<section data-mpa-template="t" mpa-from-tpl="t"> <section data-mid="" mpa-from-tpl="t"> <section data-mid="" mpa-from-tpl="t"> <section data-mid="" mpa-from-tpl="t"> <section data-mid="" mpa-from-tpl="t"> <p style="text-align: justify;margin-bottom: 0em;margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">“数字化转型的前期,往往将资源和力量集中在前台,但是发展到一定阶段,想继续往前走,中后台也需要被同步赋能。就像舞龙,龙头抬得再高,龙尾坠在那儿,是飞不起来的。”7月23日,在新金融联盟举办</span><span style="font-size: 15px;letter-spacing: 1px;">“商业银行数字化能力提升的难点与突破”</span><span style="font-size: 15px;letter-spacing: 1px;">内部研讨会上,光大银行副行长杨兵兵在主题发言中表示。</span></p> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">杨兵兵介绍,今年光大银行在组织研究如何将数据资产价值纳入银行资产负债表中,类比“商誉”。</span><span style="font-size: 15px;letter-spacing: 1px;">如果研究得到市场和规则制定方的认可,将有可能推动全社会数据资产价值的充</span><span style="font-size: 15px;letter-spacing: 1px;">分体现和利用。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">以下为杨兵兵发言全文,已经本人审核。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <hr style="border-style: solid;border-width: 1px 0 0;border-color: rgba(0,0,0,0.1);-webkit-transform-origin: 0 0;-webkit-transform: scale(1, 0.5);transform-origin: 0 0;transform: scale(1, 0.5);"> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin: 0px 0px 24px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;text-align: center;background-color: rgb(255, 255, 255);line-height: 1.75em;visibility: visible;"><strong style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(66, 61, 61);font-family: Optima-Regular, PingFangTC-light;font-size: 19px;letter-spacing: 1px;text-align: justify;visibility: visible;">对商业银行数字化转型关键的思考</strong></section> <p style="margin: 0px 16px 5px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;text-align: center;background: white;line-height: normal;visibility: visible;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 15px;font-family: Optima-Regular, PingFangTC-light;color: rgb(136, 136, 136);visibility: visible;"><strong style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(136, 136, 136);line-height: 22.5px;background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;letter-spacing: 1px;visibility: visible;">文| 杨兵兵</span></strong></span></p> <section style="margin: 0px 16px 25px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;clear: both;min-height: 1em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;text-align: center;background: white;line-height: normal;visibility: visible;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;line-height: 22.5px;background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;font-size: 15px;letter-spacing: 1px;font-family: Optima-Regular, PingFangTC-light;color: rgb(66, 61, 61);visibility: visible;"><strong data-darkmode-bgcolor="rgb(36, 36, 36)" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(0, 0, 0);font-size: 16px;visibility: visible;"><strong data-darkmode-bgcolor="rgb(36, 36, 36)" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;letter-spacing: 0.544px;visibility: visible;"><img src="http://static-fintech.rpa-cn.com/2022/08/frc-1a79291e93121fa18fd6262c714b81b5.png"></strong></strong></span></section> <section style="margin: 0px 0px 24px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;font-size: 16px;visibility: visible;"> <p style="margin: 0px 0px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;text-align: center;visibility: visible;"><img src="http://static-fintech.rpa-cn.com/2022/08/frc-977dd18f6ce845e824966c34f25921e0.png"></p> </section> <section style="margin: 0px 16px 40px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;text-align: center;line-height: normal;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;font-size: 14px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 1px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-style: initial;text-decoration-color: initial;visibility: visible;color: rgb(51, 51, 51);float: none;">光大银行副行长 杨兵兵</span></section> </section> </section> </section> </section> </section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">数字化转型当中难免会存在技术困难,但经过长期的实践总结,技术问题往往不是最主要的瓶颈,因为市场上科技公司众多,不乏技术实力雄厚的专业公司。所以,今天我想重点谈对技术定位的思考与对数字化转型的理解,解决很多问题的关键,本质上在于是否达成了共识。