At the beginning of 2017, the Zhejiang Provincial Rural Credit Cooperatives Association (hereinafter referred to as Zhejiang Lianshe) network financial core platform was officially launched. The platform construction lasted for 18 months. The scope of the project was wide, the number of people invested, and the implementation cycle was long. The history of IT construction has never been seen before. It is understood that the platform adopts advanced Internet technologies such as distributed, fully reflects the characteristics of “Internet finance†on the basis of comprehensive coverage of existing traditional core business functions, and realizes customer service channel sharing, online and offline collaboration, service scenarios and process innovation. And so on.
After the online financial core platform was launched, Zhejiang Lianhe IT Construction formed a two-wheel drive mode of “steady state + sensitive stateâ€. The core platform of the counter continues to maintain the "steady state" business development, based on traditional technology and architecture, focusing on business continuity; the core platform of network finance adopts the development of "sensitive" business, and builds an Internet-oriented integrated network financial service based on distributed technology. The platform emphasizes cooperation, sharing, openness, and interconnection, and supports agile development and innovation of financial products.
As an important part of the new generation of core business systems, the construction of the core platform of network finance is self-evident for Zhejiang Lianshe to respond to the impact of Internet finance, realize transformation and development, and enhance its core competitiveness. At the same time, during the project construction process, the business integration was realized through the rational use of distributed technology, and it provided a good reference for the development of the Internet system, academic analysis and informationization process for the rural credit cooperatives of other provinces.
1 big challenge
As a provincial-level management institution of 81 agricultural credit system financial institutions in the province, Zhejiang Lianshe has always insisted on serving “agriculture, rural areas and farmers†and Xiaowei, continuously optimizing management methods, and promoting the province's rural credit institutions to actively achieve great leap and development. As of the end of 2016, Zhejiang Union’s total deposits and loans ranked first in the province’s banking industry, and it was responsible for one-half of the farmers’ loans and one-fifth of the small and micro-enterprise loans in Zhejiang Province. The volume and service coverage rank first in the province's banking industry, and it has developed into a local financial institution with the largest number of outlets, the widest range of services and the largest capital.
In recent years, under the new financial ecological structure, Zhejiang Lianhe has faced enormous challenges and is in urgent need of transformation and upgrading. First, the drawbacks of the traditional centralized IT architecture are gradually emerging, and it is no longer able to meet the demand of IT systems for massive, efficient and comprehensive financial products and services. Second, cross-border competition is becoming increasingly fierce. Internet finance has had a great impact on the core business areas of banks. Affecting the source of bank income, increasing the difficulty of storage and storage, diverting customer groups, etc. Third, changes in business needs have led to changes in the bank's customer structure, profit model, and service methods. New models such as eco-finance and scenario finance have brought about Changes in business scenarios and business design, new generation customers use e-money and mobile payment technologies extensively. Changes in financial consumption habits make financial services more convenient, faster and customer experience. Fourth, information and financial security have become the focus of financial technology innovation. The weight.
2 distributed technology applications to set an example
In order to actively meet the above challenges and meet the requirements of rapid innovation and development of Internet finance business, Zhejiang Lianhe started the construction of network finance platform based on distributed technology in early 2016. Since its launch in April 2017, the platform has been running smoothly and efficiently, and the system construction has reached Expected target.
Speaking of the choice of technical route, Xu Yunfei, deputy director of the Development Center of Zhejiang Science and Technology Information Office, pointed out that in order to meet the typical business scenario requirements of online financial platforms such as spike, rapid business change and innovation, Zhejiang Lianhe clearly identified the key considerations of the core platform of network finance. The nine technical directions of service, message, cache, sub-table, application platform, and automatic operation and maintenance require technologies with high availability, scalability, security, portability, and high performance.
“It is no accident to adopt distributed technology. The traditional commercial technology and architecture of the banking industry has gradually transformed into an open, open source and distributed system architecture. It has become an inevitable trend. The transition from traditional architecture to distributed architecture is also an urgent need for bank survival and development. Ecological and scenario-based financial services have had a tremendous impact on core business areas such as bank payment, credit reporting, risk management, and wealth management. Internet technology has created a platform economy and a shared economy, and has also promoted innovation in financial service models. Accelerating the pace of technological transformation will face the fate of being eliminated. Going to IOE and independent and controllable IT strategy is an urgent requirement of China's financial security. The technical system characterized by x86 and open source is conducive to changing the long-term basic software and hardware of China's banking industry. The core technology relies entirely on the status quo of foreign manufacturers." Xu Yunfei said.
Practice has shown that distributed systems have become an important direction for future technology architecture. Zhejiang Lianshe has been at the forefront of the national agricultural credit institution in the exploration of this technology. Compared with other commercial banks, what are the characteristics of the construction platform of the core financial platform of rural credit institutions?
