浦发银行经营分析-600000经营分析
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主营介绍

  • 产品类型:

    贷款、拆借、存放央行、存放同业、买入返售金融资产、债券及应收款项类投资、手续费及佣金、融资租赁

  • 产品名称:

    贷款 拆借 存放央行 存放同业 买入返售金融资产 债券及应收款项类投资 手续费及佣金 融资租赁

  • 经营范围:

    吸收公众存款;发放短期、中期和长期贷款;办理结算;办理票据贴现;发行金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券;同业拆借;提供信用证服务及担保;代理收付款项及代理保险业务;提供保管箱服务;外汇存款;外汇贷款;外汇汇款;外币兑换;国际结算;同业外汇拆借;外汇票据的承兑和贴现;外汇借款;外汇担保;结汇、售汇;买卖和代理买卖股票以外的外币有价证券;自营外汇买卖;代客外汇买卖;资信调查、咨询、见证业务;离岸银行业务;经中国人民银行和中国银行业监督管理委员会批准的其他业务。

运营业务数据

最新公告日期:2018-04-28 
业务名称 2017-12-31 2017-06-30 2016-12-31 2016-06-30 2015-12-31
对公存款余额(元) 2.53万亿 - 2.51万亿 - 2.44万亿
信用卡期末发卡(张) 1358.21万 - 2758.31万 - 1156.00万
资产托管业务规模(元) 10.28万亿 - 7.56万亿 - 4.98万亿
对公贷款余额(元) 1.94万亿 - 1.78万亿 - 1.65万亿
消费及小微金融贷款余额(元) 8433.05亿 8182.04亿 7404.84亿 6083.56亿 -
个人存款余额(元) 4724.87亿 - 4626.87亿 4969.25亿 -
住房按揭贷款余额(元) 4573.17亿 5081.57亿 4573.17亿 3373.95亿 -
个人客户(户) 4426.09万 4159.06万 3872.00万 - -
新发借记卡(张) 777.35万 - - - -
公司客户数(户) - 130.91万 - - -
对公存款余额(含对公保证金存款、国库存款和其他存款)(元) - 2.65万亿 - - -
对公贷款余额(含票据贴现)(元) - 1.86万亿 - 1.70万亿 -
绿色信贷余额(元) - 1637.43亿 - 1808.42亿 -
银团贷款余额(元) - 1787.84亿 - 1578.00亿 -
存续期债务融资工具余额(元) - 5574.00亿 - 8604.18亿 -
交易银行特色业务量(元) - 2.74万亿 - - -
国际业务平台资产合计(元) - 2637.99亿 - - -
个人存款(含个人业务保证金)余额(元) - 5098.09亿 - - -
个人理财产品销量(元) - 2.44万亿 - - -
借记卡期末累计卡量(张) - 5567.01万 - 4854.29万 -
信用卡累计发卡(张) - 3462.74万 - - -
信用卡流通卡数(张) - 2243.73万 - 1484.21万 -
信用卡透支余额(元) - 3789.42亿 - - -
私人银行客户数(户) - 2.00万 - - -
管理私人银行客户金融资产(元) - 3500.00亿 - - -
资产管理规模(元) - 1.79万亿 - 1.46万亿 -
实现托管费收入(元) - 19.04亿 - - -
个人手机银行客户(户) - 2316.00万 - - -
现金类自助设备保有量(台) - 7814.00 - - -
自助网点(个) - 4459.00 - - -
借记卡累计发卡(张) - - 5202.62万 - 4572.47万
资产总额(元) - - - 5.37万亿 -
本外币存款余额(元) - - - 2.96万亿 -
本外币贷款余额(元) - - - 2.45万亿 -
后三类不良贷款余额(元) - - - 403.36亿 -
对公存款余额(含保证金存款、国库存款和其他存款)(元) - - - 2.43万亿 -

