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On December 12, Fuqianla, an Internet financial cloud information technology service provider, held a media meeting on its 2018 strategic planning at Beijing Luolan Lake. The leaders of Fuqianla who attended the meeting included Feng Chao, founder and CEO of Fuqianla, Shi Xiaomu, chief technology officer, Zhou Xianlong, chief operating officer, Yang Leilei, marketing director, Bai Liming, commercial product director, Sun Man, financial platform director, and Feng Zhongqi, senior technical director of Fuqianla. At the event, media guests from all walks of life gathered together, and the leaders of Fuqianla shared with everyone the experiences and gains and losses of the company's development in 2017, and jointly looked forward to the vision and expectations for 2018.
Feng Chao, founder and CEO of Fuqianla, gave a speech
Empowering financial institutions - Financial cloud upgrades
In the past few years, Fuqianla has focused on developing its own financial technology access capabilities, including connecting to more third-party payment channels, improving the service level of fund custody business, accessing more abundant data sources to improve data acquisition and analysis capabilities, etc., which is more about the construction of single financial technology capabilities. Since 2017, Fuqianla has continuously made efforts to export technology to the outside world by integrating the rich financial technology capabilities accumulated in the past, fully empowering financial institutions and helping the vigorous development of Internet finance business in financial institutions.
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Sun Man, Director of Fuqianla Financial Platform, gave a speech
In 2017, Fuqianla actively carried out cooperation with various banks and other financial institutions to enhance its payment and settlement capabilities. It successively signed strategic cooperation agreements with Zhongbang Bank and Yilian Bank, and reached financial business cooperation with more than 40 financial institutions including city commercial banks, rural commercial banks, funds and securities companies in Changsha, Chongqing, Shenzhen and Xiamen.
In the same year, Fuqianla joined hands with Wuhan Zhongbang Bank to jointly create a new "Yinguantong" product, which solved the needs of p2p platform fund custody docking in one stop, and created a new model of independent custody and payment. At present, more than ten banks have reached custody cooperation intentions with Fuqianla, and more than 20 online loan platforms have embarked on the road of regulatory compliance through Fuqianla's fund custody products. In the future, Fuqianla will join hands with more commercial banks to provide excellent experience of fund custody services for high-quality online loan platforms, and promote the entire Internet financial market to move towards healthy and standardized.
At the same time, with the development of the industry, various e-commerce platforms are facing the urgent need to solve the problems of fund security, compliance and taxation. Fuqianla has begun to seek custody cooperation with banking financial institutions for e-commerce customers' funds, hoping to bring more customers and transaction volume to financial institutions while providing them with financial products and services such as investment and financing based on the platform's own use of funds.
At present, Fuqianla has completed the transformation from "financial capability input" to "financial capability creation", and has reached different levels of in-depth cooperation with major banks, funds and securities companies. In the future, Fuqianla will continue to innovate and strive to continue to deliver more powerful financial technology energy to financial institutions in the fields of fund custody, trust, insurance, equity financing, etc.
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Bai Liming, product director of Fuqianla Commercial, gave a speech
Helping enterprises realize financial monetization-upgrading comprehensive financial solutions
Based on its previous business development, Fuqianla has actively explored and dug deep into the needs of customers and their industries, providing customers with customized products and refined services. At the same time, it has leveraged the capabilities of empowering financial institutions to provide companies with comprehensive financial solutions, and has continued to innovate in traditional and emerging financial industries, with initial results now evident.
For example, in the P2P industry, in response to the fund supervision needs and credit risks faced by the industry, Fuqianla and Zhongbang Bank jointly launched the "Yinguantong" product, providing various services including fund custody, payment, and account system, and solving regulatory compliance and credit enhancement issues of banking and financial institutions in one stop. In the e-commerce industry, facing problems such as misappropriation of deposits, suspected "secondary clearing" compliance, and reasonable allocation of merchant surplus funds, Fuqianla created the product "Shangyitong", providing payment, enterprise-level "Alipay guarantee", investment and financing, clean accounting, account splitting and other services, solving the above difficulties in one stop. In the SaaS field, how can data information be quickly realized and how can it be perfectly combined with capital flow? How to improve the identification user experience? How to make SaaS services realize value-added through financial means? The above questions can all be answered through the comprehensive financial solutions provided by Fuqianla.
In addition, at the end of 2017, Fuqianla launched the "Used Car E-commerce Industry Solution". With its leading technological advantages and market insights, it accurately identified industry needs and provided used car e-commerce platforms with comprehensive solutions such as online transactions, accounting services, fund custody and financial services, thereby alleviating the operating burden of e-commerce platforms, reducing transaction costs, and helping platforms to easily conduct used car transactions.
Next, Fuqianla will continue to work closely with merchants to implement a business model of resource sharing, strong alliance, and mutual benefit and win-win.
Feng Zhongqi, Senior Technical Director of Fuqianla, gave a speech
Paying money to help financial technology grow
As of now, Fuqianla has cooperated with more than 100 financial institutions and quasi-financial institutions, with a cumulative daily transaction volume of more than 20 billion yuan, a payment peak of up to 10,000 transactions per second, and a total of more than 50,000 merchants served.
All these achievements are inseparable from the excellent technical level of Fuqianla itself. At present, the technical field of Fuqianla includes: microservice system, second-level monitoring and early warning, financial security, real-time computing, AI-driven, DevOps platform, native cloud, etc. The implementation plan of the microservice system consists of components such as the global configuration center, service registration and discovery, dynamic routing and load balancing, fuses and current limiters, unified gateways, isolation technology, elastic expansion and contraction, and intelligent monitoring center. In addition, for the business system, Fuqianla adopts
Multi-dimensional monitoring of networks, hosts, middleware, and businesses truly achieves second-level monitoring and early warning, ensuring that when unexpected failures occur, they can be discovered and resolved in the first place, minimizing the scope of the failure's impact. At the same time, in the most important financial security, Fuqianla is based on multi-dimensional risk classification, strictly guarding against business security, system security, network security, and data security, preventing security accidents from happening, and comprehensively ensuring financial security. Specifically, business security prevention includes risk control, accounts, merchants, payments, and transactions; system security prevention includes accounts, patches, security reinforcement, etc.; network security prevention includes DDoS attacks, DNS hijacking, XSS attacks, injection attacks, CSRF attacks, firewalls, vulnerability scanning, etc.; data security prevention includes data storage, transmission, encryption, and key management.
Adhering to the principle of "craftsmanship" and striving for excellence, Fuqianla always pays attention to industry trends and constantly improves its own technical level. Facing the general trend of the development of artificial intelligence, Fuqianla takes the initiative to embrace AI, solve business problems intelligently, realize intelligent operation and marketing, intelligent monitoring, intelligent risk control, and provide intelligent solutions.
Feng Chao, CEO of Fuqianla, said that in 2018, Fuqianla will continue to adhere to the core value concept of "technology makes finance simpler", use the advantages of resources, information and channels to provide customers with higher quality products and more complete services, and constantly pursue the common development of customers, partners and enterprises. At the same time, he hopes that all media guests will continue to support Fuqianla and put forward valuable suggestions.
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