China's joint-stock banks first cloud application services to the core risk management, Baidu Baidu cloud scored first-Bank-IT information

Medical Division total abolition, acquisition acquisition after the startup Raven technology group, the creation of intelligent driving career ... ... Since joining the Baidu, Qi Lu, each business unit of the group can be described as radical, frequently.

Now, when during the two sessions, Baidu is clouds also quickened the pace of advance, announced just two days before, and thanks to the cooperation of intelligent parking service, Baidu is clouds this time directly involved in China Minsheng Bank risk early warning system project, for the Bank to provide credit for its enterprise risk management and early warning services.

Specifically, this project is new from the Minsheng banking credit enterprise and in the credit risk management of the enterprise based on the Baidu is clouds of a collection of large data collection, analysis and computational modeling capabilities, the underlying process large volumes of unstructured data, the associated targets, and risks through risk identification model signals.

Meanwhile, Baidu is clouds BOS services and API connection internal business processes to realize on the enterprise of bank credit risk monitoring, and reducing bad loans of the Bank risk and revenue loss. Baidu is clouds, officials said, follow-up plan would also extend to the credit review, project appraisal, marketing and other fields.

When on January 13 this year, Baidu has completed the first phase of product development and officially launched in Minsheng banking system, achieve product standardization and can be copied, and Minsheng banking cooperation, and rapid and Wenzhou, Zhejiang Province, one of the largest private security company in the Sony credit services Corporation signed a cooperation agreement, is currently docked, and has been on the line.

It is worth mentioning that, Baidu and China Minsheng banking cooperation, joint-stock Bank will use cloud services to the core risk management and credit decision making, while Baidu is clouds of large enterprises the establishment of risk early-warning system, Baidu is clouds also distinguishes it from other competitors ' proprietary financial service capabilities.

Li said more than once, Baidu is clouds is a natural cloud, cloud computing has been one of Baidu's core capabilities. The world's largest Chinese search engine, and received the 6 billion search queries every day, knows, Baidu in the accumulation of data processing technology of the doorways.

In April 2015, Baidu launched an open cloud, it has been nearly two years. If two or three years ago, Baidu think cloud computing is too simple, as long as their search on line, then you will see that Baidu is clouds began to dabble in dirty work hard work hard work in cloud services.

Over the past more than 10 years, Baidu's cloud technology are hidden in the background, and available to end users through search, Baidu in the future fully opened out these technical capabilities, combined with all walks of life to make.

In mid-2016, Baidu is clouds established the artificial intelligence (AI), large (Big Data) and cloud computing (Cloud) ABC formed a Trinity of strategy, Baidu is clouds when he declared that "ABC" combine depth and to transform the traditional industries, intended to enhance the efficiency of business operations.

Baidu is clouds and Minsheng banking cooperation precisely verifies this, and can also be seen from another perspective, traditional financial institutions have already begun to March to the field of Internet financial advantage.

All along, the data are considered to be cloud-based, and data is the most sensitive and important part of the Bank. For banks, more comprehensive grasp of the data of enterprises, can relate to the business will be richer. But an undeniable fact is that almost all can be called a risk data, when accumulated data rises, how to avoid the risk of Bank and Internet company's common goals.

Even the fosun Chairman Guo guangchang said, is the core skill of financial institutions risk management capabilities. If you can make use of technology in transforming traditional risk management approach, and will dramatically change the financial landscape.

Coincidentally, on January 10 this year, the CBRC has a special position, China's banks should stick to a systemic risk to the bottom line this year to promote risk prevention and control in key areas. For the highly anticipated banking bad loan risk, the CBRC required banking institutions to ascertain risk base, detailed classification of credit assets, increase the intensity of risk hazard hunt.

Baidu is clouds and Minsheng banking partner, is relying on information technology to reduce the risk of banks ' bad loans, it's not just policies and the trend, as well as traditional banking at large data levels to embrace the Internet company has set a typical case, helps to promote the transformation and upgrading of data and of industry as a whole.

Baidu is clouds "day" platform, for example, its advantage is to provide landing service, for companies such as data collection, storage, processing, analysis and scenario of one-stop services.

Financial risk characteristics of the industry, "day" is platform, Baidu search, maps, social networking, and other types of transactions, the Government data collection and customized, to achieving the financial depth of customer scenarios, such as car loans, business loans, education loans, home improvement loans, helping financial institutions to the intelligent and efficient transition.

Baidu is clouds grabbed the first cloud application services joint-stock banks to the core risk management's first single, cloud with Baidu in the financial aspects of the layout are not unrelated, Baidu technology and convergence of financial services convergence will form a "financial cloud."

On the Baidu World Conference held in September 2016, Baidu financial artificial intelligence, security, collection data risk management, IT systems, complete financial solutions to pay Baidu "Finance" officially opened to industry.

In fact, not only the livelihood of the banks, industrial and commercial bank has also started exploring large data risk work items that are related. ICBC in risk control of data system schema, main of data source not only is traditional banking of trading data, also covers has currently ICBC in build of three big platform of Internet financial of related data, also including has some government organ and cooperation party of value, formed has three flow one, funds flow, and commodity flow and flow, put related of data for integration, and cross application, formed has risk schema system of repository.

In fact, whether it be Internet companies, or a traditional Bank, as long as financial data items, are inseparable from this financial cloud based, safety and reliability of the financial cloud, determines the financial data of risk control, efficiency and results. But in the final analysis, the risk is a fundamental property of financial, big wind control is the basic requirement of financial data, big data, and combining the financial cloud, homeopathy became common practices in the financial sector.

But this battle will never be alone, even if you are a BAT. Because the only real open possible mining of large data values into information that can be directly applied to the commercial level.

In short, the first output, and make money. Now, Baidu is clouds seemed to have touched the road.

