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信雅達    1月5日下午9:06 北京時間
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利率市場化加快,銀行資債系統建設走向何方?
發布者:信雅達推廣部 發布時間:2020-10-29 閱讀:1093次

YINYAN:LILVSHICHANGHUAJIAKUAIXIA,WEIRAO“GUOCHANHUA”“JINGXIHUA”“ZHUANYEHUA”SANDAYAOQIU,QIEKANXINYADAZICHANFUZHAIXITONGRUHEZHULISHANGYEYINXINGWANDAOCHAOCHE。

 

01 國產化,資債系統繞不開的話題

        JINNIANLAI,YINXINGYEHEJINRONGKEJIXINGYEYUELAIYUEZHUZHONGHEXINXITONG“GUOCHANHUA”DEWENTI,ZAIJINRONGLINGYUTUIXINGGUOCHAN、ZIZHU、KEKONGYIJINGSHISHIZAIBIXINGDEQUSHI。DANDUIYUANQUANXINGYAOQIUJIGAODEYINXINGERYAN,GUOCHANHUABINGBUSHIJIANDANTIHUANDEGUOCHENG,QIZHONGGENGSHEJIDAOFUZAYEWUDEWENDINGXINGHEWANZHENGXINGDENGZHUDUOWENTI。

       YINCI,CONGYINXINGJIAODUCHUFA,SHIXIANXITONGGUOCHANHUAPINGWENGUODUGENGWEIZHONGYAO。ZHEYEDUIJINRONGKEJIGONGYINGSHANGZAIXIANGGUANLINGYUDEJINGYANJILEI、XIANGGUANCHANPINDELUOJIXINGHECHENGSHUDUDENGTICHULEGENGGAOYAOQIU。

       WOMENZAILAIKANKANSHANGYEYINXINGZICHANFUZHAIXITONGJIANSHELINGYU。MUQIAN,WOGUOZHENGCHUYUJINRONGSHICHANGKUAISUBIANGEQI,LILVSHICHANGHUAJINCHENGJIAKUAI,《BASAIERⅢ:LIUDONGXINGFENGXIANJILIANG、BIAOZHUNHEJIANCEDEGUOJIKUANGJIA》、《BASAIERⅢ:LIUDONGXINGFUGAILVHELIUDONGXINGFENGXIANJIANCEGONGJU》、《LILVFENGXIANGUANLIYUJIANGUANYUANZE》HEZHONGGUOYINJIANHUI《SHANGYEYINXINGLIUDONGXINGFENGXIANGUANLIBANFA》DENGJIANGUANBIAOZHUNYAOQIUSHANGYEYINXINGKUAISUJIANLIWANSHANXIANDAIZICHANFUZHAIGUANLITIXI。

       DANYUZHIDUIYINGDESHIGUONEIJIAODUODAXINGYINXINGYIYOUDEZICHANFUZHAIGUANLIXITONGHEXINJILIANGCHANPINCAIYONGLEOracle、SunGardDENGGUOWAIRUANJIAN,ZHONGXIAOYINXINGZEDUOQUESHAOXINXIXITONGZHICHIZICHANFUZHAIGUANLIHUOZHEWEINENGCHONGFENFAHUIXIANGGUANXITONGLUOSHIGUANLILINIAN,WOGUOYINXINGYENEIZICHANFUZHAIXITONGJIANSHERENGSHIRENZHONGERDAOYUAN。

       ZONGSHANGSUOSHU,YINXINGZIZHAIXITONGGUOCHANHUASHIGUONEISHANGYEYINXINGWUFARAOKAIDEYIGEHUATI。SUIRANMUQIANGUONEIDUOSHUYINXINGZAIXINXIJICHU、SHUJUZHENGHEHEXITONGYANFAFANGMIANYIJINGQUDELEJIAORENDECHENGJI,YONGYOULEGUOWAIHUOGUOCHANHUADEZIZHAIXITONG,DANJIUYINXINGZISHENCHUFA,ZHENGTIYINXINGXITONGJIAGOUHEYINXINGITRENCAIZHISHIJIEGOURENGPIANXIANGYU“IOE”,DUIYUGUOCHANHUAXITONGDEYANJIUSHIJIN5NIANNEICAIKAISHIJIASU,ZAIJIAZHIZICHANFUZHAIGUANLIJISHUDEFUZAXINGHEZONGHEXING,DAOZHIHENDUOYINXINGZAIZICHANFUZHAIGUANLIXITONGGUOCHANHUAJIANSHESHANGZHANGAIZHONGZHONG。