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section data-id="98856" data-tools="135编辑器" data-color="#e36c09"> <section style="margin: 10px auto;text-align: center;"> <section style="display: flex;flex-direction: column;justify-content: center;align-items: center;"> <section style="color:#e36c09;font-size: 60px;" data-original-title="" title="" aria-describedby="tooltip611744" hm_fix="317:381"><strong>1</strong></section> <section style="box-sizing: border-box;width: 15%;height: 1px;background: rgb(227, 108, 9);margin-top: -35px;overflow: hidden;" data-width="15%"></section> </section> <section data-brushtype="text" style="font-size: 16px;letter-spacing: 1.5px;padding: 0px 10px;background: #fff;padding: 8px;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);"><strong>业务与科技如何协作?</strong></section> </section> </section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">在数字化转型过程中,科技到底担当什么角色?这很值得思考。当银行步入真正的数字化转型阶段,业务与科技的分工,应该是“业务驱动,科技担当”。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">在数字化建设期,银行处于传统经营模式,科技会发挥更多的驱动作用,为业务提供高效支撑,但这仅是过渡阶段。真正的数字化转型,应该是业务主动需要技术,当业务发展到急于求变、转型欲望迫切时,数字化转型就转变为由业务驱动。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">之所以提“科技担当”,是因为各业务单元的数字化程度差异较大,而提供完整的金融服务需要各业务单元之间协同配合,这时需要科技向前一步,做一个承担者,将差异补齐。因此,<strong>业务与科技在数字化转型进程中是相互协作的关系,首先由业务驱动,再配以“科技担当”。</strong>科技要有担当能力,需要比业务快半步;产生了业务价值,科技的价值才能体现。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">这个思路背后还有一个认识,即数字化转型的成功不在数字化,而在转型。转型的成功则在于业务的成功,如果一家银行的某项业务在应用技术后突飞猛进,那就标志了该项业务数字化转型的成功;如果技术先进,但是业务表现平平,那么只是完成了业务数字化建设,没有实现转型。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">正因为数字化转型的实质是业务转型,不是单纯的技术建设,所以银行成立数字化转型领导小组时,组长多由行长担任,副组长则包括主要业务板块的领导与分管科技的领导。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">因此,转型是目的、数字化技术是基础、数字化建设是过程。在转型初期,往往以数字化建设为主导,当数字化发展遭遇“瓶颈”时,则意味着到了以业务驱动的转型节点,这是数字化转型的底层逻辑,必须形成全行共识,达成了这个共识,人才问题、资源问题、协同问题都将迎刃而解。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section data-id="98856" data-tools="135编辑器" data-color="#e36c09"> <section style="margin: 10px auto;text-align: center;"> <section style="display: flex;flex-direction: column;justify-content: center;align-items: center;"> <section style="color:#e36c09;font-size: 60px;" data-original-title="" title="" aria-describedby="tooltip611744" hm_fix="317:381"><strong>2</strong></section> <section style="box-sizing: border-box;width: 15%;height: 1px;background: rgb(227, 108, 9);margin-top: -35px;overflow: hidden;" data-width="15%"></section> </section> <section data-brushtype="text" style="font-size: 16px;letter-spacing: 1.5px;padding: 0px 10px;background: #fff;padding: 8px;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);"><strong>数据资产也应进入资产负债表</strong></section> </section> </section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">银行业数字化建设进程基本分为五个阶段,分别是电子化、线上化、数据化、智能化、资产化。数字化转型进程的各个阶段呈现业务数字化、数字业务化、数字化治理、数据价值化等特征,这些特征有的贯穿整个数字化进程,有的则是阶段性的。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">其中,电子化、线上化、数据化属于业务数字化的范畴,这是数字化转型的起步阶段,也是数字化转型的必经之路,无法跳跃。如果没有经历这个阶段的数据积累,就等于数字化转型的地基不牢固,很难顺利进入下一阶段。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><strong><span style="font-size: 15px;letter-spacing: 1px;">在数字化转型进程中,关键的一步是数据化。</span></strong><span style="font-size: 15px;letter-spacing: 1px;">我们现在各行都提供了手机银行、网上银行等线上化渠道,但线上化渠道的广泛应用并不代表实现了数据化。数据化阶段需要银行在数据采集、数据传输、数据存储、数据分析、数据应用等方面全面布局,特别是数据标准、数据质量以及内外部数据的融合应用等方面要全面提升。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">当银行拥有了大量数据,却仅局限于提供简单的线上化和电子化服务,而不能进入智能化和资产化阶段时,银行的数字化转型将会停滞不前。因此,数字化转型的过程应该是一个循序渐进的发展过程,不是一蹴而就,只有很好地先将业务数字化,同时夯实好数据和技术基础,才具备进入智能化和资产化阶段的基础。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><strong><span style="font-size: 15px;letter-spacing: 1px;">做好业务数字化的下一步就是数字业务化,这需要前期大量积累,也是银行数字化转型的重点方向</span></strong><span style="font-size: 15px;letter-spacing: 1px;">。数字业务化即进入数据经营阶段,数字化治理作为保障数据标准、数据质量、数据安全的根本保障,贯穿数字化转型全过程,决定了数字化转型的成败。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><strong><span style="font-size: 15px;letter-spacing: 1px;">最后是数据价值化,以数字化为基础进入智能化阶段</span></strong><span style="font-size: 15px;letter-spacing: 1px;">。当然现在的智能化还处在弱智能化阶段,仍处于RPA、人工智能等技术的初步应用阶段,要进入真正的强智能化阶段,银行仍有很长的路要走。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">已经拥有的数据如何产生价值?2021年,光大银行两次发布数据资产估值白皮书,探索商业银行数据资产价值。今年我们在组织研究如何将数据资产价值“入表”,即从会计核算的角度确认资产价值,纳入银行资产负债表中,类比“商誉”。