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In 1995, it was a starting point for the Chinese Internet story: Zhang Shuxin founded Qi Haiwei and Ma Yun in 1955 to make up the Chinese Yellow Pages. Tian Xinning and others founded AsiaInfo to build China's first commercial Internet backbone network ChinaNet. ... After that, whether it was Taobao, Baidu, Jingdong, or later Xiaomi, WeChat... China Internet relied on the “demographic dividend†and quickly emerged as a platform economy. After more than two decades of barbaric growth, China has become a "network power" and the world's second largest economy. The Chinese story will continue to be staged, but the story has reached a turning point.
Perhaps the story of the Internet 2.0 era is not too much thrilling, but it must be lively and unique. If the story of this era is also summarized into one or two keywords, it is "data dividend" or "technical dividend", the protagonist is no longer an Internet company, but a variety of industries. New bonuses unlock new business opportunities, and industries will enter the era of innovation and entrepreneurship. A recent report shows that 64% of companies have become explorers and practitioners of digital transformation.
Today, the story I want to tell is closely related to everyone - the credit industry. Credit reporting is a service that objectively records people's past credit information and helps predict future compliance. Although China's credit reporting era is relatively late, its development is very rapid. At present, personal credit reporting not only plays a role in loans, but also various types of products linked to credit reporting. The level of credit scores also affects the convenience of people's food, clothing, housing and transportation. "To maintain your personal credit history as you cherish life," this sentence is regarded as the truth by more and more people. Similar to enterprises and organizations, according to the statistics of the China Banking Regulatory Commission, the number of small business credits is 3.988 million, accounting for only 9.5% of the total number of SMEs, resulting in a large number of enterprises unable to obtain loans due to lack of financial credit records. This situation is expected to change with the birth of a new credit information platform.
Like other industries, innovative technologies such as cloud computing, big data, and AI are revolutionizing the credit industry around the world. Pengyuan Credit Rating Co., Ltd. is a credit rating agency with more than 20 years of experience and the first personal credit information company in the country. The core subsidiary invested in 2016 - Shenzhen Qianhai Pengyuan Data Technology Co., Ltd. (hereinafter referred to as 'Peng Yuan Data '), is trying to use big data and artificial intelligence means to solve the problem of financing difficulties and financing for SMEs through technological innovation of credit rating, and solve the problem of building a first big data bond risk warning platform and assisting financial institutions in China. The problem of overloaded information asymmetry is the first innovation platform for testing water smart control services.
Technology replacement starts from the "cloud"
Today, when it comes to technological innovation, seeking growth and efficiency in technology, it is inseparable from the "cloud." On the one hand, traditional enterprises are entering the cloud, and “enterprise on the cloud†is entering the fast lane; on the other hand, for Pengyuan data, which is initially positioned as a technological innovation, Shangyun has naturally become a must. question.
Peng Yuan Data CEO Zhang Zhiying
According to Zhang Zhiying, CEO of Pengyuan Data, when other companies are still talking about “key business on the cloud†and “part of the business on the cloudâ€, when the company was prepared in 2015 and the company was founded in 2016, Pengyuan’s data was directly positioned. "Comprehensive business on the cloud," although the company did not even have a server at the time. He said that the reason for this kind of "radical" decision at that time was that, in addition to thinking that the future of the big data era will come, cloud services will be the future trend, and based on business scenarios and traditional industry pain points, traditional The pain points are mainly reflected in the following three aspects:
First of all, in the past, the judgment of a company's credit, financial statements and other resource problems lag behind;
Secondly, the frequency of once a year is very low;
Again, the lack of credit data and the lack of data latitude, the difficulty of integrating multi-party data.
Using big data to reconstruct the credit evaluation system, Zhang Zhiying believes that it is necessary to solve the pain points of the business through cloud technology. "At present, there are more and more information systems of enterprises, and we use a lot of computing power through cloud computing. And the ability to process and analyze this information efficiently with real-time information processing, the benefits of distributed processing and data security for cloud services are important to our business."
The power of the wilderness growing on the "black land"
If the "cloud" is a mandatory question, then the "who's cloud" is a multiple choice question.
Zhang Zhiying’s team summed up a set of selection criteria, the first of which was “serviceâ€. Compared with other cloud vendors' services, online compared to online services, Huawei Cloud has offline services in addition to online services. What surprised Zhang Zhiying was that after contacting Huawei Cloud, the other party immediately came to face-to-face explanation. "I realized that Huawei's service is really good. After considering the regional level and judging the capabilities of Huawei Cloud and R&D investment, we are confident that we can put our business on Huawei Cloud."
