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.
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.
Cloud Application in financial data processing system
(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.
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) Build cloud financial information processing system to enable different types of financial institutions to share the financial network information
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) Build cloud financial information processing system and unify network interface rules
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) Build cloud financial information processing system to increase business types and income sources of financial institutions
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.
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.
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.
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”.
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.
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.