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Pursuant to the Proposal for 2022 Restricted Stock Incentive Plan (Draft) of Zhejiang Supor Co., Ltd. and Its Summary (hereinafter referred to as "2022 Stock Incentive Plan") deliberated and approved in the First Interim General Meeting of Shareholders 2022 via deliberation held on September 21, 2022, the Company was to grant 1,332,500 restricted shares to incentive objects, and repurchased 1,332,500 share capital successfully during the period from May 31, 2022 to July 31, 2022. The Company granted 1,253,500 shares at a price of RMB 1 per share on October 12, 2022.
The incentive plan for the year of 2021 is valid for 4 years from the date of completion for the registration of the restricted stock granted, of which: the sales restriction periods shall be 24 months and 36 months respectively from the date of completion for the grant registration. If the conditions for lifting the restriction are met, the restricted shares shall be lifted in two phases, that is, upon expiry of 24 months and 36 months from the date of completion for the grant registration, for 50% and 50% of the total restricted shares applied for restriction lifting, respectively. As of December 31, 2022, the remaining period of the above incentive plan is 3.08 years.
The incentive plan for the year of 2022 is valid for 4 years from the date of completion for the registration of the restricted stock granted, of which: the sales restriction periods shall be 24 months and 36 months respectively from the date of completion for the grant registration. If the conditions for lifting the restriction are met, the restricted shares shall be lifted in two phases, that is, upon expiry of 24 months and 36 months from the date of completion for the grant registration, for 50% and 50% of the total restricted shares applied for restriction lifting, respectively. As of December 31, 2022, the remaining period of the above incentive plan is 3.86 years.
The 12th Session of the Seventh Board of Directors adopted the Proposal on Repurchasing and Canceling a Part of Restricted Stock. For disqualification of three Incentive Objects due to their resignation, the Company has repurchased and canceled 24,000 shares of Restricted Stock at the price of RMB 1 per share.
2. Equity-settled share-based payment
Determination method for fair value of equity instruments on grant date| According to the market price on the grant date
 Determination method for the optimal estimate of the number of equity instruments expected to vest| Based on the corresponding equity instruments of incentive targets, the performance of the Company and the forecast of future performance of the Company
 The significant difference between this period estimate and last period| None
 Capital reserve accumulated due to equity-settled share-based payment|54,847,235.98
 Total expenses incurred due to equity-settled share-based payment transactions|54,847,235.98
Note 1. According to the 2021 Annual Incentive Plan approved by the Third Interim General Meeting of Shareholders held on December 30, 2021, on January 6, 2022, the Company granted 1,209,500 shares of the Company repurchased in 2021 to incentive targets, with the grant price of RMB1.00 per share, decreasing the treasury shares by RMB 76,159,897.25, which reverse the share capital premium RMB 52,997,061.77 and the insuffient part reverse undistributed profit at the beginning of the year of RMB 21,953,335.48. At the same time, the company confirmed the stock repurchase obligation and increased treasury shares by RMB 1,209,500.00.
According to the 2022 Stock Incentive Plan adopted on the Company's First Interim General Meeting of Shareholders in 2022 on September 21,2022, the Company repurchased 1,332,500 shares of its own stocks for the plan through centralized competitive bidding with self-owned capital, adding RMB 69,398,019.65of treasury shares. On October 12, 2022, the Company granted 1,253,500 shares to the incentive object at a grant price of RMB 1.00 per share, with a decrease of treasury share value of RMB 65,668,429.65, and reverse undistributed profit at the beginning of the year of RMB 64,414,929.65. At the same time, the company confirmed its stock repurchase obligation and increased its treasury stock by RMB1,253,500.00.
2. The impact of 2021 Equity Incentive Plan on the capital reserve is RMB 0 at the beginning of the period, and with an accrual of RMB40,084,396.00 in the year, amounting to an accrued amount of RMB 40,084,396.00.