如果研究得到市场和规则制度方的认可,将有可能推动全社会数据资产价值的充分体现和利用。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section data-id="98856" data-tools="135编辑器" data-color="#e36c09"> <section style="margin: 10px auto;text-align: center;"> <section style="display: flex;flex-direction: column;justify-content: center;align-items: center;"> <section style="color:#e36c09;font-size: 60px;" data-original-title="" title="" aria-describedby="tooltip611744" hm_fix="317:381"><strong>3</strong></section> <section style="box-sizing: border-box;width: 15%;height: 1px;background: rgb(227, 108, 9);margin-top: -35px;overflow: hidden;" data-width="15%"></section> </section> <section data-brushtype="text" style="font-size: 16px;letter-spacing: 1.5px;padding: 0px 10px;background: #fff;padding: 8px;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-ms-transform: rotate(0deg);-o-transform: rotate(0deg);"><strong>“数字洼地”必须补齐</strong></section> </section> </section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">银行从电子化、线上化等阶段一步步走来,可能会留下个别“数字洼地”。如果这些洼地不填平,也会影响数据智能化和数据资产化的进程。比如,银行在运营过程中使用了大量的数字化模型,但是在个别领域仍有一些基础性的手工操作处理,仍有很大提升空间。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">填补“数字洼地”有两个关键点:一是需要加强对员工的赋能。要让员工感受到科技的力量,员工会将这种感受传递给客户。二是需要加大对中后台的赋能。<strong>数字化转型的前期,往往将资源和力量集中在前台,但是发展到一定阶段,要想继续往前走,需要“同频共振”,因此中后台也需要被同步赋能。</strong>就像舞龙,龙头抬得再高,龙尾坠在那儿,是飞不起来的。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><strong><span style="font-size: 15px;letter-spacing: 1px;">此外,随着数字技术的普及,数字化转型还必须防微杜渐,时时刻刻关注可能出现的新型风险。</span></strong><span style="font-size: 15px;letter-spacing: 1px;"></span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">为适应数字化转型的发展,光大银行最新的全面风险管理体系,在传统的信用风险、市场风险、操作风险基础上又增加三个维度的风险管控——数据风险、模型风险和场景风险。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;"> </span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 1px;">这三个风险在进入数字化转型前也存在,但由于数据在银行经营决策过程中的作用越来越凸显,金融服务越来越开放,因此已经发展到需要独立关注的阶段,通过传统风险以及新型风险的定期评估、持续跟踪、不断优化,以确保银行数字化转型稳健发展。</span></section> <section style="margin-left: 16px;margin-right: 16px;line-height: 1.75em;"></section> <p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;line-height: 1.75em;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 15px;letter-spacing: 1px;">来源:新金融联盟NFA</span></p> <section data-id="93971" data-tools="135编辑器" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);"> <section style="margin: 0px;padding: 1em;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"> <section style="margin: 1em auto;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;display: flex;justify-content: center;align-items: center;"> <section style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"> <section data-bgless="spin" data-bglessp="280" data-bgopacity="1%" style="margin: 0px 0px 0px 1.4em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 6px;height: 6px;border-radius: 100%;background: rgb(252, 212, 182);overflow: hidden;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> <section data-bgless="spin" data-bglessp="280" data-bgopacity="50%" style="margin: 0px 0px 0px 10px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 2.5em;height: 2.5em;border-radius: 100%;background: rgba(252, 212, 182, 0.6);overflow: hidden;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> </section> <section data-brushtype="text" hm_fix="327:396" style="margin: 0px 0px 0px -1em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;text-align: center;font-size: 20px;letter-spacing: 2px;color: rgb(245, 144, 71);">内容推荐</section> </section> </section> </section> <p style="margin: 0px 16px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);color: rgb(51, 51, 51);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;text-align: center;line-height: 1.75em;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(38, 38, 38);font-family: Optima-Regular, PingFangTC-light;font-size: 12px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 1px;orphans: 2;text-align: center;text-indent: 0px;text-transform: none;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;float: none;display: inline !important;">活动推荐</span></p> <p style="margin: 0px 16px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);color: rgb(51, 51, 