基因突变的金融恐龙 插图/虾小仙 Gene mutation of financial dinosaur illustration/shrimp little fairy

　　? 马明哲对一切新事物都充满好奇，他是平安的超级科技迷 ? Mr Ma to all the new things are full of curiosity,He is safe super fans of science and technology

　　? 平安要像汇丰那样，3000多个机构执行同样的标准，并永远讲究效率 ? Peace will be like as HSBC,More than 3000 agencies perform the same standard,And always pay attention to efficiency

　　从上海浦东陆家嘴(600663,股吧)环路1333号的中国平安(601318,股吧)金融大厦向东，沿着龙东大道，大约40分钟车程，就能到达张江银行卡产业园。视线好的时候，远远就能看见一幢88米高的哥特式钟楼，那是平安集团张江后援中心的标志性建筑，也是整个张江卡园的地标。

From Shanghai pudong lujiazui(600663,guba)Loop number 1333 Chinese peace(601318,guba)Financial building to the east,Along the LongDong avenue,About 40 minutes,They can reach zhangjiang bank card industrial park.Good line of sight,Far can see a building 88 meters high gothic tower,It is peace group zhangjiang backup center landmark building,But also the zhangjiang card park landmark.

　　钟楼经过风水高人设计，从顶层的电梯里出来的时候，要先迈左脚，寓意财源滚滚。电梯对面是一面巨大的百叶窗，取自财不封顶。从钟楼往下望去，东南两条纵横交叉的小河里，一共放着8驾水车，不停歇地把水从外向内抽过来。这些水车曾经引起附近几家银行的抗议，他们认为水车把整个园区的财气都抽到平安去了。

Clock tower after feng shui master design,From the top of the elevator came out,Must first Wallace left foot,Implies a good fortune.The elevator is a huge shutter,From the wealth not capped.Look down from the tower,Southeast of the two aspect cross the stream,Put a total of 8 coming water wheel,Everytime the water from smoking inside extroversion come over.The waterwheel had caused a few Banks near the protest,They think that the whole park water wheel type both smoke to go to the peace.

　　钟楼的东西两侧，是两组U型欧式建筑，38层不等，中间以拱桥相连，大块的米字型草地、喷泉、小广场，看起来这里一点也不像整个平安集团的科技中心，反倒像是个欧洲的庄园。

The things on both sides of the clock tower,Is two groups of U European architecture,38 layer inequality,Among with arch bridge connected,Chunks of m type lawn/fountain/Small square,Look here a little like the peace group's science and technology center,But like a European manor.

　　平安集团董事长马明哲的办公室就在钟楼西南方的写字楼里。走进马明哲的办公室，宽大的办公桌上摆着一台苹果iMac电脑，桌上干净得没有一张纸。去年1月的一个下午，平安集团的常务副总经理顾敏在这里和马明哲聊天，顾敏在平安负责数据运营、渠道发展以及创新业务。两个人谈论的主题是互联网，这是近两年马明哲最感兴趣的话题，在成功地凭借IT技术打通整个平安的综合金融之后，他希望再进一步，用科技直接为平安创造出新的业务模式。

Peace group chairman Mr Ma's office is in the southwest of the clock tower in the office.Mr Ma walked into the office,The desk of the wide placed the iMac one apple computer,The table clean have no a piece of paper.In January of last year to an afternoon,The peace group the standing deputy general manager GuMin here and Mr Ma chat,GuMin in peace is responsible for data operation/Channel development and innovation business.Two people talking about is the theme of the Internet,This is nearly two years Mr Ma most interested in the topic,In successfully with IT technology through the whole peace after comprehensive financial,He wants to go further,Use science and technology for peace directly create new business model.

　　马明哲聊到了要做一个类似于天猫那样的金融平台。顾敏随后开始分析这个想法的可行性，8个月后，平安投资4亿元人民币创办了陆金所（陆家嘴国际金融资产交易市场股份有限公司），一个利用互联网技术的网络投融资平台，一面为中小企业提供融资渠道，一面为个人投资理财。陆金所成立之初由美国人计葵生(Gregory D.Gibb)担任董事长。陆金所现在有一款小额贷款产品和一款信托产品。45岁的计葵生现在担任平安集团副总兼集团首席创新业务执行官，曾经主管麦肯锡大中华区的金融业务，而且担任过台湾台新金融控股公司的运营官，在金融创新、银行等领域经验丰富。他告诉《商业周刊/中文版》，陆金所的目标是做成一个“网上金融超市”。

Mr Ma to chat to do a similar to the day a cat that financial platform.GuMin then began to analyze the feasibility of the idea,Eight months later,Peace investment is 400 million yuan RMB started LiuJin have(Lujiazui international financial assets transaction market co., LTD),A use of the Internet technology network investment and financing platform,One side for small and medium-sized enterprises to provide financing channels,One side for personal investment management.LiuJin is established by the United States at the beginning of the JiKui born(Gregory D.G ibb)As chairman.LiuJin have now is a small loan products and one trust products.45 years old now JiKui born as a peace group deputy and group chief innovation business executive,Once the competent McKinsey greater China financial business,And served as Taiwan new financial holding company's operating officer,In the financial innovation/Fields such as bank experience.He told[Business week/Chinese version],LiuJin the goal is to make it a"Online financial supermarket".

　　这样的情景不止一次。马明哲提出前瞻的或者说是很疯狂的想法，顾敏把这些模糊的概念“翻译”成能和当下科技潮流连接起来的东西；然后丰富成为一个完整的业务模式，搞清楚成功需要具备的要素；再去找到合适的人去做这件事情，并且确保这个团队明白马明哲想推动的方向。

Such a sight more than once.Mr Ma put forward a forward-looking, or crazy ideas,GuMin put these fuzzy concept"translation"Into the trend of science and technology and connecting things;Then the rich become a complete business model,Make clear success requires elements;To find the right man to do it,And make sure the team understand Mr Ma wants to promote direction.

　　马明哲对一切新事物都充满好奇，他是平安的超级科技迷。平安集团品牌宣传部总经理盛瑞生说，马明哲几乎比平安绝大多数人都更早用微博，也最早用上了微信，对微信这种带一点私密性的社交网络工具用得特别溜。另外，他也很可能是第一个把黑莓(Black Berry)手机的移动应用引入中国金融机构的人。

Mr Ma to all the new things are full of curiosity,He is safe super fans of science and technology.Peace group brand publicity department general manager ChengRuiSheng said,Mr Ma almost peace than most people earlier with micro bo,Were also the first to use the micro letter,To the micro believe this take a bit of illicit close sex social network tool use special slip.In addition,He also is likely to be one of the first blackberry(Black berry)The movement of the mobile phone application in Chinese financial institutions of the people.

