Chinese Enterprises rip Open IOE 80 billion financial it layout reengineering

for a bank

In the financial IT market, the "IOE" (IBM, Oracle, EMC)-led paradigm is changing. With the transformation and development of China's financial institutions, a group of powerful Chinese enterprises began to enter this "tall" industry.

"A big Chinese manufacturer is giving a bank a cloud of infrastructure and infrastructure," he said. Insiders said. Not only a manufacturer, in the financial IT infrastructure areas, Huawei, ZTE, Lenovo, Ruijie network, wave and other companies are also entering.

In the financial IT application side and Chinese enterprises involved more. Ufida Zhiyuan, Heng Rong Digital, letter Sunyard, Audi Kennedy, the trade routes to China's banks to provide a variety of applications solutions; Long sky Technology, Ipacs, Shin Ishin and other banks in China to provide electronic banking solutions.

Another domestic IT business people think, "Independent financial IT business market growth There are two main reasons: first, domestic financial it suppliers in the business of the strength gradually increased, in the local product performance, not inferior to foreign suppliers; second, domestic financial it ' Autonomous control of the policy also for the National brand expansion of the market provides an opportunity, while reversing the promotion of the strength of domestic suppliers. ”

The so-called "autonomous controllable" means that at the 2012 meeting of the Information technology risk management, Shang Fulin, chairman of the CBRC, first proposed "autonomous controllable strategy" for the construction of bank informatization. Shang Fulin described the current situation in the Financial it field: "The key hardware and basic software used in the current banking informatization, the internationally renowned products are in absolute monopoly position, and the technical services related to the hardware equipment are also concentrated in the hands of a few suppliers." ”

Since then, the central bank, the Ministry of Technology, the National Internet Information Office and other departments of the financial it construction of the "autonomous controllable" to make the deployment, especially after the establishment of the Central National Security Committee, financial IT security has been raised to a new level, a financial it to "IOE" movement kicked off.

Sadie consultant data show that 2013, the Chinese banking industry IT application market investment scale reached 77.75 billion, nearly three years of annual compound growth rate of 7.9%. According to this trend, this year only the banking industry's IT market is as high as 80 billion yuan.

The "Android" banking system?

With the deepening of business transformation, the bank has paid more and more attention to it construction and investment. In the past is a simple deposit and loan exchange business, now innovative business varieties rich, the information, comprehensive requirements and system dependence has been improved, this is also the trend of social evolution. "The head of a state-owned banking science and technology department reported to the 21st century economic reporter.

Influenced by history, due to the importance of financial security, the bank's IT infrastructure platform for most of the closed system, on the IBM large server, the corresponding operating system, database and programming languages have a set of inherent customization. However, with the bank IT system foreground directly to the user, especially the customer channel terminals are connected to the IT infrastructure platform, open system becomes the inevitable upgrade of the bank IT system.

"Large and medium-sized banks have been strong in science and technology, open systems replacement system has begun more than 10 years ago, the development of the new system, such as net silver, mobile phone bank has long been not in the previous closed-system operation." These years by the Internet financial shocks, many intelligent operating systems based on innovative business, accelerated the bank IT system open upgrade. "A local financial it person in Shenzhen said.

According to the reporter understands, in the IT system open degree, the present joint-stock bank development is fastest, the state-owned bank history baggage is big, the development second, but the small and medium bank is in the high IT investment cost, the development degree is lowest.

The opening of the banking IT system will have a deep impact on the financial it layout.

Bank It construction is mainly divided into three levels. First, the foundation platform construction, including server, memory, network equipment hardware, system software and database application, etc. the second layer is the application layer, that is, the business management and operating system running on the foundation platform, such as accounting system, financial system, credit management system, risk management system, payment system, etc. the third layer is the channel construction, is to connect customer service, marketing and infrastructure platform, such as Business Network Service equipment, ATM machines, internet banking, mobile banking.