51);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;text-align: center;line-height: 1.75em;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p> <section style="margin: 0px 16px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;clear: both;min-height: 1em;background-color: rgb(255, 255, 255);color: rgb(51, 51, 51);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;letter-spacing: normal;line-height: 1.75em;"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247490264&idx=1&sn=38132f7c6a883dfc35e693516a9f7b58&chksm=cfc9b71cf8be3e0a676aaa2ad8d9b9a6ddcc33210f7b184bb78c4defd08b845a77cb7785280c&scene=21#wechat_redirect" textvalue="" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="1" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener"><span class="js_jump_icon h5_image_link" data-positionback="static" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;line-height: 0;font-size: 0px;display: inline-block;vertical-align: bottom;user-select: none;inset: auto;"><img src="http://static-fintech.rpa-cn.com/2022/08/frc-adb33e4a23bd95ef7fcc62b4afcac985.jpeg"></span></a></section> <p style="margin: 0px 8px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;text-align: center;line-height: 1.75em;visibility: visible;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p> <p style="margin: 0px 8px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;text-align: center;line-height: 1.75em;visibility: visible;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(38, 38, 38);font-family: Optima-Regular, PingFangTC-light;letter-spacing: 1px;font-size: 12px;">大佬观点</span></p> <p style="margin: 0px 8px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;text-align: center;line-height: 1.75em;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p> <section style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;clear: both;min-height: 1em;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;line-height: 1.75em;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488022&idx=2&sn=561d643366c58583d78e04408ffa5427&chksm=cfc9bfd2f8be36c408042d1389b80b4b664f298530d4d1fcfcfcf4a6ce3c942bf696023fabf8&scene=21#wechat_redirect" textvalue="中电金信胡静:大零售转型正当时,数字化营销加快重塑银行零售经营格局" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">中电金信-胡静</a> | <a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488114&idx=2&sn=4c1ebbb55dd745f2c2550f4b38bc167b&chksm=cfc9bfb6f8be36a09731c67447579b54bb1d641a10b5abd4d01d47bcdf801bd1a44d23edf4e0&scene=21#wechat_redirect" textvalue="领雁科技陈丽琴:权益营销先进经验以及案例" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">领雁科技-陈丽琴</a> | <a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488153&idx=2&sn=4f8f656bb8d8915fd8c7513d7e7955b7&chksm=cfc9bf5df8be364bfee74df6e2c9b581863d486c89153e8e71ce48c5773f362247013e1b34e9&scene=21#wechat_redirect" textvalue="普强信息张伟:AI能力平台赋能智慧银行新场景" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">普强信息-张伟</a> | <span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;letter-spacing: 0.544px;"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488490&idx=1&sn=40cc23408ac3341bab3fda7988eae0ee&chksm=cfc9be2ef8be3738c9d0bf5cacb4396454603736280dc02cb98d0d8ad5093e916e8292b9f24a&scene=21#wechat_redirect" textvalue="腾讯安全林臣焱:银行数字化风控支撑体系建设的一二浅见" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">腾讯安全-林臣焱</a> | <a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488626&idx=1&sn=760fe00180485804cc4306ae7aff46a8&chksm=cfc9b9b6f8be30a052a9c421da1d425bd393b11893f7e26ae996ef6270935b79652a91479650&scene=21#wechat_redirect" textvalue="星环科技李梓梁:基于隐私计算与图应用的金融风控业务实践" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">星环科技-李梓梁</a> | <a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247488722&idx=1&sn=29ff82f6a20aadc20b21e8bf63a95a97&chksm=cfc9b916f8be3000e942973791053957a717870a53a196bd6e909d38bac699e40cf575df54aa&scene=21#wechat_redirect" textvalue="数美科技王正:金融行业数字化面临的风控挑战与建设" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;" rel="noopener">数美科技-王正</a></span> </span></section> <section style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;clear: both;min-height: 1em;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;line-height: 1.75em;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> <section