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千卡算力集群+国产云原生平台 邮储银行的"数智基建"全景图
Jing Ji Guan Cha Wang· 2025-04-10 10:07
Core Viewpoint - Postal Savings Bank of China (PSBC) is focusing on enhancing its digital financial infrastructure and leveraging technology to drive growth and efficiency, with a significant increase in technology investment in 2024 [1][2][6]. Group 1: Financial Performance - In 2024, PSBC achieved an operating income of CNY 349.13 billion, a year-on-year increase of 1.81%, and a net profit attributable to shareholders of CNY 86.48 billion, up 0.24% [1]. - The total assets of PSBC exceeded CNY 17 trillion, growing by 8.64% [1]. Group 2: Technology Investment - PSBC's investment in information technology reached CNY 12.296 billion in 2024, marking a year-on-year growth of 9.03% and accounting for 3.53% of its operating income [1][6]. - The bank has consistently invested over CNY 10 billion annually in technology since 2021, reflecting its commitment to financial technology [6]. Group 3: Digital Infrastructure and Innovation - PSBC has upgraded its core systems, including a new generation of personal and corporate business systems, significantly enhancing operational efficiency [2]. - The new personal business core system can handle peak transaction processing at 67,000 transactions per second, while the corporate business core system has improved efficiency by over 10 times [2]. Group 4: AI and Smart Services - In 2024, PSBC launched its proprietary "Youzhi" large model, integrating computing power, algorithms, data, and scenarios to enhance service quality [8]. - The internal AI assistant, "Xiao You," processes over 3,000 inquiries daily, reducing business processing time by approximately 20% [8]. Group 5: Product and Service Innovation - PSBC is innovating its financial products and services, including a unified credit management system and enhanced risk monitoring for green finance [9]. - The bank's mobile banking platform has seen significant growth, with 378 million users and a transaction volume of CNY 17.8 trillion, up 11.21% year-on-year [12]. Group 6: Strategic Vision - PSBC aims to transform into a "digital ecological bank" by embedding digital financial thinking across the organization and enhancing its technological capabilities [12].