Tech Convergence, Intelligence Unlocks New Prospects——Guoxin Securities Financial Technology "14th Five-Year Plan" Report Card

From: Caixin

During the 14th Five-Year Plan, emerging digital technologies have flourished, and digital financial policies have become more in-depth and practical, jointly driving financial services toward intelligence, personalization, and inclusiveness. Against this backdrop, Guoxin Securities follows industry key plans such as the “14th Five-Year Plan for Technology Development in the Securities and Futures Industry” and the “High-Quality Digital Financial Development Action Plan,” guided by the “Guoxin Securities Financial Technology 14th Five-Year Strategy Plan,” deeply rooting the foundation of digital Guoxin technology. Using platformization as the implementation path, strengthening the core of the financial technology platform, driven by “Artificial Intelligence+” and “Data Elements×,” expanding service scenarios like branches and leaves, and utilizing industry-technology integration mechanisms as a closed-loop transformation, cultivating business value “fruits,” and promoting comprehensive digital transformation and upgrading of the company. The company’s financial service capabilities and operational management efficiency steadily improve, injecting strong momentum into the company’s efforts to excel in the “Five Major Articles” of finance.

Deeply rooted in the digital “foundation” to solidify the new infrastructure of digital finance

Guoxin Securities always places financial technology at a strategic high ground. The company’s 14th Five-Year strategic plan explicitly lists “technology-driven development” as one of the six core business lines. It systematically formulates the “Financial Technology 14th Five-Year Special Plan” and simultaneously releases the “Digital Transformation Work Plan,” increasing investment in financial technology funds and talent. During the 14th Five-Year period, Guoxin Securities’ annual IT investment grew from 812 million yuan to over 1.3 billion yuan, totaling nearly 6 billion yuan, with the IT staff size expanding from 450 to over 1,000, significantly enhancing independent R&D and technological innovation capabilities, providing strong support for strengthening IT infrastructure, system capacity expansion, and cutting-edge financial technology development.

In terms of IT infrastructure, the company has built an industry-leading IT technical foundation centered on “two locations and three data centers” intelligent cloud computing data centers. In 2021, it completed the “Hummingbird” cloud-native intelligent research and development platform, embracing cloud-native technology, managing the full lifecycle of business system needs, development, testing, and deployment; simultaneously, it created the full-stack cloud computing platform “Xinyun,” achieving “one cloud, multiple cores,” and seamless collaboration with business development. By 2025, the company has fully optimized the network architecture of the three data centers’ online trading zones and improved performance—firewall throughput has tripled compared to before the upgrade—further consolidating the information system operation foundation. To date, Guoxin Securities’ trading system has safely operated for over 7,500 days, continuously safeguarding business development.

Regarding technological R&D capabilities, the company has established a three-in-one R&D management system focusing on “value delivery,” “R&D support,” and “software architecture.” It has built a full-chain BizDevOps IT value delivery system, automating the entire process from demand analysis, development, testing, to business launch and operation support, promoting agile R&D to deeply extend to business agility, and efficiently transforming technological value into business results. Meanwhile, the “Qingtian” digital R&D platform has been fully developed to support company-wide unified architecture R&D, significantly improving system delivery quality and engineering efficiency, providing a solid foundation for large-scale, standardized R&D. At the architectural level, the company has carefully developed a series of R&D capability platforms, including low-code development platforms, integrated API collaboration platforms, and Zebra service governance platforms. Supported by these systematic technical platforms, the company has greatly enhanced rapid development and iteration capabilities, effectively responding to business needs and innovation.

Additionally, Guoxin Securities continues to push technological breakthroughs and innovation. During the 14th Five-Year period, the proportion of autonomous control of business application systems increased to 60%. Projects such as the “Hummingbird” cloud-native integrated research and development platform and the “Qingtian” digital R&D platform have won 10 provincial and ministerial awards including the People’s Bank of China’s Financial Technology Development Award, 8 municipal and district awards, and nearly 100 awards from various media and industry organizations; it has also obtained 12 patents and 60 software copyrights.

Strengthening the “main trunk” of the digital intelligence platform to unleash new momentum for steady development

Guoxin Securities continues to deepen its “platformization strategy,” continuously building core six major business middle platforms such as the intelligent algorithm middle platform, and comprehensively enhancing the capabilities of key technology platforms like artificial intelligence.

In terms of technical capability building, the company persistently develops a leading financial technology platform. It actively adopts new AI large model technologies, deploying multiple open-source large models, establishing an integrated compute cluster for leasing and purchasing, and pioneering the deployment of DeepSeek within the industry. It has created the industry-leading “Huixin” intelligent agent platform, forming a powerful AI system combining large and small models; simultaneously, it has built a data system covering collection, storage, computing, management, and application, transforming vast data into data assets. In 2023, it launched the enterprise-level “Polaris” data analysis platform, creating a comprehensive data empowerment system integrating strategic analysis, management enablement, and business insights.

In terms of reusability and empowerment of technology, the company has built six value-oriented business middle platforms. The product middle platform supports full lifecycle management of products; the information middle platform enhances information service capabilities and operational support; the trading middle platform provides smarter and safer trading tools for clients; the intelligent algorithm middle platform significantly lowers user barriers, optimizes trading strategies, and improves trading efficiency; the investment advisory middle platform develops AI digital humans and fund pool management capabilities, enabling efficient content production; the investment research middle platform builds enterprise-level intelligent investment research capabilities, supporting pre-investment, during-investment, and post-investment processes across various asset classes and research scenarios.