The impact of 2022 Equity Incentive Plan on the capital reserve is RMB 0 at the beginning of the period, and with an accrual of RMB 14,762,839.98 in the year, amounting to an accrued amount of RMB 14,762,839.98.
XIV. Commitments and Contingencies
1. Contingencies
(1) Significant contingencies at the balance sheet date
Contingent liabilities arising from pending litigation and arbitration and their financial impact
In 2016, a non-governmental patent holder filed a lawsuit to the subsidiary Shaoxing Supor in the name of infringing its patent. In 2020, the relevant patents have been declared invalid by the Patent Reexamination Board of the State Intellectual Property Office, so the litigation risk decreased. This case has not been settled yet. Based on the principle of conservatism, the Company still retains an estimated liability of RMB 5.15 million (December 31, 2021: RMB 5.15 million) on December 31, 2022. In 2020, export customers filed legal proceedings against Shaoxing Supor, a subsidiary, on the grounds of user disputes. This case has not been settled yet. Based on the principle of conservatism, the Company still retains an estimated liability of RMB 4 million (December 31, 2021: RMB 4 million) on December 31, 2022. In 2021, export customers filed claims for quality problems against Shaoxing Supor, a subsidiary, on the grounds of user disputes. This case has not been settled yet. Based on the principle of conservatism, the Company still retains an estimated liability of RMB 2 million (December 31, 2021: RMB 2 million) on December 31, 2022.
Contingent liabilities formed by financial guarantee and their financial impact
The Group signs tripartite acceptance agreements with distributors and banks, and the Group provides financing guarantee for the banks to issue bank acceptance bills to the distributors. In the event that the Group endorses and assigns an acceptance bill obtained by the Group, and if the distributor fails to repay the difference between the security and the amount of the acceptance bill after the maturity of the acceptance bill, the Group will bear part of the loss of the difference that the bank has not recovered from the distributor. As at December 31, 2022, the risk exposure undertaken by the Group was RMB 298,088,343.35 (December 31, 2021: RMB 317,459,647.06). and the estimated liabilities accrued by the Company under the financial guarantee contracts for the risk exposure amounted to RMB 1,490,441.72 (December 31, 2021: RMB 1,587,298.24).
(2) A statement shall be given even if the Company has no significant contingencies to disclose.
The Company has no significant contingencies to disclose.
XV. Events after the Balance Sheet Date
1. Profit distribution situation
According to the profit distribution plan for 2022 adopted at the 19th Session of the Seventh Board of Directors of the Company on March29, 2023, profit distribution is made based on the 805,116,907 shares at the end of 2022 (total capital stock of 808,654,476 shares at the end of2022 deducted by 3,537,569 shares of repurchased shares in the Company’s special stock repurchase account), a cash dividend of RMB 30.30(tax-inclusive) per 10 shares is distributed to all shareholders, and the total cash dividend is RMB 2,439,504,228.21. No bonus share will be distributed or conversion from capital reserves to share capital is made this year. The undistributed profits of parent company at the end of the reporting period were RMB 4,331,212,701.66, including the dividends to be distributed, i.e., RMB 2,439,504,228.21.
During the period from the disclosure of this profit distribution plan to the actual implementation date, if the Company's share capital changes due to conversion of convertible bonds into stocks, share repurchases, equity incentive exercise, and refinancing and new share listing, it will be executed based on the changed share capital, and the above distribution ratio remains unchanged.
This profit distribution plan shall be submitted to the Annual General Meeting of Shareholders for 2022 Fiscal Year for approval after adopted by the Board of Directors.
XVI. Other Important Matters
(1) Determination basis and accounting policy of report segment
The Group establishes operating segment according to internal organizational structure, management requirement and internal report system; determines report segment and disclose segment information based on Operating Segment.
Operating Segment refers to the Group's organization meeting following conditions: (1) The organization can yield income and cost in daily activity; (2) The Group's management can appraise operating result of the organization regularly, so as to allocate resources on a targeted basis and evaluate its performance; (3) The Group can obtain financial condition, operating result, cash flow and other relevant accounting information of the organization. Two or more operating segments, which have similar economic characteristics and meet a certain condition, can be combined into an operating segment.
