迈向智能世界白皮书2023-数字金融

迈向智能世界白皮书2023智领睿变，共建数智金融未来数字金融 执行摘要 ······································································································································01趋势一 新兴客群加速交互模式改变，从数字联接到智能情感交互···········031.1 数据智能 ·······················································································································061.1.1 金融机构自建AI训练环境·························································································061.1.2 面向AI的基础设施架构 ····························································································071.2 保障实时交互业务质量 ······························································································111.2.1 建设IPV6+广域网 ·····································································································111.2.2 打造高品质万兆园区网络 ··························································································121.2.3 构建极简分支网点网络 ······························································································14趋势二 全球央行推动数字货币变革，数字支付重回银行系统 ·····················162.1 确保实时交易稳定低时延 ·························································································182.1.1 稳定低时延 ················································································································182.1.2 故障平滑切换 ············································································································192.1.3 全域监控分析 ············································································································212.2 E2E系统可信和数据加密 ··························································································21趋势三 平台经济激活小微，AI助力破解融资难题 ··············································233.1 开放API，使能业务创新 ··························································································253.2 云管边端协同AI推理 ································································································26趋势四 新型交易欺诈和智能化网络攻击，增大资金安全风险 ·····················284.1建设实时风控系统 ······································································································304.2 加强业务安全管理 ······································································································314.2.1 金融安全管理综述 ·····································································································314.2.2 网络周界安全 ············································································································32目录 4.2.3 零信任防护 ················································································································334.2.4 数据中心防勒索 ·········································································································354.3 主动监管合规 ···············································································································374.3.1 归档基础设施 ············································································································374.3.2 合规认证 ····················································································································38趋势五 IT转型加速和规模增长，驱动系统化构建业务韧性 ··························415.1 金融应用现代化 ··········································································································435.1.1 基础设施现代化 ·········································································································445.1.2 架构设计现代化 ·········································································································455.1.3 共享平台现代化 ·········································································································455.1.4 开发治理现代化 ·········································································································465.2 快速构建数字银行核心 ····························································································475.3 加强基础设施韧性 ······································································································495.3.1 金融灾备概述 ············································································································495.3.2 灾备技术方案 ············································································································51趋势六 银行资产规模增幅放缓，向精细化运营转移 ·········································556.1 构建混合多云框架 ······································································································576.2 选择适合的硬件架构 ··································································································586.3 采用数据缩减技术 ······································································································606.4 采用自动化运维工具 ··································································································606.4.1 AI助力IT自动化运维 ·································································································606.4.2 采用开源管理工具，鼓励技术竞争 ···········································································61总结 ········