　　那是2004年，平安正准备在香港上市，马明哲带队到欧美路演。在机场候机时，他总是看到同行的高盛投行的人在不停地拨弄手机。手机除了拿来打电话和发短信，还有什么好玩的吗？马明哲好奇地问。高盛的人举着手中的黑莓说，在网上看公司发的会议资料及处理文件。

That was in 2004,Peace is preparing to listed in Hong Kong,Mr Ma led to the European and American road shows.When in the airport,He always see the Goldman sachs investment bank counterparts in kept fiddling with mobile phone.Except for mobile phone call and send text messages,What fun?Mr Ma curiously ask.Goldman sachs people for the hands of blackberry said,Look on the net of the company sends the material and processing documents.

　　彼时，中国刚刚结束一场抗击“非典”瘟疫的“战争”，很多公司曾经一段时间鼓励和允许员工在家远程办公。平安公司当时也采取过这种模式，困扰他们的是有很多会议、文件签署不能实现远程处理。看到高盛投行人的工作方式，马明哲在机场就打电话给公司负责科技的罗世礼问，黑莓在中国能不能用？罗世礼告诉他不行，因为中国的运营商还不支持黑莓的移动电子邮件服务。但马明哲实在太喜欢这种可以移动办公的手机了，就要求罗世礼想想其他办法。最后，平安给每个高管配了香港的手机号码，在内地漫游使用黑莓。刚开始有些高管不习惯移动办公，仍拿着纸质文件让马明哲签字，马明哲直接拒绝签字。

At the,China has just finished a fight"SARS"plague"war",Many companies have a period of time encourages and allows employees at home telecommuting.Peace the company was also take this mode,Trouble them is a lot of meetings/File sign can't realize remote processing.See Goldman sachs for pedestrian way of working,Mr Ma at the airport and make a phone call to the company is in charge of science and technology LuoShiLi asked,Blackberry in China can use?LuoShiLi told him no,Because China's operators also does not support blackberry mobile electronic mail services.But Mr Ma is like this can move the office phone,Requires LuoShiLi think of other ways.finally,Peace to every executives with the Hong Kong cell phone number,Using a blackberry roaming in the mainland.Just began to some executives are not used to mobile office,Still holds the paper document let Mr Ma signature,Mr Ma directly refuse to sign.

　　到了2006年5月，中国移动和黑莓的生产商加拿大RIM公司签署合作协议，在国内用黑莓的成本降低了。平安立刻在全国的A类和B类干部中配备黑莓，并且开发了内部的黑莓应用系统。至今，平安还有1万多员工在用黑莓手机作移动办公工具。

In May 2006,China mobile and blackberry manufacturers RIM Canada signed a cooperation agreement,In the country with blackberry cost reduced.Peace immediately in the national class A and class B cadres, equipped with blackberry,And to develop the internal blackberry application system.So far,There are more than 10000 employees in peace with blackberry and mobile office tools.

　　2009年苹果发布iPad后，马明哲又要高管们尝鲜。时任平安集团执行董事、副总经理的王利平曾拿着iPad给记者介绍平安的人力资源结构，53岁的王利平用起iPad并不适应，但她说没办法，“因为马总（马明哲）要求必须用。”

2009 years after the release iPad apple,Mr Ma and delicious jabuticaba Popsicle executives.The peace group executive director/Deputy general manager of the WangLiPing once took iPad give reporters introduces human resources structure,53 years old with the WangLiPing iPad does not adapt to the,But she said no way,"Because MaZong(Mr Ma)Requirements must use."

　　马明哲对科技的浓厚兴趣始于什么时候，已经难以说清。但“科学技术是第一生产力”这句话想必在他心里留下深刻的烙印，这个著名论断由邓小平在1988年9月5日第一次提出，随后在全国广为传播。这一年的5月27日，马明哲创办的平安保险公司在深圳蛇口招商北路六栋的一楼正式开业，第一年的收入是522万元。

Mr Ma on science and technology, strong interest begins with what time,Has been difficult to tell.but"Science and technology is the first productive force"This sentence is in his heart must have left a deep imprint,This famous judge by deng xiaoping in September 5, 1988 is put forward for the first time,Then in the national disseminate.This year, May 27,,Mr Ma founded ping an insurance company in shenzhen shekou merchants road north of the building 6 officially opened on the first floor,The first years of income is 5.22 million yuan.

　　24年过去，平安从蜗居蛇口一角的小保险公司，发展成横跨保险、银行、投资的综合金融集团，总资产2.6万亿元，员工数从最初的13人增加到17.5万名正式员工及49万名寿险业务员。这种崛起背后有诸多推动力，但科技是绝对无法忽略的核心之一。用顾敏的话说，如果不是用IT技术打通了各个专业公司，平安就仍然只是一家投资了很多金融机构的公司，而不是一个综合金融集团。

Over the past 24 years,Peace from humble abode shekou in the corner of the small insurance company,Develop into across the insurance/The bank/Investment comprehensive financial group,Total assets of 2.6 trillion yuan,Number of staff from the original 13 people increased to 175000 staff and 490000 life insurance salesman.This rise has many impetus behind,But technology is absolutely can't ignore one of the core.With GuMin words,If not use IT technology through the various professional company,Peace is still only an investment many financial institutions company,Rather than a comprehensive financial group.

　　在平安集团2011年年薪排名第四的顾敏常有不安，这种不安来自于比尔?盖茨曾经的断言，“银行将成为21世纪遭到灭绝的恐龙”。“不，还不仅仅是这个！”顾敏说，“我最怕的是移动互联时代看不见的科技DNA。”顾敏说，他怕神秘莫测的科技力量会把一成不变的金融系统变成一座废墟。

In the peace group 2011 salary the fourth GuMin often uneasy,This anxiety from bill?Gates once the assertion,"The bank will become the 21st century were extinct dinosaur"."Don't,Not only is this!"GuMin said,"I am most afraid of is mobile Internet age invisible technology DNA."GuMin said,He's afraid of mysterious power of science and technology will be invariable financial system into a ruin.

