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【速搜问答】云金融是什么

问答 admin 3年前 (2020-07-17) 599次浏览 已收录 0个评论

汉英对照:
Chinese-English Translation:

云金融(Cloud financial)是指基于云计算商业模式应用的金融产品、信息、服务、用户、各类机构,以及金融云服务平台的总称,云平台有利于提高金融机构迅速发现并解决问题的能力,提升整体工作效率,改善流程,降低运营成本。

Cloud financial refers to the financial products, information, services, users, all kinds of institutions and financial cloud service platform based on cloud computing business model application. Cloud platform is conducive to improve the ability of financial institutions to quickly find and solve problems, improve the overall work efficiency, improve the process, and reduce operating costs.

云金融(Cloud financial)是指基于云计算商业模式应用的金融产品、信息、服务、用户、各类机构,以及金融云服务平台的总称,云平台有利于提高金融机构迅速发现并解决问题的能力,提升整体工作效率,改善流程,降低运营成本。从技术上讲,云金融就是利用云计算机系统模型,将金融机构的数据中心与客户端分散到云里,从而达到提高自身系统运算能力、数据处理能力,改善客户体验评价,降低运营成本的目的。

Cloud financial refers to the financial products, information, services, users, all kinds of institutions and financial cloud service platform based on cloud computing business model application. Cloud platform is conducive to improve the ability of financial institutions to quickly find and solve problems, improve the overall work efficiency, improve the process, and reduce operating costs. Technically speaking, cloud finance is to use cloud computer system model to disperse data centers and clients of financial institutions into the cloud, so as to achieve the purpose of improving its system computing ability, data processing ability, improving customer experience evaluation, and reducing operating costs.

金融数据处理系统中的云应用

Cloud Application in financial data processing system

(1)构建云金融信息处理系统,降低金融机构运营成本

(1) Building cloud financial information processing system to reduce the operating costs of financial institutions

云概念最早的应用便是亚马逊(Amazon)于 2006 年推出的弹性云计算(Elastic Computer Cloud ES2)服务。其核心便是分享系统内部的运算、数据资源,以达到使中小企业以更小的成本获得更加理想的数据分析、处理、储存的效果。

The earliest application of cloud concept is the elastic computer cloud ES2 service launched by Amazon in 2006. The core of the system is to share the operation and data resources within the system, so as to achieve the effect of better data analysis, processing and storage for small and medium-sized enterprises at a lower cost.

而网络金融机构运营的核心之一,便是最大化的减少物理成本和费用,提高线上(虚拟化)的业务收入。云计算可以帮助金融机构构建“云金融信息处理系统”,减少金融机构在诸如服务器等硬件设备的资金投入,使效益最大化。

One of the core of the operation of network financial institutions is to maximize the reduction of physical costs and expenses and improve the online (virtualization) business income. Cloud computing can help financial institutions build “cloud financial information processing system”, reduce financial institutions’ investment in hardware equipment such as servers, and maximize benefits.

(2)构建云金融信息处理系统,使不同类型的金融机构分享金融全网信息

(2) Build cloud financial information processing system to enable different types of financial institutions to share the financial network information

金融机构构建云化的金融信息共享、处理及分析系统,可以使其扩展、推广到多种金融服务领域。诸如证券、保险及信托公司均可以作为云金融信息处理系统的组成部分,在全金融系统内分享各自的信息资源。

Financial institutions to build a cloud based financial information sharing, processing and analysis system can be extended to a variety of financial services. Securities, insurance and trust companies can share their own information resources in the whole financial system as part of cloud financial information processing system.

(3)构建云金融信息处理系统,统一网络接口规则

(3) Build cloud financial information processing system and unify network interface rules

国内金融机构的网络接口标准大相径庭。通过构建云金融信息处理系统,可以统一接口类型,最大化的简化诸如跨行业务办理等技术处理的难度,同时也可减少全行业硬件系统构建的重复投资。

The network interface standards of domestic financial institutions are quite different. Through the construction of cloud financial information processing system, the interface types can be unified, the difficulty of technical processing such as inter-bank business processing can be maximized, and the repeated investment in hardware system construction of the whole industry can be reduced.

