迈向智能世界白皮书2023-数字金融

数字金融 智领睿变，共建数智金融未来 目录 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···········03 1.1数据智能·······················································································································06 1.1.1金融机构自建AI训练环境·························································································061.1.2面向AI的基础设施架构····························································································07 1.2保障实时交互业务质量······························································································11 1.2.1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·····················16 2.1确保实时交易稳定低时延·························································································18 2.1.1稳定低时延················································································································182.1.2故障平滑切换············································································································192.1.3全域监控分析············································································································21 2.2 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··············································23 3.1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·····················28 4.1建设实时风控系统······································································································30 4.2.1金融安全管理综述·····································································································314.2.2网络周界安全············································································································32 4.2.3零信任防护················································································································334.2.4数据中心防勒索·········································································································35 4.3主动监管合规···············································································································37 4.3.1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··························41 5.1金融应用现代化··········································································································43 5.1.1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·········································································································46 5.2快速构建数字银行核心····························································································47 5.3加强基础设施韧性······································································································49 5.3.1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·········································55 6.1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······································································································60 6.4.1AI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················································································································································63 7.1筑牢基础设施韧性，打造MEGA基础设施····························································647.2金融基础设施目标架构········································