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北京银行首席信息官CIO龚伟华:数字化转型成为银行发展的重要战略

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发布时间:2023年09月27日 浏览量:418次 所属栏目:数字化 发布者:国科网小编
今日本文阅读次数: 114

龚伟华表示,各家商业银行近期加快了数字化转型的加速键,数字化转型成为银行发展的重要战略,更是新时代服务实体经济的重要抓手。

  龚伟华结合北京银行数字化转型的实践,介绍了三方面的亮点:

  第一,聚焦客户体验和用户体验,以价值创造为中心,建立了北京银行各业务领域之间业务和技术之间的沟通协作融合发展的机制。以客户为中心,满足客户体验,至少要有两个方面的改变:一是银行一定要从内部的视角转成客户的视角,建立端到端的客户体验的打造。二是一定要从关注单独的各个业务单元向整个客户价值创造全链条打造,这要求银行内部做很大变革,包括组织变革、管理变革。

  第二,建设统一的金融操作系统,打破系统的束缚,形成中台化的服务支撑能力,实现整个全链路的数字化。具体来看,北京银行采用云延伸分布式等框架体系,形成了标准化、构件化可插播的业务组线,形成一些通用的技术开放、运行稳定、功能服务的解决方案,实现场景的共建,业务的共生,整个生态的共享,有力拓展了北京银行服务的深度和广度。

  第三,注重安全,安全是前提,北京银行在操作系统中集成了比较强大的安全能力,为整个业务发展奠定坚实的基础。打通了数据之间的壁垒,实现了全业务数据的分析,包括实时计算,从数迁阶段走向数字阶段。

  龚伟华总结,银行的数字化转型是一个深层次的变革,需要管理层站在全局的高度,以协同式系统性一体化推进,在数字化转型过程中,不断建立健全战略的统筹机制,协同的机制,连接运作机制,创新突破机制以及管理保障机制,通过这些机制的建立,不断提升银行业务的运行效率、服务质量和客户体验,打造现代化的服务体系,为实体经济实现高质量发展注入更多的金融活力。

翻译:

The 5th Global Wealth Management Forum hosted by Caijing, Caijing Think Tank and Caitonghui was held in Beijing from February 24 to 26, 2023. Mr. Gong Weihua, Chief Information Officer of Bank of Beijing, attended and participated in the roundtable discussion.

Gong Weihua said that the commercial banks recently accelerated the acceleration key of digital transformation, digital transformation into the bank

The important strategy of exhibition is also an important starting point to serve the real economy in the new era.

Gong Weihua combined with the practice of Bank of Beijing’s digital transformation, introduced the highlights of three aspects:

First, focusing on customer experience and user experience, with value creation as the center, the Bank of Beijing has established a mechanism for communication, cooperation and integration of business and technology among various business fields. To focus on customers and satisfy customer experience, there must be at least two changes: First, banks must change from an internal perspective to that of customers and build end-to-end customer experience. Second, it is necessary to build the whole chain of customer value creation from the focus on individual business units, which requires great changes in the bank, including organizational changes and management changes.

Second, the construction of a unified financial operating system, break the shackles of the system, form the service support capability of Taiwan, and realize the digitalization of the whole link. Specifically, the Bank of Beijing adopts the cloud extension and distribution framework system, forming a standardized, construction-oriented business line that can be interspersed, forming some general solutions with open technology, stable operation and functional services, realizing the joint construction of scenes, symbiosis of businesses and sharing of the whole ecology, which effectively expands the depth and breadth of the Bank of Beijing’s services.

Third, pay attention to security, security is the premise. The Bank of Beijing integrated relatively strong security capabilities in the operating system. Laying a solid foundation for the development of the whole business. It breaks through the barriers between data and realizes the analysis of all business data. Including real-time calculation, from the number phase to the digital phase.

Gong Weihua concluded that the digital transformation of banks is a profound change。

Gong Weihua concluded that the digital transformation of banks is a profound change. Which requires the management to stand on the overall level and promote with collaborative systematic integration. In the process of digital transformation, the management should constantly establish and improve the strategic coordination mechanism, coordination mechanism, connection operation mechanism, innovation and breakthrough mechanism and management guarantee mechanism. And constantly improve the banking industry through the establishment of these mechanisms.

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