[{"data":1,"prerenderedAt":363},["ShallowReactive",2],{"case-soe-bank-gold-saving":3,"case-related-soe-bank-gold-saving":92},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"slug":10,"year":11,"industry":12,"tags":13,"body":18,"_type":86,"_id":87,"_source":88,"_file":89,"_stem":90,"_extension":91},"\u002Fcases\u002F25-soe-bank-gold-saving","cases",false,"","某国有大行 · 积存金交易系统","服务银行个人金融业务的黄金积存金交易系统，覆盖客户开户、积存计划、按周\u002F月扣款购入、转出与提取、收益对账。","soe-bank-gold-saving",2016,"金融科技",[14,15,16,17],"银行","黄金","积存","交易",{"type":19,"children":20,"toc":80},"root",[21,29,35,40,70,75],{"type":22,"tag":23,"props":24,"children":26},"element","h2",{"id":25},"项目背景",[27],{"type":28,"value":25},"text",{"type":22,"tag":30,"props":31,"children":32},"p",{},[33],{"type":28,"value":34},"积存金作为银行黄金理财零售产品，对系统的实时性、对账精度、合规留痕要求高。客户希望面向个人用户的积存金体验在网银 \u002F 手机银行 \u002F 行内柜面三端一致。",{"type":22,"tag":23,"props":36,"children":38},{"id":37},"主要内容",[39],{"type":28,"value":37},{"type":22,"tag":41,"props":42,"children":43},"ul",{},[44,50,55,60,65],{"type":22,"tag":45,"props":46,"children":47},"li",{},[48],{"type":28,"value":49},"客户积存计划设置（金额、频率、时长）",{"type":22,"tag":45,"props":51,"children":52},{},[53],{"type":28,"value":54},"自动扣款 + 实时金价计价",{"type":22,"tag":45,"props":56,"children":57},{},[58],{"type":28,"value":59},"转出、提取（实物提金 \u002F 卖出回款）",{"type":22,"tag":45,"props":61,"children":62},{},[63],{"type":28,"value":64},"利息\u002F收益计算与对账单",{"type":22,"tag":45,"props":66,"children":67},{},[68],{"type":28,"value":69},"行内柜员后台：客户查询、风险事件处置",{"type":22,"tag":23,"props":71,"children":73},{"id":72},"沉淀价值",[74],{"type":28,"value":72},{"type":22,"tag":30,"props":76,"children":77},{},[78],{"type":28,"value":79},"让浩途完整沉淀了\"金价实时撮合 + 客户资金账务\"的金融账务系统范式，与黄金宝平台、黄金预订平台共享同一套核心。",{"title":7,"searchDepth":81,"depth":81,"links":82},2,[83,84,85],{"id":25,"depth":81,"text":25},{"id":37,"depth":81,"text":37},{"id":72,"depth":81,"text":72},"markdown","content:cases:25-soe-bank-gold-saving.md","content","cases\u002F25-soe-bank-gold-saving.md","cases\u002F25-soe-bank-gold-saving","md",[93,227,295],{"_path":94,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":95,"description":96,"slug":97,"year":98,"industry":12,"tags":99,"client":103,"period":104,"featured":6,"impact":105,"techStack":115,"body":120,"_type":86,"_id":224,"_source":88,"_file":225,"_stem":226,"_extension":91},"\u002Fcases\u002F04-ebizbank","Ebizbank · 贵金属交易商网站","面向贵金属交易商的 B2B 平台，支持开户、报盘、风控与对账全流程，稳定运行 8 年。","ebizbank",2017,[100,101,102],"B2B","交易系统","长期运行","Ebizbank","2017 至今 · 长期合作",[106,109,112],{"value":107,"label":108},"8 年","稳定运行",{"value":110,"label":111},"7×24","交易支持",{"value":113,"label":114},"3","大版本迭代",[116,117,118,119],"Django","MySQL","Redis","Vue",{"type":19,"children":121,"toc":218},[122,126,131,136,170,175,208,213],{"type":22,"tag":23,"props":123,"children":124},{"id":25},[125],{"type":28,"value":25},{"type":22,"tag":30,"props":127,"children":128},{},[129],{"type":28,"value":130},"Ebizbank 是面向贵金属（黄金、白银、铂金）交易商的撮合与服务平台。