style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;clear: both;min-height: 1em;background-color: rgb(255, 255, 255);font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;line-height: 1.75em;"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247486506&idx=1&sn=010f410c16851a04974843ac85cbef5c&chksm=cfc9a1eef8be28f8d5a10c65898fb6e15e1f066a69c0173e5f1c161c64aed16a063687c579e1&scene=21#wechat_redirect" textvalue="洞见科技-李博" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;letter-spacing: 0.544px;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">洞见科技-李博</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkyMjIzMjQzNw==&mid=2247485688&idx=1&sn=68bbd84aeba9e6caffe8156f82b6331d&chksm=c1f63be2f681b2f463a2b562806688eeba34a2cf88c1738c3b6b1d888a3b6a80ae1544a6a4d4&scene=21#wechat_redirect" textvalue="数睿数据-张超" data-itemshowtype="0" tab="innerlink" data-linktype="2" wah-hotarea="click" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(38, 38, 38);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;text-align: center;letter-spacing: 0.544px;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">|</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247485401&idx=1&sn=0967fc0006c68467ee878a17e7ae2c19&chksm=cfc9aa1df8be230b2e37f2ba8a3f80d32917521fb5a6859de2afded8b0723ff67a8e09a72a15&scene=21#wechat_redirect" textvalue="专访富数科技吴海斌:隐私计算头部效应明显,2022年落地才是硬道理" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">富数科技-吴海斌</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> | </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247487090&idx=1&sn=af0fb56189e176bf54992bee9d30deeb&chksm=cfc9a3b6f8be2aa0362f51c81997c3fa05b4d57ad1ca735cc20670b27eb860aefded165fdc0d&scene=21#wechat_redirect" textvalue="光之树科技-张佳辰" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">光之树科技-张佳辰</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> | </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247486784&idx=2&sn=ac7288f5bcacfe3bcdf277966ad119e7&chksm=cfc9a084f8be2992b3355f03a8c93b00b8bc331420fa480c500a6b644f9acdfb8297836693e1&scene=21#wechat_redirect" textvalue="翼方健数张霖涛:数据原生时代的IT新基建——数据与计算互联网" linktype="text" imgurl="" imgdata="null" data-itemshowtype="11" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">翼方健数-张霖涛</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> | </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247487170&idx=2&sn=8330c67238dfeaed76a2f461810dae3b&chksm=cfc9a306f8be2a107261302a0a745de20f2bda32d66b679044d9b4286af7733b60886a54da89&scene=21#wechat_redirect" textvalue="融安数科李登峰:数据价值流通中的合规监管和隐私度量技术" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">融安数科-李登峰</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> | </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247484970&idx=1&sn=2717fdd17d0f0d60917ceabe66e3e0e9&chksm=cfc9abeef8be22f8150167c7f4f58540a8378a56a8fd246036b4280a81c814b3807ede83d086&scene=21#wechat_redirect" textvalue="天冕科技-许文彬" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">天冕科技-许文彬</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> | </span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg5MTczMTExNQ==&mid=2247487145&idx=2&sn=bb26fbd17496af67ffa235d353b2cb81&chksm=cfc9a36df8be2a7bb6c91b696061fd5a1edcb5b011a61078daf0c81ff0953af7bc4e3d5d62f8&scene=21#wechat_redirect" textvalue="熠智科技CEO&创始人范学鹏:工业级隐私保护解决方案初探" linktype="text" imgurl="" imgdata="null" data-itemshowtype="0" tab="innerlink" data-linktype="2" hasload="1" style="margin: 0px;padding: 0px;outline: 0px;color: rgb(87, 107, 149);text-decoration: none;-webkit-tap-highlight-color: rgba(0, 0, 0, 0);cursor: pointer;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;" rel="noopener"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;">熠智科技-范学鹏</span></a><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 12px;"> </span></section> <p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;color: rgb(34, 34, 34);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);line-height: 1.75em;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p> <section data-tools="135编辑器" data-id="109746" data-color="#e36c09" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;background-color: rgb(255, 255, 