　　2012年8月，由阿里巴巴集团、腾讯集团、平安集团共同出资成立一家基于互联网的金融公司的消息被确认。平安集团副总经理顾敏正是此项目的经办人之一，他在接受《商业周刊/中文版》记者采访时确认：“不是我们找的他们，牵头的不是平安。”那么，就是阿里巴巴或腾讯这两家互联网皇亲贵胄在寄情金融王子了。

In August 2012,By alibaba group/Tencent group/Peace group set up a joint investment based on Internet financial company's news was confirmed.Peace group deputy general manager GuMin is one of the objective agent,He told[Business week/Chinese version]A reporter to interview confirmation:"Is not what we are looking for them,Lead is not peace."so,Is alibaba or tencent the two Internet near-royalty nobles in lovemaking financial the prince.

　　“和过去十年的科技升级截然不同，移动互联的出现已经完全改变了消费者的行为，之前都是利用科技在已有的业务模式上创造新价值，但现在我们觉得是时候让科技来创造新业务模式。”顾敏说，他的紧张来自移动互联、大数据、云计算等科技隐形人的挑战。

"And over the past ten years of science and technology upgrade entirely different,The emergence of the mobile Internet has completely changed the consumer behavior,Before is the use of technology in existing business model to create new value,But now we feel it is time to make science and technology to create new business model."GuMin said,His nervous from mobile Internet/Large data/Cloud computing technology, such as invisible challenge.

　　从1988年平安保险创立到1996年，平安的IT建设与其他公司没什么区别，以单机和数据库的简单应用为主。但1997年引入麦肯锡后，平安的路子开始截然不同，引入了小型机、搭建大型数据库系统，尽管当时的电信网络价格贵质量差，但平安坚持全国联网。这一步领先了其他保险公司五六年，直到2002年，国内一些大型保险公司的业务数据传递还需要通过电话或者纸质，而平安到1998年就推出了国内第一个远程核保系统。

From 1988 to 1996 in ping an insurance founded,Peace IT construction and other company nothing to distinguish,With single and database's simple application is given priority to.But in 1997 after introducing McKinsey,Peace way began to entirely different,Introduced minicomputers/Build large database system,Although the telecom network price your quality is poor,But peace adhere to the national network.This step leading other insurance company five or six years,Until 2002,Some domestic large insurance company's business data transfer need through the telephone or paper,And peace to 1998 launched the first national remote underwriting system.

　　既然河上有桥，为什么还要摸着石头过河？马明哲经常这么对平安的同事说，他一直热衷于为平安请外脑，利用国外已经成熟的经验。平安对科技的重视，来自于马明哲引入的第一个外脑——麦肯锡咨询公司。1996年，马明哲请麦肯锡为平安制订综合金融的整体规划，当时麦肯锡已经为全球超过一半的大保险公司做过咨询服务。今年39岁的顾敏那时候还是个年轻小伙子，随上司张子欣一起为平安“诊断”。张子欣曾经是麦肯锡的全球合伙人，拥有剑桥大学的信息科技博士学位，后来担任了平安集团的总经理。

Since the river bridge,Why crossing the river by groping the stone?Mr Ma often so to peace colleague said,He has been eager to please analyze peace,Utilize overseas have mature experience.Peace to the attention of the science and technology,From Mr Ma introducing first outside brain - McKinsey, a consultancy,.In 1996,,Mr Ma please McKinsey for peace make comprehensive financial overall planning,When McKinsey has for the global more than half of the large insurance company advisory services.This year at the age of 39 GuMin at that time was a young man,Along with the boss ZhangZiXin together for peace"diagnosis".ZhangZiXin was McKinsey global partners,With Cambridge university of information science and technology doctoral degree,Later served as general manager of the peace group.

　　在一份编号为PIO008的方案中，张子欣和顾敏详细描述了平安应该如何看待科技，提出平安应该利用IT技术，实现数据库的集中。为了做好IT建设，马明哲又从香港盈科保险请来了金融IT专家严日昌。严日昌担任过香港友邦保险、安泰保险和盈科保险的高级IT经理，2000年7月，他为平安设计了中国内地第一个统一的电话中心(Call Center)，这个电话中心设在苏州，有300名员工。这种做法被视为疯狂之举，当时中国内地从来没有这种全国统一的电话中心。但现在Call Center早已成为金融机构的基本配置。如今，平安Call Center的员工达到3.5万人。

In a Numbers for PIO008's plan,ZhangZiXin and GuMin detailed descriptions of the peace should be how to treat science and technology,Puts forward peace should take advantage of IT technology,To realize the centralized database.In order to complete the construction of IT,Mr Ma and the Pacific insurance from Hong Kong, a financial IT experts, yan chang.Yan chang, served as a Hong Kong company, limited (aia)/Antaeus insurance and the Pacific insurance senior IT managers,In July 2000,He designed for peace in mainland China the first unified phone center(Call center),The call center is located in suzhou,There are 300 employees.This kind of practice is regarded as an crazy,At that time the Chinese mainland have never the national unified phone center.But now Call center has already become the basic configuration of financial institutions.now,Peace Call center staff to reach 35000 people.

　　通往成功的路并不平坦。对IT兴致盎然的马明哲在2001年遇到了一次大挫败。2000年8月18日，平安上线了一个投资2亿元的网站PA18.com，由张子欣和顾敏等人负责。PA18整合了平安在保险、证券、信托投资等领域的线下资源，试图发展成一个网上金融超市。

The road to success is not smooth.For the IT interested in ideas of Mr Ma in 2001 met a big frustration.On August 18, 2000,Peace on-line an investment of 200 million yuan RMB web site PA18.com,By ZhangZiXin and GuMin, responsible for.PA18 integrate the peace in insurance/securities/Trust and investment and other areas of offline resources,Trying to develop into an online financial supermarket.

　　马明哲宣称，PA18将是平安差异化战略的核心，要保证平安在未来十年、二十年始终保持竞争优势。当时正是国内的互联网泡沫期，打造一个时髦的IT概念包装上市是热门的做法。与PA18几乎同时成立的还有泰康人寿的泰康在线和太平洋保险(601601,股吧)的太保网。

Mr Ma claims,PA18 will be peace differentiation strategy core,To ensure the peace in the next ten years/Twenty years remain competitive advantage.It was the domestic Internet bubble period,Build a modern IT concept packaging listed is popular practice.And PA18 was almost at the same time also the taikang life taikang online and Pacific insurance(601601,guba)The boyz network.