中国股份制银行首次将云服务应用到核心风险管理，百度云拿下第一单 - 百度云,银行 - IT资讯

医疗事业部整体裁撤、收购收购90后创业公司渡鸦科技、成立智能驾驶事业群组......自从陆奇加入百度之后，集团各个事业部可谓大刀阔斧，动作频频。

如今，正值两会期间，百度云也加快了进击的步伐，前两天刚宣布和摩拜合作智能停车服务，这一次百度云直接参与了中国民生银行的风险预警体系项目，为民生银行提供其信贷企业的风险管理和预警服务。

具体来说，这个项目是从对民生银行新增授信企业和在授信企业的风险管理出发，集合了百度云的大数据收集、分析和计算建模能力，将底层海量非结构化数据进行处理，关联目标企业，并通过风险识别模型判断产生风险信号。

与此同时，通过百度云BOS服务和API对接银行内部业务流程，实现对银行授信企业的风险监测，提升银行的风险收益并降低不良贷款损失。百度云官方表示，后续还计划将扩展到信贷评审、项目评审乃至营销等多个领域。

就在今年1月13日的时候，百度云已经完成了一期的产品研发并正式在民生银行业务系统上线，实现了产品的标准化和可复制，与民生银行达成合作后，又快速与浙江省最大的民营担保公司之一温州中新力合征信服务股份有限公司签订合作协议，目前也完成对接并已经上线。

值得一提的是，百度云与中国民生银行的合作，是股份制银行首次将云服务使用到核心的风险管理和信贷决策领域，而百度云对大数据企业风险预警体系的建立，也成为百度云区别于其他竞争对手的一个专有金融服务能力。

李彦宏不只一次说过，百度云是天生的云计算公司，云计算也一直是百度最为核心的能力之一。作为全球最大的中文搜索引擎，每天接收到相应60亿人次的搜索请求，百度在数据的积累令其深谙大数据处理技术的门道。

2015年4月，百度正式推出开放云，至今已经将近两年。如果说两三年前百度把云计算市场想的太简单了，认为只要把自己的搜索做好就行，那么你会发现百度云开始涉猎云服务领域的脏活苦活累活了。

言外之意，过去十几年百度的这些云端技术都藏在后台，通过搜索提供给终端的用户，未来百度会把这些技术能力充分地开放出来，跟各行各业去进行结合。

2016年中旬，百度云确立了人工智能（AI）、大数据（Big Data）和云计算（Cloud）组成的ABC三位一体的战略格局，彼时百度云就宣称“ABC”将深度结合并改造传统行业，意欲提升企业的运营效率。

这次百度云与民生银行的合作恰恰验证了这一点，同时从另一个角度也可以看出，传统金融机构已经开始向互联网金融占据优势的领域进军了。

一直以来，数据都被认为是云的基础，同时数据也是银行最敏感和重要的组成部分。对于银行来说，企业对大数据掌握越全面，所能涉及到的业务也会越丰富。但一个不可否认的事实是，所有的数据几乎都可以称得上是风险数据，当积累的数据越来越多时，如何规避风险成了银行和互联网公司的共同目标。

就连复星集团董事长郭广昌都表示，金融机构最核心的能力就是风险管理能力。如果能把技术积累用在改造传统风险管理的方式上面，将极大改变金融业的面貌。

无独有偶，今年1月10日银监会也特别表态，中国银行业今年应坚守不发生系统性风险为底线，推进重点领域风险防控。对于备受瞩目的银行业不良贷款风险，银监会要求银行机构摸清风险底数，细化信贷资产分类，加大风险隐患排查力度。

百度云与民生银行搭档，正是依托大数据技术来降低银行不良贷款风险，这不仅仅是政策和大势所趋，也为传统银行在大数据层面拥抱互联网企业树立了一个典型案例，有助于促进整个银行业的大数据应用和转型升级。

以百度云“天算”平台为例，它的优势是提供落地的场景化服务，为企业提供如数据收集、存储、处理分析到应用场景的一站式服务。

针对金融风控行业的特点，“天算”平台的做法是，过百度搜索、地图、社交、交易、政府等各类数据的收集，以实现对各类金融客户深度场景的定制，如购车贷款、企业贷款、教育贷款、家装贷款等,从而帮助金融机构向智能化、高效化转型。

百度云之所以抢到了股份制银行首次将云服务应用到核心风险管理的第一单，与百度云在金融层面的布局不无关系，百度技术与金融业务融合的集中体现就形成了“金融云”。

2016年9月举办的百度世界大会上，集合了百度金融人工智能、安全防护、大数据风控、IT系统、支付全套金融解决方案的百度“金融云”正式向业界开放。

事实上，不只民生银行，工商银行也启动了探索大数据风控相关的工作项目。工商银行在风险防控的数据体系架构，主要的数据源不单单是传统银行业的交易数据，也涵盖了目前工商银行在打造的三大平台的互联网金融的相关数据，还包括了一些政府机关和合作方的价值，形成了三流合一，资金流、商品流和信息流，把相关的数据进行整合、交叉应用，形成了风险架构体系的信息库。

事实上，无论是互联网企业，还是传统银行，只要与金融大数据沾边，都离不开金融云这个基础，金融云的安全性、可靠性，决定着金融大数据的风险管控、效率和结果。但归根结底，风险是金融的根本属性，大数据风控是做好金融的根本要求，大数据和金融云相结合，就顺势成为金融领域的通用做法了。

不过这个战场永远不可能一家独大，即便你是BAT。因为只有真正的开放，才有可能挖掘大数据中的价值含量，转变为可以被直接运用于商业层面的信息。

简而言之，先开放输出，再赚钱。如今看来，百度云似乎已经摸到了门道。