The new impetus for the development of small and medium-sized financial institutions--cloud computing

Today's financial information technology is developing more and more quickly, driving the information process of the major financial institutions also began to speed up the pace of progress, the economic focus of business systems, online banking, electronic and financial products, such as High-tech technology has been widely used and launched. For now, the information construction of large financial institutions has become more and more mature, and the small and medium-sized financial institutions are limited by various factors, such as capital, talent and technology, which support the operation of the business and the development of the information construction of the healthy and backward, and also slowed down the development of their own business. And the rapid rise of "cloud computing" technology for small and medium-sized financial institutions to provide a normative, comprehensive and feasible information system architecture, which will be a large number of network-connected computing resources for unified management and scheduling, and to provide users with on-demand services, and continuously strengthen the small and medium-sized financial institutions data management, the sharing of scientific and technological resources to achieve, and improve service quality, greatly reducing operating costs. "Cloud computing" by virtue of low-cost, high efficiency, high-reliability and other characteristics, to the development of small and medium-sized financial institutions to provide a strong impetus.

To want long-term development of financial institutions, it is necessary to invest a lot of money in information construction, but for small and medium-sized financial institutions, only "do what they can". Deploy cloud based IT infrastructure systems with cloud computing technology putting a large number of inexpensive computers into a pool of resources, managing and regulating all information resources and applications, reducing hardware costs with software fault tolerance, and using "cloud" hardware and software resources on demand, without having to buy expensive equipment and spend additional money. The application of "cloud deployment" strategy, not only save expenditure, energy saving and emission reduction, promote green IT development, but also conducive to supporting the long-term economic development of small and medium-sized financial institutions.

With the increase of the business volume of financial institutions, the amount of information and data will be increased, and financial institutions have put forward higher requirements for the capacity, security and reliability of data storage. The "Private cloud" holds all information in the Data Control center, adding multi-layer security mechanism and reasonable data disaster preparation mechanism to all financial data, ensuring the stable operation of financial business and effectively controlling the security risk of financial institutions. In a new security architecture based on "private cloud", information data is tightly controlled at the highest level of security, and documents, data, and applications are protected, and other branches can continue to work even if a disaster occurs in individual branches.

"Cloud platform" in the "cloud architecture" based on the computing center, the internal information resources converge, effectively achieve the integration of resources, aggregation, virtualization and automation, so that information can be fully shared, resources can be fully exploited and utilized. "Cloud platform" implementation of automated management and scheduling, for small and medium-sized financial institutions to provide personalized, user-friendly services to the "cloud" to provide strong support, so that all applications are not subject to geographical constraints, financial institutions dot computer equipment will not have local data processing, local application software, these work will be completed in the "cloud."

With the further development and maturity of "cloud computing" technology, small and medium-sized financial institutions have begun to test water. December 2009, Xi ' an wealth village and township Bank, the first application of "cloud computing" technology in the country, Shenzhen Ding Industrial Village Bank has also begun to use the "cloud computing" model, light; Jinzhong Commercial Bank for the banking card business "cloud Deployment"; in December 2010, Shandong Province Rural credit cooperatives announced that will create a rural credit industry's first cloud management platform.

If large financial institutions pay more attention to prudence, security and safety, then small and medium-sized financial institutions will focus on fast, accurate and ruthless strategies. With the development of cloud computing technology and service mode, "cloud computing" will be paid more and more attention, and the application will be more and more extensive.