At the application level, the opening of the financial IT system will facilitate the transformation of the underlying infrastructure platform, as the underlying platform needs to adapt to the changes in the open front system. In this change, domestic enterprises may occupy a place.

"From the investment point of view, the Bank generally attaches great importance to the construction of the application system, which is a combination of business innovation on the top of things, such as supply chain financial operating system, customer data management systems." Among them, the base platform is expensive, the highest input is the server, then storage and network. Said the head of the banking technology department.

According to the consultancy data, the 2013 China Banking industry IT application market investment structure, hardware, software and services are 33.56 billion, 9.43 billion, 34.76 billion, respectively accounted for 44.7%, 12.1%, 43.2%, respectively, the growth rate of 2.2%, 7.2% and 12.3%. In other words, depending on the hardware input of the infrastructure platform construction, although the investment is absolutely large, but from the growth trend, reflecting the bank's emphasis on software and services more strong.

And in the service side, domestic enterprises have intervened. Days of technology, Ipacs, Shin Ishin are doing this market. For example, days of science and technology for the construction Bank to provide banking information System certification Authority platform.

The more "cloud", the more "economic"

The least Chinese companies are involved in the infrastructure platform. But the market has also changed.

Huawei Enterprise Business BG insiders believe that the IT infrastructure level, the basic hardware equipment in general every five years to update, the bank's biggest lawsuit is to reduce input and maintenance costs.

The original bank CPU and other hardware processing equipment utilization is very low, after the server, storage equipment cloud, the equipment can share tasks, realize the reuse, greatly improve the resource utilization. Cloud service is a breakthrough for domestic enterprises to intervene in this market.

It is understood that after the company to a financial institutions to cloud the infrastructure, hardware maintenance costs greatly reduced, the original 5 jobs may now need 1 people.

In this respect, the former state-owned Bank of Shenzhen branch of the electronic banking sector also agreed, "from the cost of input, the mainframe cost is too high, the way to split the distributed processing and cloud computing is becoming a trend." For example, the bank originally used IBM's ES9000 and AS400 servers, a system input may be 30 million yuan-50 million yuan, small banks can not bear; distributed processing, a small system of hundreds of thousands of yuan, the bank may be required to load the number of processing systems. ”

It is also understood that a large state-owned banks in the basic platform construction level of domestic equipment utilization rate has exceeded 30%.

In addition, the development of banking innovation business provides opportunities for domestic enterprises.

The Bank Science and Technology Department of the above introduction, there are several obvious trends in the construction of channel innovation, such as mobile Banking and ipad mobile service, followed by thematic services such as Citic Bank's Smart Bank network, the Intelligent network of GF Bank, the flagship store of Ping An bank and the coffee Bank of China Merchants Bank. , which, through the combination of humanities and technology, can collect and analyze push large data for precision marketing and service; the third is remote, through remote banking, Video Call center for off-site business management, while improving customer experience, can also promote from cashier-type outlets into marketing outlets, to increase business income.

At the level of applied innovation system, the goal of bank it construction is data integration and driving business innovation. Through the original related small business and customer data, unified intelligent Large data analysis, data integration and sharing; Based on large data, banks are also based on systematic advantages to promote business model innovation, such as the balance of treasure products.

Yan, deputy chairman of the CBRC, said the information transformation Bank Management mechanism, the Bank must through the data Warehouse, the report integration, the information mining and so on realizes the decision-making information real-time and the customization, keenly perceives the market change, at the same time changed the banking innovation mechanism, the Bank grasps the information opportunity, must through the System transformation innovation, To meet customer precision needs and open up the blue sea market. These are the domestic IT companies are currently involved in.

For example, in the Innovation Product Balance Treasure Project, the Gold card shares is the product main it provider.

How to be autonomous and controllable?

At the end of 2012, the 2012 Annual Information Technology Risk Management Meeting and the plenary meeting of the top steering committee of the banking IT risk management proposed the "Autonomous controllable strategy" of the banking it construction, and several central ministries also made deployment.