255);"> <section style="margin: 10px auto;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;text-align: center;"> <section hm_fix="335:359" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;display: flex;justify-content: center;align-items: center;"> <section data-width="35%" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 236.938px;height: 1px;background-image: linear-gradient(to right, rgb(255, 255, 255) 0%, rgb(254, 188, 114) 100%);background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;overflow: hidden;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> <section style="margin: 0px 10px;padding: 0px;outline: 0px;max-width: 100%;background: url("https://mmbiz.qpic.cn/mmbiz_png/8yHQdwcve8p1kWXls8bU7mR4HDGYNn5O8TPWuQwvQg6ibXuiazArjcQSia7mia6B38Vn7Bh40aLtaZP0XGDwVJRfnQ/640?wx_fmt=png") center bottom / 35px no-repeat rgb(249, 198, 138);border-radius: 50%;box-sizing: border-box !important;overflow-wrap: break-word !important;"> <section style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 45px;height: 45px;border-radius: 100%;"> <section data-brushtype="text" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;color: rgb(227, 108, 9);line-height: 45px;"><strong style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">END</strong></section> </section> </section> <section data-width="35%" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;width: 236.938px;height: 1px;background-image: linear-gradient(to left, rgb(255, 255, 255) 0%, rgb(254, 188, 114) 100%);background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;"><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> </section> </section> </section> <section style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);min-height: 1em;font-size: 15px;color: rgb(62, 62, 62);text-align: center;line-height: 1.75em;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: 微软雅黑, sans-serif;letter-spacing: 1px;">行业知识交流分享,结识扩展人脉圈层</span><br style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></section> <section style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);min-height: 1em;font-size: 15px;color: rgb(62, 62, 62);text-align: center;line-height: 1.75em;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: 微软雅黑, sans-serif;letter-spacing: 1px;">公众号后台回复</span><strong style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: 微软雅黑, sans-serif;letter-spacing: 1px;">【数字金融】</strong></section> <section powered-by="xiumi.us" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);visibility: visible;"> <section powered-by="xiumi.us" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);"> <section powered-by="xiumi.us" style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 17px;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;background-color: rgb(255, 255, 255);text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;"> <section style="margin: 10px 16px 0em;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-style: normal;font-variant-ligatures: normal;font-variant-caps: normal;font-weight: 400;letter-spacing: 0.544px;orphans: 2;text-indent: 0px;text-transform: none;white-space: normal;widows: 2;word-spacing: 0px;-webkit-text-stroke-width: 0px;text-decoration-thickness: initial;text-decoration-style: initial;text-decoration-color: initial;background-color: rgb(255, 255, 255);min-height: 1em;font-size: 15px;color: rgb(62, 62, 62);text-align: center;line-height: 1.75em;font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><span style="margin: 0px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;letter-spacing: 1px;font-family: 微软雅黑, sans-serif;">可受邀加入【金融数字化&金融科技群】</span></section> </section> </section> </section> <section class="mp_profile_iframe_wrp"><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-id="Mzg5MTczMTExNQ==" data-headimg="http://mmbiz.qpic.cn/mmbiz_png/8yHQdwcve8qXuQUqM1FeJpp7CiaZV1BVdwPXQ9zWRJaj0h96rHdOzicvZkr9WbHqKZniayibnP8hC0FYGrsbRXYQEg/0?wx_fmt=png" data-nickname="数字金融网" data-alias="pcview" data-signature="聚焦金融行业数字化转型的科技服务平台,关注信用科技、数字货币/区块链、支付科技、监管与反洗钱、隐私计算、数字孪生等科技,面向金融行业从业者,解读金融政策、分享金融技术应用,输出权威白皮书/报告,组织活动等,为金融机构数字化转型提供智库支持。" data-from="0" data-is_biz_ban="0"></mp-common-profile></section>