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  • 中国银行邢桂伟:大数据风控使银行风控体系不断健壮成熟
    2018-06-30 11:22:58作者:王柯瑾 来源:中国经营网 评论:

    本报记者 王柯瑾 ?#26412;?#25253;道

    由中国经营报社主办、中国社会科学院提供学术支持的“第三届中经金融科技高峰论坛”6月30日在?#26412;?#20030;行。本届论坛的主题为“享科技智金融”。

    在“银行智能化布局的路径选择与探索”圆桌对话环节中,中国银行信息科技部总工程师邢桂伟提到,传统风控数据是强金融数据,主要依赖身份属?#38498;?#37329;融交易数据;而大数据风控侧重于弱数据金融化,认为所有数据都是风险数据,再提炼风险表征,并形成“数据+决策+监控”的动态闭环,使风控体系不断健壮成熟。


    中国银行信息科技部总工程师邢桂伟

    他指出,欺诈和风险的识别是智能风控的核心,数据的维度和密度是智能风控的关键,数据获取能力和基于规则引擎、风险引擎精准地分析建模是智能风控最主要的难题。

    邢桂伟表示:“中国银行提出了科技引领数字化发展战略,目标是打造场景生态丰富、线上线下协同、用户体验极致、产品创新灵活、运营管理高效、风险控制智能的数字化银行。构建数字化银行要把科技元素注入业务全流程、全领域,遵循以体验为核心、以数据为基础、以技术为驱动的策略,实现内在价值的提升,并在业务创?#36335;?#23637;、业务科技融合、技术能力建设、体制机制转型四个方面全面发力。”

    在谈到相对于金融科技公司,国有传?#25104;?#19994;银行的比较优势时,邢桂伟称,主要表现在五个方面:一是金融领域的专业优势和经验积累;二是全渠道、立体化、跨地域协同的服务渠道,覆盖线上线下和境内境外;三是长期基于广泛金融场景的技术研发运用实践经验,并形成了一支专业、稳定、成建制的技术队伍;四是长期稳健经营,?#35270;?#20005;格金融监管,确保连续经营稳定?#38498;统?#26399;信用?#20449;担?#20116;是稳健可靠的品牌信用。

    在建设创新型国家的背景和互联网的高科技推动下,传统金融机构纷?#20934;?#22823;在金融科技领域的布局。在“银行智能化布局的路径选择与探索”圆桌对话环节,来自国有银行、外资行、民营银行的多位嘉宾围绕“银行数字化转型的核心竞争力、挑战与应?#22278;?#30053;”“云计算、大数据、AI等新技术在银行业的实践与探索”“银行新流程重构带来的数字化风险布控与智能风控提升”等议题展开了热烈讨论。

    (编辑:曹驰 校对:颜京宁)

    *除《中国经营报》署名文章外,其他文章为作者独立观点,不代表中国经营网立场。
    责编:胡月 [email protected]

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