The preparation of branch reports is conducted with the revenue of trans-branch transaction measured at the actual transaction price. The accounting policy for branch report preparation is consistent with that used in Supor's financial statement.
The Group, with main product focused on cookware and SDA (small domestic appliances) in kitchen, establishes report segment based on product and geographic segments and assets and liabilities shared by product segments is unable to be clearly distinguished.
(2) Financial information of reportable segments
Item| Cookware| Electrical products| Others| Inter-segment offsetting| Total
 Revenue from main business|6,190,244,720.49|13,817,030,898.77|150,594,465.35|210,561,092.56|19,947,308,992.05
 Cost of main business|4,383,104,883.51|10,474,846,879.11|132,486,379.43|210,635,554.12|14,779,802,587.93
(3) Other explanations
2Geographic segment
Information on the Group's income from external transactions and non-current assets (excluding financial assets and deferred income tax assets, the same below) by region is shown in the following table. Income from external transactions is divided according to the location of customers who receive services or purchase products. Non-current assets are classified as per the physical location of the assets (for fixed assets and construction in progress) or the location where they are allocated to related business (for intangible assets) or the location of joint ventures and associated enterprises.
Item| Domestic| Foreign| Inter-segment offsetting| Total
 Revenue from main business|14,796,684,166.65|5,164,864,945.22|14,240,119.82|19,947,308,992.05
 Cost of main business|10,474,351,714.07|4,319,025,358.69|13,574,484.83|14,779,802,587.93
 Non-current asset|2,049,752,240.36|75,295,429.00|117,033,788.09|2,008,013,881.27
3Major customers
Among the Group's customers, one customer (2021: 1) whose revenue from a single customer accounted for 10% or more of the Group's total revenue was related party SEB S.A. and its subsidiaries, accounting for approximately 23.18% (2021: 30.94%) of the Group's total revenue.
XVII. Notes to Items of Parent Company Financial Statements
1. Accounts receivable
Categories| Closing balance||||| Opening balance||||
| Book balance|| Provision for bad debts|| Book value| Book balance|| Provision for bad debts|| Book value
| Amount| Proportion| Amount| Provision proportion|| Amount| Proportion| Amount| Provision proportion|
 Including:||||||||||
 Accounts receivable for provision for bad debts mad on the basis of portfolio|385,536,357.78|100.00%|10,937,615.03|2.84%|374,598,742.|770,159,019.26|100.00|27,825,217.2|3.61|742,333,8020
 Including:||||||||||
 Portfolio1: age portfolio|312,435,311.86|81.04%|10,880,503.86|3.48%|301,554,808.|695,510,017.57|90.31|27,765,218.2|3.99|667,744,7993
 Portfolio2: low-risk portfolio|57,111,169.92|14.81%|57,111.1|0.10%|57,054,058.7|59,998,991.48|7.79|59,998.99|0.10|59,938,992.
 Portfolio3: merged related parties portfolio|15,989,876.00|4.15%|||15,989,876.0|14,650,010.21|1.90|||14,650,010.
