The deep integration of the digital economy and financial services has made data a core production factor for banks. In line with national digital economy development, financial digital transformation, and independent construction of financial infrastructure, CBHB has anchored its core goal of "activating data element value and building a solid foundation for financial digital operations." By deeply implementing the "Five Major Articles of Finance," the bank has systematically advanced its lakehouse architecture project. CBHB's second-generation data warehouse system and data lake system have completed construction and ecological upgrades, marking the official launch of its independently built financial-grade lakehouse data infrastructure.
Breaking Traditional Architecture Constraints with Four-Dimensional Innovation
Traditional bank data architectures have long suffered from reliance on specific hardware and software technologies, data silos across multiple engines, and inefficient data flow. These issues not only limit the value of financial data but also pose risks to business continuity and customer data privacy. CBHB, guided by the national strategy for independent control of key financial information infrastructure, has overcome multiple technical constraints of traditional data systems, achieving breakthroughs in four dimensions: domestic substitution, heterogeneous data interoperability, full-chain data governance, and business scenario enablement.
Full-Stack Domestic Substitution to Strengthen Financial Infrastructure Security
Adhering to the principle of full independent control, CBHB has strictly complied with data security and personal information protection requirements, completely eliminating reliance on foreign commercial database technologies. The project introduced advanced cloud-native architecture and pioneered the use of bare-metal native architecture for deploying the data lake, achieving 100% domestic substitution from underlying hardware and middleware to upper-layer data platform software. This has built a secure, controllable, and reliable financial-grade data infrastructure, fully supporting core banking operations such as deposits, loans, credit risk control, and regulatory reporting, while providing a standardized path for peers to build their own infrastructure.
Cross-Platform Architecture Breakthrough to Enable Heterogeneous Data Interoperability
To address the common industry challenge of multiple, independent heterogeneous data platforms with inefficient data flow and high cross-system collaboration costs, CBHB innovatively resolved technical bottlenecks in trust authentication and protocol adaptation across multiple heterogeneous clusters. This has enabled efficient data exchange between diverse systems, significantly improving data exchange efficiency. The approach reasonably adapts to various domestic construction paths in the banking sector, promoting free data flow, efficient sharing, and value realization within the bank.
Full-Chain Data Governance to Activate Financial Data Asset Value
Leveraging the lakehouse architecture, CBHB has established a standardized enterprise-level data model system, enabling standardized and refined financial data governance. The bank has also developed an intelligent data model quality verification tool and established a regular model post-evaluation mechanism, systematically improving the quality of the bank's data assets.
Empowering Smart Finance Across Multiple Domains for High-Quality Development
With the lakehouse data infrastructure fully operational, CBHB's data service capabilities have been comprehensively upgraded. Building on this, the bank continues to enhance data management and strengthen the empowering role of data, allowing all business areas and lines to use data freely and securely. In risk management, the bank's fund flow credit information sharing platform was among the first in the industry to pass Credit Reference Center acceptance and go live. In treasury management, the capital management system is empowered to operate with precision, accurately adapting to macro-regulatory policies, market volatility, and internal management needs, thereby strengthening capital risk resilience. In regulatory compliance, the bank supports the "One Table Report" initiative, unifying data reporting standards and standardizing regulatory data output. In business services, it supports autonomous data usage across all 34 branches, achieving 100% data service penetration.
The full establishment of CBHB's financial-grade lakehouse data infrastructure marks a significant milestone in its deep dive into financial digitalization and independent technology innovation. It offers stable, mature, and replicable industry value. More importantly, through this project, CBHB has successfully cultivated a composite talent team integrating business, technology, and data, building internal momentum for sustained digital transformation and high-quality development. Looking ahead, CBHB states it will continue to use independent innovation as its core engine, deeply implement national digital economy and financial transformation strategies, deepen business-technology integration, and continuously enhance technology empowerment. With solid fintech strength supporting the real economy, the bank aims to write a new chapter in the high-quality development of "digital finance."