In fact, the preferred Huawei cloud not only includes multinational corporations and large enterprises, but many small and medium-sized enterprises and entrepreneurs like Pengyuan Data have become fans of Huawei Cloud. The reasons for attracting these "fans" can be summarized as: "good service", "ability", "powerful". Zheng Yelai, vice president of Huawei and president of Cloud BU, said at an event in June that Huawei's cloud revenue increased by 700% year-on-year, and partners increased by 45% in the first half of the year. In the first half of 2018, the cloud market added 872 new applications, and Huawei cloud software development service DevCloud has 90,000 developers online.
These eye-catching data are in stark contrast to the doubts that Huawei announced in 2017 to enter the public cloud market. The reason for questioning is nothing more than the different path for Huawei to cut into the track: At that time, some companies that started to make cloud computing were cut in from the Internet, and Huawei cut in from hardware and traditional industries. This way of cutting in just fits the Internet 2.0 era. First of all, as I said before, the protagonist of the 2.0 era is no longer an Internet company but a variety of industries. Secondly, Huawei believes that cloud computing is a form of service delivery. It delivers the original product and "box" to customers and turns it into a cloud service. In the final analysis, it is from chip to hardware to The whole life cycle of the system design is realized in another way.
Huawei Cloud compares its positioning to the "black land" and "base" of the smart world. In this technology-driven wave, Huawei Cloud's "base" and "black land" also mean that Huawei Cloud will play a role in helping each line. The role of the digital transformation of all industries, adhering to their own boundaries, Huawei Cloud "three no" is well known in the industry - no application, no data, no equity investment. Being so strict with the boundaries can be said to be a maverick in the giants. “It’s more appropriate to earn some hard money and earn fast money. We can’t earn well and we can’t earn it.†Zheng Yelai said at the Beijing 2020 China trip to Beijing Station, “So Huawei’s cloud creates black land and lets all walks of life The industry grows here and becomes the most solid base for corporate innovation."
Business prosperity under technical inclusion
Whether a technology can be inclusive is a major criterion for its existence value. However, relying on artificial intelligence to make the characteristics of the technology "inclusive" more extensive and in-depth. This niche technology, which was previously only available to artificial intelligence scientists, is now gradually lowering the threshold so that even people who don't understand the code can use it. Putting artificial intelligence technology into a "simple tool" is the direction Huawei is working hard. In June 2012, Huawei established the mysterious "Noah's Ark Lab" and began to invest in AI basic research and algorithm research. One of the important tasks is to identify the entire artificial intelligence technology application scenario. Ren Zhengfei repeatedly emphasized internally: "The key lies in application". "To make complex scenes simple and correct, you have to do it." So, "Let AI be high and not expensive, and create an artificial intelligence platform that is "available, well used, and safe to use" is Huawei Cloud. determination. The Pratt & Whitney AI advocated by Huawei Cloud is the tool that enables AI to become an industry enabler, that is, “industry + AIâ€, not a simple “AI+ industryâ€.
After the industry + AI, you can form a smart body. The author uses the example of Huawei Cloud EI traffic agent in cooperation with “Shenzhen Traffic Police + Huawei Cloudâ€. The core of the problem is the collaborative intelligent management of traffic lights and intersections, because the intersection efficiency of traffic lights is very important for improving urban traffic control. One intersection is a The agent adjusts the traffic light control strategy in real time according to the traffic congestion situation. Each intersection becomes intelligent, and a traffic artery becomes intelligent.
In order to try to improve the travel experience of the densest city in Shenzhen, the test at Shenzhen Longgang Putian Base is not only based on historical statistics, but also real-time sensory optimization, real-time perceptual optimization of regional synergies, and Constantly based on the changes in reality, continuous improvement and continuous evolution. The most intuitive performance: every day, the green light of the most blocked intersections is more. There are many similar examples, including the application of Huawei Cloud EI Industrial Agent in the industrial field.
For Pengyuan data, Zhang Zhiying used the words "future can be expected" when he talked about the future prospects. He said that he will continue to adhere to the strategic thinking of cloud thinking and cloud storage, and look forward to growing together with Huawei Cloud to build an EI agent for the credit industry and apply AI to the big data risk control platform. "In the future, It can truly provide intelligent, intelligent risk-controlled services to investors in financial markets."
The inclusiveness of technology will undoubtedly open up unlimited possibilities for the commercial prosperity of all walks of life, and Huawei Cloud also demonstrates its sincerity and strength with its own actions. The Chinese story of the Internet 2.0 era will surely culminate.
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