　　梦想走得太远的结果，就是一夜绚烂，然后迅速凋谢。2001年上半年，由于找不到成熟的模式，平安将PA18重新收缩为集团的业务部门，原有的300名员工缩水为40名，随后很快烟消云散，员工四散到平安的各个部门。

Dreams go too far results,Is night always,Then quickly fade.In the first half of 2001,Unable to find the mature model,Peace will PA18 to contraction for the group's business department,The original 300 employees shrink for 40,And then quickly vanish into thin air,Employees in every sector of the disperse to peace.

　　曾经担任PA18副总裁的顾敏说，今天看来，PA18失败的最大原因是脱离了业务的实际需求。但他认为PA18也推动了平安内部的科技变革，加快了内部IT基础设施的升级和数据的集中，而且让高管们都意识到要去想怎样把科技用起来。出自PA18的员工后来分散到平安各个子公司的电子商务部门，就像分出去的细胞，带动起整个集团科技基因的裂变。最重要的是，经过PA18的疯狂尝试，平安后来可以包容各种异想天开的尝试和设想，因为“再怎么疯狂，也比不上PA18”。

PA18 served as vice President's GuMin said,Today it seems,The biggest reason is PA18 failure from the actual demand of the business.But he thinks PA18 but also promote the internal peace technological change,Accelerate the internal IT infrastructure upgrades and the concentration of data,And let executives are aware of going to think how to use science and technology up.From the PA18 staff then spread to peace each subsidiary electronic Commerce Department,Like points out of the cell,Drive up the whole group technology gene fission.The most important thing is,After PA18 crazy trying to,Peace then can embrace all whimsical try and imagine,because"How again crazy,Also compare with PA18".

　　2002年，平安引入了第二个外脑——汇丰集团，汇丰带给平安的最大礼物，是标准化的服务和运营管理的后援集中——用IT技术把前台营业厅的大量工作集中在一起，实现标准化和流程化的后台支持和数据运营。这也为汇丰带来丰厚回报，今年11月19日，汇丰宣布计划出售所持有的全部平安股份，汇丰是平安最大股东，截至2011年底持股15.58%。彭博社的报道称，这笔股份价值92亿美元，而汇丰自2002年开始对平安的总投资不超过16亿美元。

In 2002,,Peace into the second, analyze the HSBC group,HSBC bring the greatest gift of peace,Is standardized service and operation management of backup focus - use IT technology the front desk business hall's a lot of work concentrates in together,To realize standardization and routing background support and data operation.This also for HSBC bring rich rewards,November 19,,HSBC announced plans to sell their shares all the peace,HSBC is the largest shareholder of peace,By the end of 2011 15.58% shareholding.Bloomberg reports,The stock is worth 9.2 billion dollars,And HSBC since 2002, he began to total investment of peace does not exceed $1.6 billion.

　　2002年10月8日，上海静安大厦，137岁的汇丰与14岁的平安签署了股权认购协议。其时想入股平安的还有慕尼黑再保险公司、日本第一生命等国际巨头，平安选择汇丰的理由，在于它是其最佳学习对象。汇丰是少数几个成功的全球性综合金融集团，难能可贵的是，它是从上海和香港的小银行起家，二战后通过收购兼并，成为全球首屈一指的综合金融集团。

On October 8, 2002,Shanghai jing an building,The 137 - year - old HSBC and the peace of 14 signed equity subscription agreement.Its contribution to the peace and Munich reinsurance companies/Japan's first life and other international giant,Peace choose HSBC's reason,Is that it is the best learning objects.HSBC is one of the few successful global comprehensive financial group,Valuable is,It is from Shanghai and Hong Kong up small Banks,After the second world war, through the merger and acquisition,Become the world's leading integrated financial group.

　　2002年11月25日，平安和汇丰签订为期6年的技术援助协议，马明哲后来给时任汇丰集团董事局主席庞约翰写信称，平安要像汇丰那样，3000多个机构执行同样的标准，并永远讲究效率。标准和效率的关键，就是后援集中。

November 25, 2002,Peace and HSBC sign for six years of technical assistance agreement,Mr Ma later to the HSBC group chairman of the board PangYaoHan write says,Peace will be like as HSBC,More than 3000 agencies perform the same standard,And always pay attention to efficiency.Standard and efficiency of the key,Is backing concentration.

　　本世纪初的国内保险业，后援集中还是一个陌生的名词。平安当时的模式和其他公司一样，所有的后台业务分散在全国各个分支机构进行操作，在超过300个城市都有运营后台，缺乏规模效益，而且各地和各业务线的运营服务标准差异极大。

At the beginning of this century domestic insurance,Backup concentration or a strange nouns.Peace was pattern and other companies,All the background business spread all over the country operate branches,In more than 300 cities have operation background,Lack of scale benefit,And each district and the business line operation service standard difference greatly.

　　2002年到2003年，平安分几批将中高层领导派往汇丰在巴西的后援中心考察，2004年正式启动后援集中项目，要把传统泾渭分明的保险、证券、信托、银行等打通，用统一的后台为前线提供支持和服务，马明哲自己担任总负责人，顾敏具体负责。为了推进后援集中，马明哲写信给平安所有的A类干部阐述其价值，他甚至在平安集团2004年新年祝辞中宣布，推进后援中心建设和大后援体系的流程再造是仅次于IPO的重大战略项目。

From 2002 to 2003,Flat volatile several senior leadership will be sent to HSBC in Brazil's backup center investigation,In 2004, after the official start backup centralized project,The traditional entirely different insurance/securities/trust/Banks get through,With unified background for the front line to provide support and services,Mr Ma himself as general person in charge,GuMin specifically in charge of the.In order to promote backup concentration,Mr Ma write to peace all the class A cadre explains value,He even in the peace group in 2004 New Year announcement in elegance mixed with fragrance,Propulsion backup center construction and large backup system process reengineering is the important strategic project after IPO.

　　马明哲对后援集中的构想是，所有不需要和客户接触的业务都集中到统一的后台，包括保险的核保、理赔、风险控制、人事、财务等等，实现流程化、标准化和工厂化，前台的业务员只需要专心做好销售和客户服务。

Mr Ma to backup centralized idea is,All don't need and customer contact business is focused to unified background,Including insurance underwriting/claims/Risk control/personnel/Financial, etc,Realize routing/Standardization and factory,The salesman just need to concentrate on the sales and customer service.