(4)构建云金融信息处理系统,增加金融机构业务种类和收入来源

(4) Build cloud financial information processing system to increase business types and income sources of financial institutions

上述的信息共享和接口统一,均可以对资源的使用方收取相关的费用,使云金融信息处理系统成为一项针对金融系统同业企业的产品,为金融机构创造额外的经济收入来源。

The above-mentioned information sharing and unified interface can charge the users of resources related fees, making the cloud financial information processing system a product for financial system peers and creating additional income sources for financial institutions.

金融机构安全系统的云应用

Cloud Application of financial institution security system

基于云技术的网络安全系统也是云概念最早的应用领域之一。现如今,瑞星、卡巴斯基、江民、金山等网络及计算机安全软件全部推出了云安全解决方案。其中,占有率不断提升的 360 安全卫士,更是将免费的云安全服务作为一面旗帜,成为其产品竞争力的核心。

The network security system based on cloud technology is also one of the earliest application fields of cloud concept. Now, Ruixing, Kaspersky, Jiangmin, Jinshan and other network and computer security software have all launched cloud security solutions. Among them, the 360 security guard, which has an increasing share, takes the free cloud security service as a banner and becomes the core of its product competitiveness.

所以说,将云概念引入到金融网络安全系统的设计当中,借鉴云安全在网络、计算机安全领域成功应用的经验,构建“云金融安全系统”具有极高的可行性和应用价值。这在一定程度上,能够进一步保障国内金融系统的信息安全。

Therefore, it is of great feasibility and application value to introduce the concept of cloud into the design of financial network security system and learn from the successful application experience of cloud security in the field of network and computer security. To a certain extent, it can further protect the information security of domestic financial system.

金融机构产品服务体系的云应用

Cloud Application of financial institution product service system

通过云化的金融理念和金融机构的线上优势,可以构建全方位的客户产品服务体系。例如,地处 A 省的服务器、B 市的风险控制中心、C 市的客服中心等机构,共同组成了金融机构的产品服务体系,为不同地理位置的不同客户提供同样细致周到的产品体验。这就是“云金融服务”。

Through the cloud financial concept and online advantages of financial institutions, we can build a comprehensive customer product service system. For example, the server located in province a, the risk control center in city B, and the customer service center in City C jointly constitute the product service system of financial institutions, providing the same meticulous and thoughtful product experience for different customers in different geographical locations. This is “cloud financial services”.

事实上,基于云金融思想的产品服务模式已经在传统银行和其网上银行的服务中得到初步的应用。金融机构可通过对云概念更加深入的理解,提供更加云化的产品服务,提高自身的市场竞争力。

In fact, the product service model based on cloud finance has been initially applied in traditional banks and their online banking services. Financial institutions can provide more cloud products and services and improve their market competitiveness through a deeper understanding of cloud concept.

例如,虽然各家传统银行的网上银行都能针对客户提供诸如储蓄、支付、理财、保险等多种不同的金融服务,但作为客户,其同一种业务可能需要分别在多家不同的银行平台同时办理。当有相应的需求时,就需要分别登陆不同的网上银行平台进行相关操作,极其繁琐。而云金融信息系统,可以协同多家银行为客户提供云化的资产管理服务,包括查询多家银行账户的余额总额、同时使用多家银行的现金余额进行协同支付等,均可在金融机构单一的平台得以实现。如此一来,将会为客户提供前所未有的便利性和产品体验。

For example, although online banking of traditional banks can provide customers with various financial services, such as savings, payment, financial management, insurance, etc., as customers, the same business may need to be handled in different banking platforms at the same time. When there is a corresponding demand, we need to log in different online banking platforms for related operations, which is extremely cumbersome. The cloud financial information system can cooperate with multiple banks to provide cloud asset management services for customers, including querying the total balance of multiple bank accounts, and using the cash balance of multiple banks for collaborative payment at the same time, which can be realized in a single platform of financial institutions. In this way, it will provide customers with unprecedented convenience and product experience.


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