Notably, in 2024, Guoxin Securities will be the first in the industry to launch a new generation core trading system based on distributed architecture, with a trading latency of less than 500 microseconds and a hundredfold increase in concurrent processing capacity, supporting full-market, full-business, and all product trading, as well as 24/7 continuous service. This system not only fundamentally reshapes business processes and significantly enhances customer experience but also provides strong momentum for future stable growth and continuous innovation.

Expanding application scenarios to build a new ecosystem of smart finance

Supported by the financial technology platform, Guoxin Securities drives numerous high-value application scenarios with “Artificial Intelligence+” and “Data Elements×” as dual engines, focusing on business pain points.

First, it continuously deepens AI applications across various fields to enhance quality and efficiency. In wealth management, it launched the Xin Investment Advisor AI assistant, expanding the service radius of investment advisors by ten times; AI-powered digital humans improve video production efficiency by over 20 times; AI optimizes account opening processes, reducing document return rates by nearly 50%. In trading and research, over 50 intelligent algorithms address various trading pain points; more than 2,000 AI factors are used to develop smart trading strategies, strengthening market-making capabilities; AI pre-review of account information significantly improves asset custody operational efficiency; AI-based financial report analysis provides powerful support for research analysts. In investment banking, AI automates bank statement recognition and key information extraction, enabling intelligent verification of data authenticity and detection of related parties and suspicious transactions; business documents like bond issuance applications and business plans for specialized and innovative enterprises are generated automatically within minutes. In compliance and risk control, AI achieves over 90% accuracy in detecting abnormal transactions; in operations management, digital employees (RPA) combined with AI save over 920 human hours daily.

Second, it fully leverages data assets to unleash the multiplier effect of data elements. In decision-making, it enables core business and financial indicator visualization through management dashboards, greatly improving data utilization efficiency; in customer service, it builds comprehensive customer profiles to accurately perceive and dynamically respond to customer needs, providing personalized wealth management services; in compliance and risk control, it develops over 40 anti-money laundering monitoring data models, improving early warning effectiveness by over 20%; the risk control middle platform analyzes massive historical data to achieve 100% accurate early warning of bond defaults.

Fostering business innovation “fruits” and creating a new experience of high-quality services

Guoxin Securities always upholds the mission of “finance for the people,” actively implements national digital financial development requirements, and leverages financial technology to empower various business areas, creating a “new experience” for comprehensive financial services and building a high-quality development path.

For high-net-worth clients, in 2023, the Jin Taiyang 7.0 was launched with significantly enhanced functions and usability, upgrading intelligent wealth management services centered on clients; in 2024, it became one of the first in the industry to release the Guoxin Jin Taiyang Hongmeng native app, fully integrating into the Hongmeng ecosystem to meet the demand for high-quality financial services. By 2025, Guoxin Securities’ “Jin Taiyang App” will have fully integrated AI capabilities, completing a new user experience based on natural language interaction, and establishing an industry-leading scenario-based, intelligent customer service platform and operation system, laying a solid foundation for the next-generation smart investment service ecosystem.

For institutional clients, in 2022, it launched the self-developed “GTrade+” institutional trading platform, providing intelligent trading services; in 2023, it introduced the “Institutional Pass” service platform focused on institutional wealth management, covering the entire process of comprehensive financial services, offering more professional, efficient, and intelligent services. Currently, Guoxin Securities maintains industry-leading low-latency full-chain trading speed and has built a distinctive institutional comprehensive financial service brand matrix.

For corporate clients, in 2022, it optimized the “Qiming” comprehensive service platform for listed companies, providing full-process digital services including equity incentive management and shareholder transaction compliance; in 2023, it co-developed the “Specialized and Innovative Enterprise Service Platform” with the Ministry of Industry and Information Technology, offering integrated online services such as IPO assessment for innovative SMEs, helping improve financing efficiency; simultaneously, it continues to optimize investment banking management platforms and develop intelligent tools for investment banking, precisely enhancing the capital operation efficiency of growth-stage companies and the transformation of technological assets. By 2025, Guoxin Securities will have built a full lifecycle intelligent system covering the entire enterprise, focusing on “tech finance” and “green finance,” serving the real economy.

Looking ahead to the 15th Five-Year Plan, Guoxin Securities will take the achievements of the 14th Five-Year Plan in financial technology as a new starting point, aiming for “first-class technology, first-class application, first-class security, first-class innovation, and first-class management” as its strategic vision for fintech development. It will continue to deepen the technological “roots,” optimize the layout of computing and intelligent data centers, strengthen platform capabilities, and create a new cloud-intelligence integrated foundation; reinforce the core of digital intelligence, build enterprise-level service middle platforms covering customer and product profiling, research information, collaborative ecosystems, and leading trading capabilities; connect and coordinate “veins,” deepen the construction of a group-wide technological ecosystem integrating headquarters and subsidiaries, and co-develop an innovative ecosystem of industry-university-research-application; foster innovative “branches,” accelerate application breakthroughs driven by AI and data elements, build new capabilities of AI+HI, and establish new momentum for development driven by emerging technologies; focus on value “fruits,” centering on three major customer groups and internal users, evolve digital applications and products, strengthen customer service and experience, and create industry-leading intelligent digital applications. Fully promote the company’s leapfrog upgrade to digital intelligence, continuously craft warm and intelligent financial services, and solidly implement the “Five Major Articles” to contribute Guoxin strength to the building of a strong financial nation.