\n浩途自 2017 年起承担其网站、报盘、风控、对账模块的开发与运维。",{"type":22,"tag":23,"props":132,"children":134},{"id":133},"核心挑战",[135],{"type":28,"value":133},{"type":22,"tag":41,"props":137,"children":138},{},[139,150,160],{"type":22,"tag":45,"props":140,"children":141},{},[142,148],{"type":22,"tag":143,"props":144,"children":145},"strong",{},[146],{"type":28,"value":147},"金融级稳定",{"type":28,"value":149},"：交易日 7×24 不能宕机",{"type":22,"tag":45,"props":151,"children":152},{},[153,158],{"type":22,"tag":143,"props":154,"children":155},{},[156],{"type":28,"value":157},"风控规则复杂",{"type":28,"value":159},"：多层级风险审批 + 异常订单拦截",{"type":22,"tag":45,"props":161,"children":162},{},[163,168],{"type":22,"tag":143,"props":164,"children":165},{},[166],{"type":28,"value":167},"多版本演进",{"type":28,"value":169},"：8 年内做过 3 次大版本架构升级，要保证业务无缝迁移",{"type":22,"tag":23,"props":171,"children":173},{"id":172},"解决方案",[174],{"type":28,"value":172},{"type":22,"tag":41,"props":176,"children":177},{},[178,188,198],{"type":22,"tag":45,"props":179,"children":180},{},[181,186],{"type":22,"tag":143,"props":182,"children":183},{},[184],{"type":28,"value":185},"核心系统隔离",{"type":28,"value":187},"：交易撮合层、对账层、网站层物理隔离",{"type":22,"tag":45,"props":189,"children":190},{},[191,196],{"type":22,"tag":143,"props":192,"children":193},{},[194],{"type":28,"value":195},"风控规则引擎",{"type":28,"value":197},"：可视化配置规则，无需重启服务",{"type":22,"tag":45,"props":199,"children":200},{},[201,206],{"type":22,"tag":143,"props":202,"children":203},{},[204],{"type":28,"value":205},"灰度发布",{"type":28,"value":207},"：新版本先在测试组运行 2 周再全量",{"type":22,"tag":23,"props":209,"children":211},{"id":210},"业务成效",[212],{"type":28,"value":210},{"type":22,"tag":30,"props":214,"children":215},{},[216],{"type":28,"value":217},"8 年来历经 3 次大版本架构升级，平台从未发生交易数据丢失或对账差错。",{"title":7,"searchDepth":81,"depth":81,"links":219},[220,221,222,223],{"id":25,"depth":81,"text":25},{"id":133,"depth":81,"text":133},{"id":172,"depth":81,"text":172},{"id":210,"depth":81,"text":210},"content:cases:04-ebizbank.md","cases\u002F04-ebizbank.md","cases\u002F04-ebizbank",{"_path":228,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":229,"description":230,"slug":231,"year":11,"industry":12,"tags":232,"body":235,"_type":86,"_id":292,"_source":88,"_file":293,"_stem":294,"_extension":91},"\u002Fcases\u002F31-bank-gold-booking","某国有大行 · 黄金预定平台","银行实物金的预约购买平台，支持多金条规格、网点取货 \u002F 邮寄、库存与价格联动、订单履约。","bank-gold-booking",[14,15,233,234],"预定","实物",{"type":19,"children":236,"toc":287},[237,241,246,250,278,282],{"type":22,"tag":23,"props":238,"children":239},{"id":25},[240],{"type":28,"value":25},{"type":22,"tag":30,"props":242,"children":243},{},[244],{"type":28,"value":245},"实物金条作为银行黄金业务的高净值场景，需要客户能在线预约下单、按当日金价锁单、到指定网点取货。