　　当年9月17日，平安在张江的后援中心开建，2006年5月正式投入使用。在这期间，平安在张江临时租借了一个场地，作为后援集中的临时办公点。根据《大道平安》的描述，这个办公地点“地方小，人多，进了办公区就像是进了大网吧，冬天连空调都不用开，电脑CPU散出来的热量就够了，甚至两个人共用一张桌子”。

When September 17,,Peace in the backup center zhangjiang open built,In May 2006 formally put into use.During this period,Peace in the zhangjiang temporary loan a site,As a backup concentration of temporary BanGongDian.According to[Avenue peace]Description of,The office"Place small,many,Into the area like into the big Internet cafe,Even in the winter air conditioning all need not open,The computer CPU scattered out of the heat is enough,Even two people sharing a table".

　　后援集中意味着对平安做一个流程再造，从马明哲和顾敏在张江的2号楼8楼的办公室下来，走到U型楼的另一端，经过一个咖啡厅，就到了平安在张江的后援职场，近千平米的大开间里，墙上和柱子上贴满了各种规范和考核标准，以及后援中心的各种业务能手的照片。从前走到后可以看到文档作业部、稽核作业部等标识，人坐得不满，有些工位空着，平安的陪同人员解释说，很多人搬到别的地方去了。由于上海的电费、人力成本日益增高，平安在四川等地陆续建了新的后援中心。

Backup focus means to make a peace process reengineering,From Mr Ma and GuMin in zhangjiang tower 2 8 floor office down,Walk to U the other end of the floor,After a coffee shop,Came to peace in the zhangjiang backup workplace,Nearly square meters in the large bay multi-ribbed slab frame,The walls and pillars covered with all kinds of standards and criteria of assessment,And backup center's various business expert photos.Once upon a time go to can see document operation department/Audit operation department, such as identification,People sit dissatisfaction,Some station empty,The peace accompany a person explained,Many people move to another place.Due to the Shanghai electricity/The human cost rising,Peace in sichuan province, have built new backup center.

　　这里是平安几乎所有业务的中后台，当客户在一个平安的柜台买了产品后，业务员会将资料扫描进电脑，接下来资料就会在这里流转，首先由文档作业部录入客户信息，姓名、单号等都由专人录入，如果信息完备，就被送到质量控制流程，否则就会被标记为问题件发回。保单继续流转到稽核部，专业的审核员分析判断客户的风险状况，出具意见，如果通过就打上同意，否则就生成一个反要约，由柜台打印给客户签署意见后返回。接下来，会计作业部负责资金的交割，数据自动传输到集中打印中心，打印、封装、配送。

Here is the peace almost all business in the background,When a customer in a safe counter to buy the product,The salesman will scan data into the computer,The material will be here flow,First of all by the document operation department entry customer information,name/As the number of single by specialist entry,If the information is complete,He had been sent to the quality control process,Otherwise, they will be marked as a back problem.Policy continue to flow to the audit department,Professional auditors the analysis judgment of risk status of the customer,Issue opinions,If through the call that,Otherwise, they generate a counteroffer,The counter print to the customer sign opinion to return.The next,Accounting operation department is responsible for fund settlement,Data automatic transmission to concentration print center,print/packaging/distribution.

　　这里就相当于一个中央厨房，前台的保险、证券营业厅相当于餐厅，客户要什么产品，在厨房里就能上出什么产品。

Here is equivalent to a central kitchen,The insurance/Securities business hall is equivalent to the restaurant,The customer wants to what products,In the kitchen can what the product.

　　每一次变革都意味着权力的重新分配。在实施后援集中的过程中，平安从各个区域收上来了8000多枚公章，每个公章背后都代表一份权力上缴，期间平安也出现了为数不少的区域级别主管流失。但后援集中让平安在伸出尽可能多的网络接触客户的同时，管理、资源和风险管控却在集团总部高度集中，原本散落在各个区域和客户经理手中的资源被统一到总部，既加强了管理也实现了深度挖掘利用。

Every change means the redistribution of power.In the implementation of backup concentration process,Peace from each area charge up more than 8000 pieces of official seal,Behind every official seal on behalf of a turn over to the power,Peace during also appeared a lot of regional level competent loss.But backup concentration let peace in stretch out as many network contact customer at the same time,management/Resources and risk control is highly centralized in group headquarters,Originally scattered in various areas and customer manager the hands of the resources are unified to the headquarters,Not only to strengthen the management and realize the depth excavation using.

　　2007年3月，平安在A股上市之前，国泰君安证券的分析师伍永刚和章锦涛发表研究报告，称由于平安的综合金融服务平台以及强大的后援中心等七项优势，给予平安保险30%左右的市场溢价。同年11月，中信证券(600030,股吧)分析师黄华民称，平安通过在张江的后援中心确定了同业中的IT技术优势，并且形成了领先于中资公司的成本优势。根据顾敏的说法，2008年平安集团的整体运营费用率改善了8.7%，同比节省2.9亿元，件均成本比2007年下降11%，2008年到2011年节约了数十亿的运营费。

In march of 2007,Peace in the a-share listed before,Guotai junan securities analysts WuYongGang and ZhangJinTao published the study,Says that the peace of comprehensive financial services platform and strong backup center, and other seven advantages,Give peace insurance 30% market premium.In November,Citic securities(600030,guba)Analysts HuangHuaMin says,Peace through the backup center in zhangjiang determine the trade of the IT technical advantage,And formed ahead of the Chinese company's cost advantage.According to the GuMin said,2008 peace group operational scale of charges improved 8.7%,Up to save 290 million yuan,A cost are dropped by 11% compared with 2007,2008 to 2011 save billions of operating charges.

　　后台全部被打通后，平安又做起了交叉销售，即业务员同时向客户推荐多种平安的金融产品。交叉销售业绩起飞于2008年，尤其是寿险业务员交叉销售产险和平安信用卡。尽管受限于金融分业监管的相关法律规定，平安寿险的业务员不能直接向客户推销平安信用卡或者基金等其他产品，但他们可以在卖出保险产品的同时向客户“推荐介绍”，在客户成功开卡或者购买相应产品后，推介的业务员从这一单中同样可以拿到相应的佣金。

Background were all after get through,Peace and made a cross selling,That salesman and recommending a variety of peace financial products.Cross sales departure in 2008,Especially life insurance salesman cross selling property and peace credit card.Though limited by financial industries managed and supervised respectively related laws and regulations,Peace life insurance salesman cannot directly to customers promote peace credit card or the fund and other products,But they may be able to sell the insurance products to customers at the same time"Recommend and introduce",In the customer success open card or purchase the corresponding products,Promote salesman from this single also can get corresponding commission.