 Total|385,536,357.78|100.00%|10,937,615.03|2.84%|374,598,742.|770,159,019.26|100.00|27,825,217.2|3.61|742,333,8020
Provision for bad debts made on the basis of portfolio:
Name| Closing balance||
| Book balance| Provision for bad debts| Provision proportion
 Within 1 year|312,435,311.86|10,880,503.86|3.48%
 Total|312,435,311.86|10,880,503.86|
Ages| Book balance
 Within 1 year (including 1 year)|385,526,579.20
1-2 years (including 2 years)|9,778.58
 Total|385,536,357.78
Categories| Opening balance| Amount of changes in current period|||| Closing balance
|| Accrued| Collected or reversed| Written off| Others|
 Provision for bad debts for accounts receivable|27,825,217.23|-16,887,602.20||||10,937,615.03
 Total|27,825,217.23|-16,887,602.20||||10,937,615.03
(3) Accounts receivable details of the top 5 closing balances by debtors
Entity name| Closing balance of accounts receivable| Proportion in the total closing balance of accounts receivable| Closing balance of provision for bad debts
 SEB S.A. and its subsidiaries|312,211,857.11|80.98%|10,927,415.00
 Customer L|35,367,082.13|9.17%|35,367.08
 Wuhan Supor Cookware|12,117,280.87|3.14%|
 Customer M|8,273,346.36|2.15%|8,273.35
 Customer N|4,328,326.19|1.12%|4,328.33
 Total|372,297,892.66|96.56%|
Item| Closing balance| Opening balance
 Other receivables|1,174,381,191.82|1,845,295,351.20
 Total|1,174,381,191.82|1,845,295,351.20
Nature of receivables| Ending book balance| Beginning book balance
 Deposit as security|111,458.00|
 Fund pool|1,172,087,133.42|1,844,438,348.07
 Temporary payment receivable|2,860,673.12|1,439,315.12
 Personal deposit|339,400.93|356,338.04
 Total|1,175,398,665.47|1,846,234,001.23
Provision for bad debts| Phase I| Phase II| Phase III| Total
| Expected credit loss in future 12 months| Expected credit loss in the entire duration (without credit impairment)| Expected credit loss in the entire duration (credit impairment)|
 Balance on January 1, 2022|938,650.03|||938,650.03
 Balance on January 1, 2022 in the current period||||
 Withdrawal in the current period|78,823.62|||78,823.62
 Balance on December 31, 2022|1,017,473.65|||1,017,473.65
Disclosure by ages
Ages| Book balance
 Within 1 year (including 1 year)|1,174,443,084.02
1-2 years|45,000.00
2-3 years|9,332.27
 Over 3 years|901,249.18
4-5 years|5,000.00
 Over 5 years|896,249.18
 Total|1,175,398,665.47
Categories| Opening balance| Amount of changes in current period|||| Closing balance
|| Accrued| Collected or reversed| Written off| Others|
 Provision for bad debts of other receivables|938,650.03|78,823.62||||1,017,473.65
 Total|938,650.03|78,823.62||||1,017,473.65
Entity name| Nature of receivables| Closing balance| Ages| Proportion in the total closing balance of other receivables| Closing balance of provision for bad debts
 Zhejiang Supor Electrical| Fund pool|472,915,525.15| Within 1 year|40.24%|
 Wuhan Supor Cookware| Fund pool|422,093,926.95| Within 1 year|35.91%|
 Hainan Supor E-commerce Company| Fund pool|108,998,818.36| Within 1 year|9.27%|
 Omegna| Fund pool|69,855,503.61| Within 1 year|5.94%|
 Shanghai WMF| Fund pool|59,032,256.42| Within 1 year|5.02%|
 Total||1,132,896,030.49||96.38%|
Item| Closing balance||| Opening balance||
| Book balance| Impairment provision| Book value| Book balance| Impairment provision| Book value
