It's settled! Bank retail credit risk control just does it!

With the acceleration of digitization , Banks are doing business online more and more frequently , Retail credit has become an important starting point for the digital transformation of banks . However, while digitalization brings efficiency improvement , It also puts forward higher requirements for the security protection ability of banks .

5 month 26 Japan 、28 Japan , By Tencent security 、 Jinke innovation society 、 Tengsuo Technology Co organized 2021 Bank smart retail Seminar , It was held in Shanghai and Beijing, two cities with the most intensive financial industry in China .

Liu Bin, director of the Financial Research Office of Pudong Institute of reform and development, gathered at the Shanghai special session of the seminar 、 Yang Hong, secretary general and vice chairman of financial science and Technology Committee of CFA 、 Li Wei, vice president of Tencent security 、 Tengsuo Technology CEO Hu Liang 、 Tencent security financial risk control R & D director Li Chao and other industry leaders and technical experts .

Xi Hui, deputy director of the Financial Information Research Institute of the people's Bank of China, was invited to Beijing 、 Deputy director of national finance and development laboratory / Zeng Gang, director of Shanghai finance and development laboratory 、 Wang Xiang, security director of Tencent security business 、 Tengsuo Technology CEO Hu Liang 、 Li Chao, R & D director of Tencent security finance risk control, and other guests attended .

At the seminar , Many leaders of competent departments 、 Banking tycoons and financial risk control experts from Tencent work together to focus on the digital transformation trend of commercial banks 、 Retail credit risk control problems and other hot topics in the industry were discussed in depth . The seminar also focused on Jining bank 、 Jilin Rural Credit Bank is based on Tencent yuntianyu - The case of Xingyun retail credit developing online credit business in Zhongtai is taken as the sample , This paper analyzes the way to break the digital transformation of retail credit , Enlighten and guide the industry .

Aiming at the risk control demand of bank retail credit , Tencent yuntianyu is based on 20 Years of practical experience in security attack and defense, combined with tengsuo technology, created Tencent yuntianyu - Xingyun Retail Credit Center . Xingyun retail credit center can effectively support the online and offline credit business of banks and other financial institutions , Through distributed 、 Cluster deployment architecture , Support system concurrent ability scaling . Besides , Nebula platform can flexibly support multiple types of assets 、 Access to products and channels , With complete retail credit business operation management 、 Analytical ability .

so far , The cloud platform has served dozens of banking institutions 、500 Million users , Guard over 100 billion yuan of credit funds .

Yang Hong | Bank Retail Credit digital transformation security is ballast stone

Yang Hong, secretary general and vice chairman of the financial science and Technology Committee of CFA, said , One of the characteristics of the financial industry is that it has strict regulatory requirements for data security and information protection , Data security should become the focus of special attention in the process of digital transformation of banks . Under the guidance of relevant national policies and laws , Right confirmation of data resources 、 to open up 、 circulation 、 Storage and other related systems continue to improve , Banks also need to establish corresponding security barriers to enhance the protection ability of key data resources .

At present, the industry mainly realizes the exchange and sharing of financial data by means of platform , Building industry ecology . In this mode of development , It is not enough to rely on financial institutions to protect data security , All participants on the platform must be well protected . The advantage of the platform is that it can output and exchange data , But how to define security boundaries , Divide the safety responsibilities of all participants , It's a very big challenge .

Li Wei | The financial industry is safe “ Rigid industry ”, Security service providers should go deep into the actual business of customers

About the importance of financial industry security , Li Wei, vice president of Tencent, talked about , The financial industry is the lifeblood of the national economy , It supports the steady development of China's economy . With the deepening of digital transformation 、 High speed iteration of science and Technology 、 Digital upgrading of industry , The financial industry as a security industry , Its business stability is the most important guarantee for the smooth operation of economy and society .

The complex global economic situation in the post epidemic era , It further magnifies the security risks faced by the bank's digital transformation . To meet the challenge , The solutions of security service providers need to pay more attention to industry characteristics and regional characteristics than ever before , Service should also go deeper into the actual business of customers . He stressed that , The core of security is anticipation , Can we accurately grasp the security situation and make timely adjustments and precautions , It's a common challenge for the whole industry .

Hu Liang | Bank digitization has entered a contradictory period of high stability and rapid change , We need to strengthen the ability to connect China and Taiwan

Aiming at the security challenges in the process of digital transformation of banks , Tengsuo Technology CEO Hu Liang put forward the solution of building a strong central Taiwan . He pointed out that , The biggest contradiction facing the digital transformation of banks lies in ： On the one hand, the banking system needs to be highly stable , To make sure it's as safe as possible ; On the one hand, the needs of customers are changing rapidly , Hope the service is new every day . Strong China platform can not only link up the changes of customers' needs , It can also shield the impact of changes on the back-end infrastructure .

There are three major principles that banks need to grasp to build a strong central platform ： One is to combine its own customer attributes and business priorities , Build a strong middle platform that suits the reality of the bank ; Second, we should follow the idea of Internet technology operation , Subtraction before addition , Don't pursue big and complete ; Third, continuous iterative optimization , Do not pursue to accomplish one's success .

Li Chao | Receive visitors 、 Integration of risk control , Tencent Security Cloud escorts the bank's digital transformation

Li Chao, R & D director of Tencent security finance risk control , Nebula platform can not only provide customers with a complete set of risk control software and rich AI Ability , Also has a large number of industry experts to help banks plan top-level business , Design a complete set of risk control system . He talked about , Tencent security has observed three common challenges in its cooperation with banks ： One is the integration of digital driven business culture of emerging Internet business and decision-making mechanism of traditional credit business ; The second is the balance between data security governance and cost management , The third is the challenge of technology management and integration ability . The root cause of these three challenges can be attributed to the contradiction between the rapid changes in the external market and the internal stable operation of banks .

Zeng Gang | Banking is moving online , It will bring innovation of risk control mode

Deputy director of national finance and development laboratory 、 Zeng Gang, director of Shanghai finance and development laboratory , There are five key points in the digital transformation of banks ： One is the innovation of corporate culture , From the top-down culture of traditional banks , Turn to a customer-centric, fast iterative digital economy culture ; The second is the upgrading of technical architecture , Banks need to face fast changing competition , But also to adapt to the needs of old customers , It is urgent to explore new development strategies and governance models ; The third is the construction of digital ability , Especially the lowest level data application and analysis ability ; Fourth, digital risk control , As banking moves more and more online , The mode of risk control will change a lot ; The fifth is the construction of public digital scene .

Wang xiang | Security is Digital Banking “ chassis ”, It's the premise of smooth driving

Wang Xiang, security director of Tencent's security business, compares the relationship between the new infrastructure and the industrial Internet with Lu he automobile . He said , If we compare the new infrastructure to “ road ”, Compare the industrial Internet to “ automobile ”, So safety is the chassis of this car , It's security “ automobile ” Security 、 The premise of smooth driving . For the financial industry , The important value of safety is irreplaceable ,“ Six stabilities and six guarantees ” And other financial regulatory policies reflect this .

Tencent security is based on more than 20 years of practical experience in security attack and defense , Continue to provide stability for financial institutions 、 Reliable security service capability , So far, it has served thousands of financial institutions 、 Hundreds of banks , Financial risk control product line has covered most head and waist financial institutions .