　　交叉销售现在是平安独有的竞争优势，以与平安一样拥有全部金融牌照的中信集团为例，根据中信银行(601998,股吧)2012年的中报，目前交叉营销还仅限于中信银行的贵宾客户，而中信银行与中信证券、中信信托等的合作，仅仅只是提供托管和发行集合资金信托。而交叉销售则已经成为平安业务发展的最重要推动力。2011年，平安产险车险保费收入中的51%来自于交叉销售和电话销售，深发展银行及平安银行(000001,股吧)新发行信用卡的42.9%、平安银行新增零售存款的42.9%和平安大华首只基金募集资金的63.3%都来自于交叉销售。

Cross-selling is now peace unique competitive advantage,And peace to have all the financial license of citic group as an example,According to the citic bank(601998,guba)2012 years of center daily news,At present cross marketing still limited to citic bank VIP customers,And citic bank and citic securities/Citic trust and cooperation,Only provide trusteeship and distribution of assembled funds trust.And cross selling, has become the most important peace business development impetus.In 2011,,Peace property auto insurance premium income of 51% from the cross selling and phone sales,Shenzhen development bank and bank of peace(000001,guba)New issue 42.9% of the credit card/Pingan bank new retail deposit of 42.9% of the peace AnDaHua first fund raising money for 63.3% of the sales from the cross.

　　但与汇丰、花旗等综合金融集团相比，平安的交叉销售仍有差距。2010年，马明哲在接受媒体采访时称，平安的交叉销售渗透率为1.1，而汇丰的交叉销售渗透率已经达到了3.5左右。顾敏则对《商业周刊/中文版》表示，平安对渗透率的定义与汇丰不同，不具有可比性，在平安，一个客户同时持有产险、寿险、银行，才算“持有3个产品”，而在汇丰，持有储蓄帐户、信用卡、按揭，就算“持有3个产品”。

But with HSBC/Citigroup, and other comprehensive financial group compared with,Peace cross sales is still a gap.In 2010,,Mr Ma said interviewed by the media,Safe cross selling permeability is 1.1,And HSBC's cross selling permeability has reached 3.5.GuMin, on the[Business week/Chinese version]said,Peace on the definition of permeability and HSBC different,Don't comparable,In peace,A customer at the same time hold property/Life insurance/The bank,is"Hold three products",In HSBC,Hold a savings account/Credit card/mortgage,Even if"Hold three products".

　　交叉销售要求平安各个子公司的数据要完全打通，但根据现行的金融分业监管规定，子公司之间的数据不能直接放在一起。2008年，平安将原有的集团IT部门整合成为独立的科技公司，科技公司负责打通各个子公司的数据，并且负责各个子公司IT系统的规划、实施和维护。10月22日，在深圳福田区八卦三路平安大厦5楼，本刊记者见到了科技公司董事长兼CEO的罗世礼，他同时兼任平安集团副总经理兼首席信息执行官。

Cross selling seek peace each subsidiary data to completely get through,But according to the current regulations of financial industries managed and supervised respectively,Subsidiary of data between cannot be directly put together.In 2008,,Peace will be the original group IT department integration became an independent technology company,Science and technology company responsible for each subsidiary company through the data,And is responsible for each subsidiary IT system planning/Implementation and maintenance.On October 22,,In shenzhen futian district bagua three way peace building up to the fifth floor,This reporter saw the science and technology company chairman and CEO LuoShiLi,He also concurrently peace group deputy general manager and chief information executive.

　　49岁的罗世礼是剑桥大学计算机科学博士，1993年起先后在剑桥大学等地做高级研究员。2001年，马明哲请他到平安担任系统开发中心的高级顾问，很快就邀请他正式加入平安。罗世礼或许是中国金融机构中身价最高的CIO，2011年他的年薪是561万元，同年中国工商银行(601398,股吧)CIO林晓轩的年薪是160万元，交通银行(601328,股吧)副行长兼首席执行官侯维栋的年薪是152万元。

49 LuoShiLi is computer science, university of Cambridge,Since 1993, successively in Cambridge university to do senior researcher.In 2001,,Mr Ma please him to peace as the center of the system development senior consultant,Soon officially invited him to join peace.LuoShiLi may be China's financial institutions the most expensive CIO,In 2011 he salary is 5.61 million yuan,In the same year industrial &commercial bank of China(601398,guba)CIO LinXiaoXuan salary is 1.6 million yuan,Bank of communications(601328,guba)Vice President and chief executive officer HouWeiDong salary is 1.52 million yuan.

　　罗世礼看起来斯文儒雅，但说话严谨，甚至让记者觉得不好打交道，但聊到他关心的技术问题时，他表现得兴致盎然。他说平安从2002年开始，就对IT应用系统有一个统一的规划。“技术标准是一站式金融的基础。”罗世礼简洁地回答平安科技基因的内核。

LuoShiLi looks gentle elegant,But speak rigorous,Even let the reporters feel that to deal with,But talk to his care about technical problems,He behaved interested in ideas.He said safe starting from 2002,IT application system to have a unified planning."Technology standard is one-stop financial foundation."LuoShiLi concise answer peace technology gene kernel.

　　作为综合金融集团，平安的下面有数不清的业务条线，例如银行有对公、个人、贷款、存款等各种业务条线，每个条线的需求都截然不同，无法交织在一起。因此在规划的时候，科技公司会把各个条线完全独立的功能变成模块，以减少模块间的相互影响，同时在整个系统中引入所谓企业服务总线的概念，通过这个总线上的接口调用不同的模块提供服务。如果业务出现变动，例如平安信托将私人财富管理业务划归到平安银行，平安银行就能在科技公司帮助下，以最快的速度接管相应的功能模块。

As a comprehensive financial group,Under the peace there are innumerable business line,For example Banks have tests/personal/loan/Deposit various business line,Each line needs are completely different,Cannot be mixed together.So in the planning time,Science and technology company will put each line completely independent function into modules,In order to reduce module interactions,At the same time in the whole system into the so-called enterprise service bus concept,Through this bus interface call different module provides services.If business changes appear,For example peace trust will be private wealth management business ranks to ping an bank,Pingan bank can help in science and technology company,With the fastest speed over the corresponding function module.