客户希望把这一流程从柜台前置到线上，降低柜面人力成本。",{"type":22,"tag":23,"props":247,"children":248},{"id":37},[249],{"type":28,"value":37},{"type":22,"tag":41,"props":251,"children":252},{},[253,258,263,268,273],{"type":22,"tag":45,"props":254,"children":255},{},[256],{"type":28,"value":257},"多规格金条（克重、款式）展示",{"type":22,"tag":45,"props":259,"children":260},{},[261],{"type":28,"value":262},"实时金价锁单与价格保护期",{"type":22,"tag":45,"props":264,"children":265},{},[266],{"type":28,"value":267},"网点选择 + 库存查询",{"type":22,"tag":45,"props":269,"children":270},{},[271],{"type":28,"value":272},"取货预约 \u002F 邮寄选项",{"type":22,"tag":45,"props":274,"children":275},{},[276],{"type":28,"value":277},"订单履约状态跟踪",{"type":22,"tag":23,"props":279,"children":280},{"id":72},[281],{"type":28,"value":72},{"type":22,"tag":30,"props":283,"children":284},{},[285],{"type":28,"value":286},"与积存金交易系统、黄金宝平台共同构成浩途的\"贵金属业务\"产品矩阵，覆盖客户从\"投资\"到\"实物持有\"的全链路。",{"title":7,"searchDepth":81,"depth":81,"links":288},[289,290,291],{"id":25,"depth":81,"text":25},{"id":37,"depth":81,"text":37},{"id":72,"depth":81,"text":72},"content:cases:31-bank-gold-booking.md","cases\u002F31-bank-gold-booking.md","cases\u002F31-bank-gold-booking",{"_path":296,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":297,"description":298,"slug":299,"year":300,"industry":12,"tags":301,"body":303,"_type":86,"_id":360,"_source":88,"_file":361,"_stem":362,"_extension":91},"\u002Fcases\u002F13-gold-bao-platform","某贵金属交易商 · 黄金宝在线平台","面向个人投资者的贵金属在线交易平台，整合实时金价、客户开户、交易撮合、持仓与历史记录，含交易商运营后台。","gold-bao-platform",2015,[15,17,302],"在线",{"type":19,"children":304,"toc":355},[305,309,314,318,346,350],{"type":22,"tag":23,"props":306,"children":307},{"id":25},[308],{"type":28,"value":25},{"type":22,"tag":30,"props":310,"children":311},{},[312],{"type":28,"value":313},"国内贵金属投资市场在 2015 年正向线上化迁移。客户作为持牌交易商，希望提供独立 toC 入口，承接微信公众号与官网导流的客户。",{"type":22,"tag":23,"props":315,"children":316},{"id":37},[317],{"type":28,"value":37},{"type":22,"tag":41,"props":319,"children":320},{},[321,326,331,336,341],{"type":22,"tag":45,"props":322,"children":323},{},[324],{"type":28,"value":325},"实时金价行情接入与展示",{"type":22,"tag":45,"props":327,"children":328},{},[329],{"type":28,"value":330},"客户开户 \u002F KYC \u002F 实名认证",{"type":22,"tag":45,"props":332,"children":333},{},[334],{"type":28,"value":335},"交易撮合下单与持仓管理",{"type":22,"tag":45,"props":337,"children":338},{},[339],{"type":28,"value":340},"历史成交、出入金、对账单",{"type":22,"tag":45,"props":342,"children":343},{},[344],{"type":28,"value":345},"交易商后台：客户管理、风控阈值、报表",{"type":22,"tag":23,"props":347,"children":348},{"id":72},[349],{"type":28,"value":72},{"type":22,"tag":30,"props":351,"children":352},{},[353],{"type":28,"value":354},"是浩途首批金融交易类系统，团队由此理解金融业务对实时性、对账精度、合规留痕的强约束，与后续 Ebizbank 项目共享同一套方法论。",{"title":7,"searchDepth":81,"depth":81,"links":356},[357,358,359],{"id":25,"depth":81,"text":25},{"id":37,"depth":81,"text":37},{"id":72,"depth":81,"text":72},"content:cases:13-gold-bao-platform.md","cases\u002F13-gold-bao-platform.md","cases\u002F13-gold-bao-platform",1780542369808]