 Investment in subsidiaries|2,763,861,746.90||2,763,861,746.90|2,948,542,538.52||2,948,542,538.52
 Investments in associates and joint ventures|62,156,208.65||62,156,208.65|65,419,057.50||65,419,057.50
 Total|2,826,017,955.55||2,826,017,955.55|3,013,961,596.02||3,013,961,596.02
(1) Investments in subsidiaries
Invested unit| Opening balance(book value)| Increase/decrease|||| Closing balance(book value)| Closing balance of impairment provision
|| Investment increased| Investment decreased| Accrued impairment provision| Others||
 Wuhan Supor Pressure Cooker|240,428,244.41|||||240,428,244.41|
 P&R Products|20,804,297.92|||||20,804,297.92|
 Yuhuan Sales Company|2,990,149.81|||||2,990,149.81|
 Zhejiang Supor Electrical|770,267,854.79|7,115,779.00||||777,383,633.79|
 Shaoxing Supor|639,411,908.49|7,430,650.00||||646,842,558.49|
Supor Vietnam|105,143,165.64|||||105,143,165.64|
 Wuhan Recycling|1,000,000.00|||||1,000,000.00|
 Omegna|10,000,000.00|||||10,000,000.00|
 Shanghai Marketing|5,000,000.00|||||5,000,000.00|
 Wuhan Supor Cookware|598,253,566.39|4,801,477.00||||603,055,043.39|
 SEADA|11,890,622.45|||||11,890,622.45|
 Shanghai WMF|50,000,000.00|206,659.00||||50,206,659.00|
SSEAC|212,152,728.62||212,152,728.62||||
 Zhejiang WMF|100,000,000.00|2,179,399.00||||102,179,399.00|
 Zhejiang Supor LKA|100,000,000.00|648,199.00||||100,648,199.00|
 Shaoxing Supor Housewares|50,000,000.00|4,519,526.00||||54,519,526.00|
 Supor Water Heater|31,200,000.00|||||31,200,000.00|
 Hainan Supor E-commerce Company||570,248.00||||570,248.00|
 Total|2,948,542,538.52|27,471,937.00|212,152,728.62|||2,763,861,746.90|
(2) Investments in associates and joint ventures
Investing unit| Opening balance (book value)| Increase/decrease|||||||| Closing balance (book value)| Closing balance of impairment provision
|| Investment increased| Investment decreased| Investment profit or loss recognized by equity method| Adjustment in other comprehensiv income| Changes in other equity| Cash dividend/profi declared for distribution| Accrued impairment provision| Others||
 I. Joint Venture|||||||||||
 II. Associated Enterprise|||||||||||
 Wuhan Anzai Cookware Co., Ltd.|65,419,057.5|||-3,262,848.85||||||62,156,208.6|
 Subtotal|65,419,057.5|||-3,262,848.85||||||62,156,208.6|
 Total|65,419,057.5|||-3,262,848.85||||||62,156,208.6|
4. Operating incomes and costs
Item| Amount incurred during this period|| Amount incurred during prior period|
| Revenue| Cost| Revenue| Cost
 Main business|2,302,742,532.78|1,935,093,847.17|2,725,835,212.58|2,362,901,800.69
 Revenue from other operations|61,817,745.45|54,008,950.20|102,659,846.65|97,824,871.55
 Total|2,364,560,278.23|1,989,102,797.37|2,828,495,059.23|2,460,726,672.24
Contract classification| Total
 Commodity type|
 Including:|
 Cookware and utensil|2,301,287,440.30
 Other domestic appliances|63,272,837.93
 Classified by business area|
 Including:|
 Domestic sales|465,944,081.10
 Export sales|1,898,616,197.13
The revenue corresponding to the performance obligations under signed contracts and pending for fulfillment or not completely fulfilled at the end of the current reporting period is RMB 2,796,093.48. Among them, RMB 2,796,093.48 is expected to be recognized in 2023.