　　想要把业务条线分割成恰当的模块，科技公司必须非常熟悉各个业务条线。罗世礼手下有2200名IT工程师，其中200名左右是系统分析师(System Analyst)，这群SA都既精通IT，又熟悉某一个或者多个业务模块，他们成为金融和IT间的桥梁，把金融机构的需求做成IT工程师能看懂的说明书，由后者开发实施。面向各个专业公司都有专门的SA，“这些SA可能比业务部门的某些人更了解整个公司的业务是什么。”罗世礼说。这样横跨金融和IT的人才不容易找，大多数SA由平安自己培养，通常一个IT专业的毕业生在平安工作三四年后才会精通一个业务模块，再经过一两年的轮岗，总共要五六年的时间才能成为对多个模块精通的SA专家。

Want to put the business lines divided into proper module,Science and technology company must be very familiar with various business line.LuoShiLi have on hand 2200 IT engineer,About 200 of them are a system analyst(system Analyst),This group of SA both proficient in IT,And familiar with one or more service module,They become a bridge between the financial and IT,The financial needs of the organization to make IT engineer can read specifications,By the latter development and implementation.Facing various professional companies have special SA,"These SA is likely to be worse than the business department some people know more about the company's business is??????."LuoShiLi said.Such across the financial and IT personnel is not easy to find,Most of the SA training ourselves by peace,Usually an IT professional graduates work in peace in three or four years will be proficient in a business module,Then after one or two years of work shift,Altogether it will take five or six years to become to multiple module proficient SA experts.

　　罗世礼的团队正在加快编制移动技术的开发框架，他们制订了新的五年规划，提出要在移动互联、大数据、云计算和数据挖掘等几个领域加大发展。科技公司还有一个新技术应用部，专门负责关注最新的应用和产品，他们最近和顾敏一起讨论的项目，是平安怎样通过微信为客户提供服务，怎样才能让微信和平安现有的后台对接。

LuoShiLi team is to speed up the establishment of mobile technology development framework,They established a new five year plan,Proposed in the mobile Internet/Large data/Cloud computing and data mining and so on several areas increasing development.Science and technology company and a new technology application department,Special attention is responsible for the latest applications and products,They recently and GuMin discuss project,Peace is how through the micro letter provide for the customer service,How to let the micro and peace existing background butt.

　　从平安大厦驱车往北不到1个小时，就可以到达平安的数据中心。平安最核心的秘密都“藏”在这里。数据中心有一栋6层高的主楼和一栋2层的配楼。配楼是发电楼，里面的柴油发电机组在停电时为数据中心发电。主楼的建筑面积2万平方米左右，2层到6层是7000平米的机房区以及配套的功能区，1层的冷水机组负责把储存在地下1层的冷冻水抽上来，通过水泵送到空调的蒸发器，风机鼓出的冷风被送入高度60厘米的机房区地板下面的静压箱，再通过出风地板进入放置服务器的机柜，冷却IT设备，保证机房温度常年保持在25摄氏度左右。

From peace building drove north less than an hour,Can reach peace data center.Peace is the most core secrets"hidden"here.Data center has a house six stories of the main building and a house 2 layers of PeiLou.PeiLou is generating floor,The inside of the diesel generator set in power generation for data center.The main building of a building area of 20000 square metre,Layer 2 to 6 layer is 7000 square meters room area and related functional areas,1 layer of cold water unit responsible for the stored in underground 1 layer of the chilled water pumped,Through the water pump to air conditioning evaporator,Fan drum out by the cold into height 60 centimeters of room area below the floor of static pressure box,Then through the air out floor into place server cabinet,Cooling IT equipment,Ensure room temperature perennial maintain in 25 degrees Celsius.

　　机房55%的耗电用于维持服务器的工作，这样的用电效率不算高，远远不能和Facebook在美国俄勒冈州普赖恩维尔的数据中心相比，后者几乎所有的电力都用在了运转服务器上。效率的差别部分是由于普赖恩维尔的自然温度较低，而在夏季湿热的深圳，制冷的要求更高。还有一部分原因是Facebook做了专门的制冷技术创新，平安则毕竟是金融公司而不是Facebook那样的技术公司。观澜机房的用电效率与汇丰在香港将军澳的机房相差不远，汇丰机房的用电效率大约在60%，已经算是金融行业的顶尖水平。

Room for maintaining power consumption 55% of the server's job,Such power efficiency not high,Far not and in Oregon Facebook at Ryan) compared the data center,The latter almost all of the power is, in the running on the server.The difference of efficiency is due in part to general Ryan will natural temperature is low,And in summer hot and humid of shenzhen,Refrigeration requirements higher.Partly because the Facebook special refrigeration technology innovation,Peace is, after all, is a financial company rather than Facebook that technology companies.Each of the rooms, and power efficiency and HSBC in Hong Kong tseung kwan o room are not,HSBC room of the electricity efficiency at about 60%,Have already been regarded as the financial industry's top level.

　　这个数据中心的前身是深圳八卦岭平安大厦里的300平米机房，2005年机房面积扩大到1000平米。但因为平安的业务发展得太快，原本以为可以用五六年的机房，仅仅两年就不堪重负。新的数据中心大楼在2011年建成，总共有7000平方米的机房，现在用了2500平方米。7000平方米的机房并不算大——中国工商银行2012年初在上海嘉定开建的同城数据中心，一期工程建筑面积8万平米左右，基础设施投资14亿元。谈到为什么不一下做数万平方米的机房，搞技术的罗世礼说得很直接，“如果一下子做那么大，到设备烂掉的时候都用不上。而现在的机房，投资不到2亿元就搞定了。”平安的数据中心以模块化的方式搭建，500平米一个模块，如果需要增加服务器，从提出决定到建成使用只需要半年的时间，期间不影响原有服务器的使用。

The data center was established on the basis of the shenzhen gossip ridge peace building 300 square meters room,2005 room area expanded to 1000 square meters.But because peace business development too fast,Thought can use five or six years of room,Only two years the heavy burden.New data center building completed in 2011,There is a total of 7000 square meters of room,Now, with 2500 square meters.7000 square meters of room isn't big - industrial &commercial bank of China in early 2012, the Shanghai jiading open city built in the data center,The first period engineering construction area of 8 square meters,Infrastructure investment is 1.4 billion yuan.Talking about why do different tens of thousands of square meters of room,Make technology LuoShiLi say very direct,"If suddenly do so big,To equipment rot away when it.But now the room,Investment is less than 200 million yuan then it's done."Peace data center with modular build way,500 square meters a module,If you need to add server,From the proposed decided to use built only need the time of half an year,Period does not affect the use of the original server.

