] - Jinzheng Co., focusing on financial technology and providing a full range of solutions for the financial sector [11]