Item| Amount incurred during this period| Amount incurred during prior period
 Investment income from long-term equity investments under the cost method|1,618,952,576.25|5,106,240,651.28
 Income from long-term equity investments under the equity method|-3,262,848.85|1,378,149.04
 Loss from disposal of subsidiaries|-62,518,037.73|
 Interest from term deposit|34,428,058.56|73,053,105.12
 Investment income from disposal of transactional financial assets|1,534,045.79|
 Investment income of debt investment during the holding period|7,443,923.15|3,571,557.46
 Total|1,596,577,717.17|5,184,243,462.90
1. Breakdown of non-recurring profit or loss in the current period
Item| Amount| Notes
 Profit or loss on disposal of non-current assets|-1,189,107.57|
 Government subsidies included into the current profits and losses (except those that are closely related to the Company's normal business operations, comply with national policies and regulations and continuously available according to certain standard quota or quantity)|199,599,828.51|
 Enterprise restructuring costs, such as expenses for employee placement and integration costs|-527,780.73|
 Except the effective hedging business related to the normal operation of the Company, profits and losses from fair value changes caused by the held transactional finance assets and transactional financial liabilities, and investment income acquired from disposal of transactional financial assets, transactional financial liabilities and available-for-sale financial assets|24,264,345.88|
 Other non-operating incomes or expenditures except for the foregoing items|9,796,376.97|
 Minus: influenced amount of income tax|52,414,885.25|
 Influenced amount of minority shareholders' equities|67,216.12|
 Total|179,461,561.69|--
Profit of the reporting period| Weighted average return on net assets| Earnings per share|
|| Basic earnings per share(RMB/share)| Diluted earnings per share(RMB/share)
 Net profit attributable to shareholders of ordinary shares|27.89%|2.565|2.564
 Net profit attributable to shareholders of ordinary shares after deducting non-recurring profit or loss|25.47%|2.343|2.341
3. Financial Data Difference on Principle of Domestic and Oversea Accounting
(1) Net profit and net assets discrepancies in financial statements disclosed separately under International Accounting Standards and Chinese Accounting Standards
(2) Net profit and net assets discrepancies in financial statements disclosed separately under Overseas Accounting Standards and Chinese Accounting Standards