May 2014, the national Internet office said that China is about to launch a network security review system, finance is included in the key review industry, the review includes it product safety and autonomous controllable. Among them, in the autonomous control level, foreign procurement of servers, basic software and other IT products review will be more stringent to prevent product providers to use the convenience of providing products, illegal control, interference, interruption of user systems, illegal collection, storage, processing and use of user information.

In fact, the banking industry, especially the state-owned banks, has responded to the policy call and put forward the implementation plan of "autonomous controllable" strategy. For example, the postal Reserve Bank in recent years actively promote it construction software and hardware localization, in order to achieve the core technology "autonomous controllable", which in the exploration of "use of minicomputer cluster approach to deal with bank large-scale transaction research and practice" project to achieve long-term progress.

According to the reporter understand, according to CPC requirements, the financial institutions in 2013 to 2015 to complete the main application of the use of domestic cryptographic algorithm upgrade. At present, a number of state-owned banks have completed the transformation of key management platform to support domestic SM2, SM3, SM4 algorithm (the State password authority published an encryption algorithm).

The purpose of financial it "autonomous controllable" is to prevent foreign suppliers from illegally collecting and storing the relevant information of our country's finance and ensuring the security of the financial system. "Technically, it is entirely achievable, but as a business partnership, the supplier itself will not have the incentive to collect information about users, more politically motivated." In the absence of evidence, the only precaution. Said the head of the Banking Science and technology department.

He also said that, compared with the system or risk of such information leaking, banks pay more attention to the stability of IT systems, such as the earthquake, fire caused by the system paralysis, the current it construction of more perfect banks generally take the "three to two centers" disaster preparedness construction configuration; Moreover, the Bank risk control system Construction also more concerned about, Credit risk management systems, for example, even use large data to innovate risk control management tools.

Take what to "IOE"?

Based on the high demand of the stability, reliability, efficiency and safety of the product, the products and technical requirements of it construction are also strong, and there is still a gap in the technical aspect between domestic products and foreign products. Therefore, the bank's high-end equipment widely used internationally renowned manufacturers of products, such as large, medium and small mainframe and high-end servers to IBM, Hewlett-Packard products, and network products to Cisco products.

Sadie Consultant data shows that, in server applications, the Chinese banking market is basically monopolized by IBM, HP and Sun, with a market share of 40.7%, 25.3% and 18.5% respectively; on storage devices, banking needs are focused on IBM, HP, EMC, NetApp and Dell's five brands have a market share of 40.4%, 25.3%, 18%, 4.3% and 4.4%; on network equipment, China's banking needs are mainly provided by Cisco and H3C, with a market share of 52.9%, 32.1% in the switch, The market share of routers is 54.9% and 22.7%, respectively.

"From a server perspective, no one has ever been able to do IBM, but it was a mainframe and it was too big." Now the way to adopt distributed processing and cloud computing is becoming a trend, and the "Go to IBM" is just the right time to split the big secret. "A member of the electronic Banking Department of the Shenzhen branch of a state-owned bank said to the 21st century economic reporter.

In software products and platform services, although foreign suppliers still occupy the bulk, but domestic suppliers also occupy a place. For example, in China's banking software PRODUCT middleware market share, Oriental technology and Kingdee accounted for 18.1% and 7.4% respectively. ZTE can also occupy 8 of the market share in the network equipment-routers.

However, in the domestic enterprise technology research and development strength, especially Huawei, Lenovo and other financial it research and development of investment and market development, domestic manufacturers of products into the banking market opportunities are gradually increasing.

The head of the bank's Science and Technology department said the core system of the banking industry to "go to IBM" or a difficult thing; on the network system, high-end products or foreign suppliers better, domestic suppliers leading low-end products, but the domestic low-end equipment is also upgrading, there are some competitive, basic to meet the needs of banks. "Go to ' IOE ' can't step, need a long-term process, the bank also needs to adapt." ”