Xu Yunfei said that financial enterprises use a distributed architecture to build a core system. The difficulty lies in how to make open source technologies meet the requirements of the bank's core system for high reliability, consistency and security. To this end, in the choice of distributed technology components, Zhejiang Lianshe fully researched and adopted the technical strategy of "open source + independent research and development". In view of the current shortcomings of distributed open source software DUBBO, AcTIvemq, cache middleware, MySQL database, Zhejiang Lianhe has designed, modified and packaged the underlying source code, and independently developed process engine, sequence and batch components, control and deployment. Platform, application performance management platform, through the application-level compensation mechanism such as asynchronous messaging, asynchronous punch/replenishment, etc., to meet the final consistency of data, so as to meet the high performance, high availability, consistency, scalability, etc. of the core business system of the bank aims.
The most important feature of the construction of the IT system of the rural credit institution is to meet the management mode and product innovation needs of multi-level legal persons. Considering the difference in the level of regional economic development and the direction of demand in the corporate social business, Zhejiang Lianshe's network financial core platform has realized the use of visual interfaces through the introduction of shared service centers and product factories, and quickly meets the needs of legal entities. Product packaging, review and release of requirements, and integration of multi-channel products at the same time, providing customized cross-product assembly and sales, thus effectively reducing the custom development time of personalized products, the product launch cycle is shorter than the existing system 2 /3.
Xu Yunfei said that at this stage, the traditional core system of Zhejiang Lianhe mainly serves the counter channel and deposit and loan business. The core platform of network finance is oriented to the Internet-oriented channel, breaking through the physical medium and regional time and space restrictions, and can provide accounts, payments, assets, Integrated financial and non-financial functions such as liabilities, living expenses, e-commerce, and community. In terms of business and functional design, the core platform of network finance has interconnection and openness, builds a “customer-centered†service experience management platform, builds a network financial account system, builds a payment innovation platform, builds a service productization platform, and builds a digital operation management platform. Implementing architectural transformation, adopting cloud computing and other technologies, introducing big data technologies and establishing a big data service system and other eight characteristics.
3 technical support "1+4+4+4"
Zhejiang Lianshe network financial core platform is divided into three modules: front-end user access, background service processing, and associated system interaction. Its services are based on x86 open basic technology architecture, covering distributed services, message centers, cache centers, process engines, etc. .
Xu Yunfei summarized the technical key points of the platform, namely a large core guarantee, four core middlewares, four application components, and four major operations and maintenance tools.
A highly reliable database architecture is a core guarantee. The platform uses a MySQL database with a higher degree of integration with the distributed architecture, and builds a new database architecture as needed. The traditional database architecture is more based on the master-slave mode, and Zhejiang Lianhe uses the two-master and two-slave deployment methods in the MySQL cluster deployment by implementing two Binlogs on the two primary databases simultaneously. The two main servers Master and Shadow realize the real-time synchronization of the two server logs through their self-developed qlink software. When there is a problem with the Master server, the Shadow server can be quickly recovered through Binlog to ensure the continuity of external services. The database architecture also uses read-write separation technology. The Master server provides write services, the Shadow server and two slave servers provide read services, and can be switched freely according to actual conditions.
At present, the database cluster under this architecture has reached 200 concurrent users with QPS reading 200,000 and writing 30,000 measured data. The four core middlewares of services, messages, caches, and databases strengthen the database guarantee mechanism and form the core of the entire distributed technology. In order to facilitate rapid application development, the platform also builds four application components: process engine, configuration center, sequence component, and batch component. In the operation and maintenance aspect, four platforms including management and control platform, deployment platform, log platform and application performance management were built.
4 "Internet + Inclusive Finance" quickly landed
The core platform of network finance has achieved remarkable results in effectively reducing IT costs, improving development efficiency and business innovation capabilities.
First, to promote IT architecture optimization and transformation and upgrading, IT construction costs are significantly reduced, effectively reducing TCO. Compared with the traditional centralized architecture system purchase cost of more than 95 million yuan, the server acquisition cost based on the distributed architecture system is only more than 12 million yuan. After the system is deployed, the server equipment is reduced, which saves the physical space of the central equipment room. The equipment power consumption and cooling power consumption are significantly reduced. The UPS load in the central equipment room is reduced from 52% to 20%. The direct operation cost of the central equipment room is reduced, and other indirect expenses, such as the cost of equipment room renovation and equipment maintenance and repair costs, are also reduced accordingly.
Second, the platform architecture is huge, the business coverage is wide, and there are many application scenarios. The platform is divided into 21 subsystems, which can carry 15 million user volume, and initially formed a relatively complete shared service system. As of now, there have been more than 2,300 interactive services between systems.
The third is to enhance product mix and innovation capabilities, build omni-channel operational capabilities and online and offline collaborative marketing capabilities, product launch cycle is shortened by 1/2.
Fourth, the platform construction achieves the goal of high performance, high availability, scalability, and manageability. The performance of each system meets or exceeds expectations. For example, the customer system TPS exceeds 15,000, the database QPS reaches 200,000, and the write reaches 30,000.
Xu Yunfei said that during the project construction, especially the adaptive transformation process, the project team has a more comprehensive and deeper understanding of distributed technology, how to adapt the distributed technology originating from Internet applications to the characteristics of banking business, and distributed The principle and use of components have a deeper understanding and experience. During the implementation of the project, Zhejiang Lianshe trained a scientific and technological team with independent research and development strength, and developed 28 sets of perfect application standards and safety specifications, which laid a solid foundation for its IT transformation and upgrading.
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