(3) The reason of accounting data difference under domestic and foreign accounting standard shall be explained. If the data audited by the foreign audit organization carries out the different adjustment, the name of foreign organization shall be indicated.
Chairman: Thierry de LA TOUR D'ARTAISE
神州数码信息服务股份有限公司
二0 二三年三月
作为一家从事数字技术服务超过三十年的公司,神州信息一直非常关注世界创新技术的发展和变革。二十一世纪以来,世界最前沿的科技从发明创造到大规模商业应用的周期越来越短,这让我们对全球科技进步的脉动和节律充满了敬畏,我们因人类科技跨越所感受到的震撼,从未像今天这样深刻和令人动容。人类文明的跨越发展本质上依赖认知革命,伴随数字孪生与数字原生世界的构建,数字世界与现实世界之间的互动已经带来新一轮认知革命,人类正在步入数字文明的全新纪元。自成立以来,神州信息走过了许多个经济周期,经历了国家社会巨大的变迁,向客户提供的产品和服务也不断升级扩容,这些归根结底都源于科学技术的每一次进步与跃迁。今天,数字技术带领我们进入新的文明,数字经济将从无数个方面重塑甚至颠覆我们生活的世界,中华民族的伟大复兴也将从中获得巨大的创新动力。
建立数字经济时代的世界观,我们要从数据的分析和应用层面重新认识世界。数字化的本质是通过数据科学认识客观世界,大规模的数据挖掘可以揭示世间万象的规律并帮助我们科学决策,各种数据模型则通过显化不同变量之间的关系为我们预测未来的趋势和变化。数字化的内核在于不断推动数据资产的积累
和深度应用,支撑企业的业务敏捷化和快速迭代,并利用数据资产持续滋养新的业务,构建新的增长飞轮。未来已来,在数字化建设已经形成涵盖从顶层设计到产业政策等多层级推进体系的今天,具有中国特色的
数字文明于我们已不再是遥远缥缈的想象。在今天的商业语境下,数字化转型已不仅仅是企业巩固护城河、获得发展先机的一个手段,更是每个组织都必须完成的必修课,是在数字化掀起价值链重构的浪潮下,企业立于不败之地的关键一步。
2022 年1 月,国务院印发《“十四五”数字经济发展规划》以来,数字经济建设从顶层设计到科研创新和应用实践都酝酿出诸多产业机遇。2023 年2 月,国务院出台的《数字中国建设整体布局规划》更是为我们描绘出到2035 年,具有中国特色的数字化国家的生活图景,以及数字中国建设的“2522”整体框架布局。今天,我们面临世界变局加快演变、国内经济波动等多重考验,产业数字化和数字产业化作为支撑数字经济发展的关键路径,已经开始释放巨大的产业活力和商业潜能。随着我们对数据要素市场的探索不断深入,将为公共数据和商业数据价值的流通与分配形成高效公平的场域,激活万千数字经济实体的创新活力。通过这些路径,数字技术将与经济、政治、文化、社会、生态文明建设“五位一体”深度融合,不仅为我们建立起繁荣稳定的数字经济现代市场体系,还将促进国家的现代化进程,在数字时代构筑起国家竞争体系的有利优势。
从传统的数据网络到今天的云、数据模型、人工智能以及超算中心,神州信息提供的解决方案从各个维度满足了客户的数字化需求。在我们服务过的诸多行业中,金融行业在技术实力、资源禀赋、应用需求和创新能力等诸多方面都具备其他行业无法比肩的数字化转型动力和数字化发展潜能。特别是银行机构,作为我国金融行业的压舱石,承载法人和个人主体大量的金融服务数据,安全性高、隐私保护好,同时全面对接社会各产业,具备了在数字经济体系内成为枢纽型平台的基础,这将为银行在数字经济时代打开全新的发展局面。今天,中国银行业的数字化转型已迈向世界前列,在神州信息的发展战略全面向金融科技聚焦的关键时期,服务以银行客户为主的金融数字化转型成为我们“数字化中国”企业使命中全新的时代命题。
习近平总书记在中共中央政治局第十三次集体学习中指出“金融要为实体经济服务,满足经济社会发展和人民群众需要”,“经济是肌体,金融是血脉,两者共生共荣”。银行体系的数字化是数字文明时代更好地服务实体经济发展、助力中国式现代化达成的必然要求,将给各个行业带来引领示范和带动效应,全面助力数字产业化和产业数字化进程。数字化转型也是银行重塑核心竞争力、适应新时代、打开全新发展空间、实现资产规模和市值规模扩张的必由之路。银行作为重要的资产管理机构,若能深入实体经济的数据场景进行数据资产管理服务,将极大拓展其资产管理的规模,进而打开十倍、百倍的增长空间。数字经济为银行业的爆炸式增长创造契机,也对银行的数字化能力提出了挑战。
行业的变革常发轫于幽微但颠覆于巨流,只有领先的认知与眼界才能让我们在时代巨轮上驾驭技术和商业模式的迅速变化。神州信息作为金融行业领先的数字化转型合作伙伴,长期秉持以理念领先、技术领先和实践领先服务客户,支持我们的客户与伙伴在数字化转型浪潮中占得先机。神州信息深刻理解数字时代技术范式的变革,为国内银行提供数字化转型的通用技术架构体系,为此我们推出了以“数云融合”为技术特性的第五代未来银行整体架构体系ModelB@nk5.0,帮助银行应对数字化转型挑战。
构建于ModelB@nk5.0 基础上的数字化转型架构体系是银行的领先理念的整体架构:首先,该架构为银行明确了商业场景链接、中台建设、数据资源积累和组织管理升级等关键方面的数字化建设路径,助力银行进行产业数联、智能化经营以及组织和业务边界拓展;其次,通过全生命周期的旅程化服务,该体系帮助银行构建以数据资产为核心的服务能力。例如在场景融合的服务延伸方面,ModelB@nk5.0 帮助银行客户
构建融合物理网点、线上平台和场景融合的一体化产融结合服务体系,更好地开展生态场景的链接和服务。第三,在规划银行内部支撑数字化转型的基础设施建设方面,我们协助客户尽快完成向云基础设施的迁移,构建高可靠性和弹性的多云管理平台。同时,该架构基于银行对数据资产管理的需求提出银行技术、业务和数据中台的重构模式,满足业务敏态创新的需求,保证安全性和可靠性。