　　罗世礼的手头并不宽松，他负责的科技公司并没有集团总部的任何特别资金补贴，完全独立运作和核算，必须依靠从各个子公司收取的服务费自己发展，而且必须定期向平安的各个子公司公布收费价格的明细组成，接受与外界供应商的比较。

LuoShiLi's hand is not comfortable,He is responsible for technology companies and no group headquarters of any special fund subsidies,Operates completely independently and accounting,Must rely on from various subsidiary collection service charge their development,And must be regularly to peace each subsidiary charges announced price of detail,Accept and outside suppliers comparison.

　　科技就是“环形使者”，它是一个悖论，既给我们带来超越时空的智能和快感，又挑战传统的因果关系。在微软创始人比尔?盖茨做出银行将成为互联网时代遭到灭绝的恐龙的断言之后这20年间里，IT和互联网已经摧枯拉朽般地摧毁或者改变了许多行业，出版、传媒、零售、贸易，现在这种威慑终于来到金融业。在国内，凭借手头拥有的庞大用户数据和支付宝，阿里巴巴的马云毫不掩饰地宣布，“银行如果不改变，我们就改变银行。”腾讯也悄然打造金融链条。在国外，谷歌早就做了“手机钱包”，全球最大云服务提供商亚马逊也宣布进入小额贷款领域。

Technology is"Ring angel",It is a paradox,Not only bring us beyond time and space intelligent and pleasant sensation,And challenges the traditional causality.In the Microsoft founder bill?Gates made the bank will become the Internet age were extinct dinosaur after allegations that the 20 years,IT and the Internet has changed the way of how to destroy or many industries,publishing/media/retail/trade,Now this deterrence finally came to the financial industry.In the domestic,With hand have huge user data and pay treasure,Alibaba ma announced openly,"If the bank does not change,We will change the bank."Tencent also quietly build financial chain.In foreign,Google would have done"Mobile wallet",The world's largest cloud service provider amazon also declared a small loan field.

　　“我们不知道世界怎么变，我们能做的就是自己扑到这股浪潮中去。”在他位于马明哲办公室隔壁的房间里，顾敏对我们说，平安要再度提高对科技的定位，考虑用科技创造出新的业务模式。

"We don't know how to change the world,All we can do is their robot to the wave to."In his office Mr Ma is located in the next room,GuMin said to us,To improve the technology of peace again positioning,Consider using science and technology to create new business model.

　　去年8月，马明哲将原来的平安财富同公司加上了“科技DNA”，财富通更名为平安金融科技公司，公司的目标是实现科技改变金融，为平安树立新兴的业务增长模式，成为一个“金融互联网”公司。金融科技公司最早由平安集团的首席创新执行官计葵生负责，今年5月改由吴世雄担任董事长。吴世雄做过微软、eBay易趣、AMD等科技公司的高管，精通数字营销。陆金所就是金融科技公司孵化出的第一个孩子。

Last August,Mr Ma will original peace wealth with the company added"Technology DNA",Wealth through renamed peace financial technology companies,The company's goal is the realization of science and technology change financial,For peace to set up new business growth pattern,Become a"Financial Internet"The company.Financial technology companies by the peace group's chief innovation executive JiKui responsible for life,In may this year WuShiXiong now appointed as the chairman of the board.WuShiXiong done Microsoft/EBay eBay/AMD technology, such as the company's executives,Proficient in digital marketing.LiuJin have is financial technology company hatched first child.

　　马明哲还在平安集团内部设立了一个创新中心，中心下设一只总额10亿元人民币的创新投资基金，负责人是原先在凯鹏华盈(KPCB)的郁乐，这只基金专门对平安集团之外的新创意、新企业做风险投资，关注的领域不限于金融，消费、医疗健康、汽车、社交网络、人工智能等都是其投资对象。

Mr Ma is still in the internal peace group set up an innovation center,The center has a total 1 billion yuan RMB innovation investment fund,The man in charge is the original in KaiPengHua surplus(KPCB)YuLe of,The fund specifically for the peace group outside of the new ideas/The new enterprise to do risk investment,Focus on areas not limited to finance,consumption/Medical health/car/Social network/Artificial intelligence is the investment object.

　　创新投资基金就像是平安的科技雷达，如果投资的企业与平安金融集团有业务关联，将来就把这家企业收进来，如果投资的创新型企业与平安缺少业务相关度，那么就是一个风险投资而已，但其间却可以触及和了解正在发生的创新信息。

Innovation investment fund is like peace technology radar,If investment enterprise and financial group peace have business association,The future will take the enterprise accept to come in,If investment innovation enterprise and peace lack of business degree of correlation,It is a risk investment just,But it can touch and understanding is happening innovation information.

　　“今天还是涓涓细流，明天或许就成为波澜壮阔。”中欧国际工商学院院长朱晓明如此描绘数字技术对金融业的冲击，他在一次公开论坛上指出，这股浪潮，将造就金融业的明日之星。

"Today or trickles through,Tomorrow maybe will become surging forward with great momentum."China Europe international business school dean ZhuXiaoMing so described digital technology to the impact of the financial industry,He said in a public BBS points out,The wave,Will create the star of the tomorrow of the financial industry.

　　但金融互联网和互联网金融并不相同，如果只是把金融产品互联网化，阿里金融总裁胡晓明近期在一个银行业论坛上指出，“那实际就是网上银行”，真正不同的在于是否具有互联网的思想。

But financial the Internet and finance is not the same,If only the financial products Internet change,Ali financial President HuXiaoMing recently in a banking BBS points out,"The actual is the bank on the net",Really different lies in whether have the Internet to thought.

　　在移动互联网时代，整个金融机构过往赖以生存的基本哲学，审慎、严谨、效率、保守的文化，都将迎来重新定义。站在岸上永远不可能学会游泳。怎样能在这股数字洪流中游得好，顾敏说，平安的解决方案还不太清晰，“这很难，但是我们不得不做。”编辑/万云 撰文/贾晓涛 插图/虾小仙

In the mobile Internet age,The whole financial institutions past the basic survival philosophy,prudent/rigorous/efficiency/Conservative culture,- will be redefined.Stood on the shore can never learned to swim.How can the flood in the middle reaches of the digital well,GuMin said,Peace solution is not too clear,"It's hard to,But we have to do."Editor/WanYun Writing about/JiaXiaoTao illustration/shrimp little fairy