 

02 精細、專業,資債建設新方向

       SUIZHULILVSHICHANGHUADEBUDUANTUIJIN,YINXINGTONGYEJINGZHENGJIANGGENGJIAJILEI,ZICHANFUZHAIGUANLIDEHEXINYOUSHIJIANGYUELAIYUETIXIANZAIZHUANYEHUA、KEXUEHUA、JINGXIHUADEGUANLISHANG,SHANGYEYINXINGJIXUYIDAZICHANFUZHAIGUANLITIXIWEIZHICHENG,QUANMIANSHIXIANYINXINGJINGXIHUAGUANLILIUCHENG。

       XINYADAZI1996NIANCHENGLIZHICHU,JIUYITUICHUJINRONGFENGXIANCHANPIN。JINGGUODUIYINXINGJINRONGFENGXIANSHICHANGCHANGDA24NIANDEZHUIZONGHEYANJIU,XINYADAFENGXIANXIANGGUANCHANPINYIJINGJUBEIXIANGDANGSHENHOUDECHENGSHUDUHEWENDINGDU,NENGWEIJINRONGKEHUTIGONG“ZIXUN、CHANPIN、SHISHI”YITIHUADEJIEJUEFANGAN。TONGSHI,ZUOWEIJINRONGKEJILINGYUDE“MINZUPINPAI”,XINYADASHIGUONEISHOUJIAZIZHUYANFAXINJISHUMOKUAIDEJINRONGKEJICHANGSHANG,GUOCHAN、ZIZHU、KEKONGSHIXINYADACHANPINDE“BIAOPEI”。

       ZICHANFUZHAICHANPINZUOWEIXINYADAFENGXIANBANKUAIDEZHONGYAOCHANPINZHIYI,MUQIANSHICHANGZENGLIANGLIANXU3NIANBAOCHIGUONEILINGXIAN。ZUIXINFABUDEZIZHAI5.0XITONG,ZUNXUN“YIWEIDU、QINGJINGWEIPEIZHIJICHU、XIANJINLIUYINQINGWEIJILIANGJICHU”DESHEJILINIAN,TONGYILEQINGJINGMONIHEJINGTAIFENXIDEFANGFALUN,BINGDUICAOZUOXING、YIYONGXING、SHISHIXING、ZHUNQUEXINGDENGZUOCHULEQUANMIANGAIJIN,BANGZHUSHANGYEYINXINGQUANMIANGOUJIANSHUZIHUAFENGKONGNENGLI,SHIXIANWANDAOCHAOCHE。

 

03 資債5.0:仰望星空更腳踏實地

       XINYADAZICHANFUZHAIGUANLICHANPINYANFATUANDUIBIAOSHI:“WOMENXIWANGSUOYANFADEZICHANFUZHAIGUANLIXITONGBUJINNENGGOUZHICHICUNLIANGYEWUDELIUDONGXINGHELIHUILVFENGXIANFENXI,TONGSHINENGGOUGENJUZICHANFUZHAIDEFAZHANYAOQIU,MONIDAIKUANTIDAILEICHUANGXINCHANPINDEKAIZHANJIHUA,BINGTONGGUODINGJIA、ZIBEN、SHICHANGFENGXIANDENGXINYADAFENGXIANFUWU,QUANFANGWEIZHANXIANZIBEN、SHICHANGFENGXIAN、CUNDAIKUANDINGJIA、NEIBUZHUANYIDINGJIAYUESHUXIADEFENGXIANSHOUYIZHUANGKUANG,DIAOZHENGYINXINGDEYEWUHESHOUYIJIEGOU。”

       XINYADAZICHANFUZHAI5.0ZHENGSHIRUCI。

       SUIRANZICHANFUZHAIJILIANGYINQINGDEJISHUZHUANYEDUGAO、CESHINANDUDA,DUIJIEGUODEJINGDUJIJILIANGDEXIAOLVYOUZHUSHUANGZHONGGAOYAOQIU,DANHAOZAIXINYADAZIZHAITUANDUICONGBUQINGYANFANGQI。

       相關金融算法復雜,他們就攜信雅達金融大數據研究院與國內高等院校,獨創金融計量算法,整體效率較原先提升10倍;現金流引擎計算效率不理想,他們就建立基于海量小計算的復雜計算平臺,支持現金流引擎的跨平臺、高并發、快速計算;存量業務和情景模擬方法論不統?,他們更是創新性地完成了動靜態方法論的統一,支持客戶行為的精確性計量……