新一代中小银行核心系统建设探索与实践
Exploration and Practice of Core System Construction of a New Generation of Small and Medium-Sized Banks

本研究探讨了新一代中小银行核心系统的建设与实践，分析了银行核心系统的发展阶段以及传统集中式架构向分布式架构转型的必要性。研究揭示了在数据膨胀与业务需求不断增长的背景下，分布式系统在提升系统扩展性和灵活性方面的优势。通过对某省级银行J和某城市商业银行B的实际案例分析，展示了标准化核心系统在中小银行中的应用效果及其对系统性能和业务创新的推动作用。研究还探讨了新一代中小银行核心系统的未来发展趋势，强调了技术演进、数据安全与隐私保护以及跨平台互操作性的重要性。最后，提出了银行核心系统未来发展的建议，以期推动银行业的持续进步。
This paper discusses the construction and practice of the core system of the new generation of small and medium-sized banks, analyzes the development stage of the core system of the bank and the necessity of the transformation from the traditional centralized architecture to the distributed architecture. The research reveals the advantages of distributed systems in improving system scalability and flexibility in the context of data inflation and growing business demands. Through the actual case analysis of a provincial bank J and a city commercial bank B, the application effect of standardized core systems in small and medium-sized banks and its promoting effect on system performance and business innovation are demonstrated. The study also explores future trends in the core systems of a new generation of small and medium-sized banks, highlighting the importance of technological evolution, data security and privacy protection, and cross-platform interoperability. Finally, the paper puts forward some suggestions for the future development of the core banking system in order to promote the continuous progress of the banking industry.