主营构成分析

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营业收入 X

单位(%) 单位(万元)
注:通常在中报、年报时披露 
业务名称 营业收入(元) 收入比例 营业成本(元) 成本比例 利润比例 毛利率
按行业 贷款收入 1530.81亿 48.95% - - - -
投资利息收入 734.49亿 23.49% - - - -
手续费及佣金收入 507.73亿 16.24% - - - -
其他收入 165.85亿 5.30% - - - -
存放同业及其他金融机构收入 94.02亿 3.01% - - - -
存放央行收入 75.29亿 2.41% - - - -
租赁利息收入 18.99亿 0.61% - - - -
按产品 利息收入 2458.18亿 32.24% - - - -
利息收入:发放贷款和垫款 1530.81亿 20.08% - - - -
利息收入:发放贷款和垫款:企业贷款 810.25亿 10.63% - - - -
利息收入:发放贷款和垫款:个人贷款 695.02亿 9.12% - - - -
手续费及佣金收入 507.73亿 6.66% - - - -
利息收入:债券投资 371.30亿 4.87% - - - -
利息收入:其他应收款项类投资 363.19亿 4.76% - - - -
手续费及佣金收入:托管业务手续费 210.51亿 2.76% - - - -
手续费及佣金收入:银行卡手续费 177.17亿 2.32% - - - -
投资收益 135.85亿 1.78% - - - -
利息收入:存放中央银行 75.29亿 0.99% - - - -
利息收入:拆出资金 43.22亿 0.57% - - - -
利息收入:存放同业 39.03亿 0.51% - - - -
手续费及佣金收入:投行类业务手续费 35.21亿 0.46% - - - -
手续费及佣金收入:其他 32.72亿 0.43% - - - -
汇兑收益 27.23亿 0.36% - - - -
其他业务收入 26.12亿 0.34% - - - -
利息收入:发放贷款和垫款:贴现 25.54亿 0.33% - - - -
手续费及佣金收入:信用承诺手续费 23.11亿 0.30% - - - -
利息收入:租赁利息收入 18.99亿 0.25% - - - -
手续费及佣金收入:代理业务手续费 17.00亿 0.22% - - - -
手续费及佣金收入:结算与清算手续费 12.01亿 0.16% - - - -
利息收入:买入返售金融资产 11.77亿 0.15% - - - -
资产处置损益 5.16亿 0.07% - - - -
其他收益 4.88亿 0.06% - - - -
利息收入:其他 4.58亿 0.06% - - - -
公允价值变动损益 -37.97亿 -0.50% - - - -
按地区 总行本部 619.05亿 36.71% - - - -
长三角地区 324.64亿 19.25% - - - -
环渤海地区 172.50亿 10.23% - - - -
中部地区 167.87亿 9.96% - - - -
西部地区 144.24亿 8.55% - - - -
珠三角及海西地区 112.85亿 6.69% - - - -
境外及附属机构 90.01亿 5.34% - - - -
东北地区 55.03亿 3.26% - - - -

董事会经营评述

  一、经营情况讨论与分析总体经营情况分析  本集团认真贯彻落实党的十九大和全国金融工作会议精神,坚持“回归本源、突出主业、做精专业、协调发展”经营理念,积极服务实体经济,加大风险防范化解力度,围绕“保收入、调结构、重管理、控风险”经营主线和“数字化、集约化”战略任务,扎实工作、砥砺奋进,保持了稳中有进、稳中向好的发展格局。  经营效益报告期内本集团保持营业收入、净利润双增长。集团口径实现营业收入1,686.19亿元,比上年增加78.40亿元,同比增长4.88%;实现利润总额698.28亿元,比上年减少1.47亿元,同比下降0.21%;税后归属于母公司股东的净利润542.58亿元,比上年增加1... 查看全部▼

  一、经营情况讨论与分析总体经营情况分析
  本集团认真贯彻落实党的十九大和全国金融工作会议精神,坚持“回归本源、突出主业、做精专业、协调发展”经营理念,积极服务实体经济,加大风险防范化解力度,围绕“保收入、调结构、重管理、控风险”经营主线和“数字化、集约化”战略任务,扎实工作、砥砺奋进,保持了稳中有进、稳中向好的发展格局。
  经营效益报告期内本集团保持营业收入、净利润双增长。集团口径实现营业收入1,686.19亿元,比上年增加78.40亿元,同比增长4.88%;实现利润总额698.28亿元,比上年减少1.47亿元,同比下降0.21%;税后归属于母公司股东的净利润542.58亿元,比上年增加11.59亿元,同比增长2.18%。2017年,平均总资产收益率(ROA)为0.92%,比上年下降了0.06个百分点;加权平均净资产收益率(ROE)为14.45%,比上年下降了1.90个百分点。成本收入比率为24.34%,比上年上升1.18个百分点。
  资产负债报告期末,本集团资产总额为61,372.40亿元,比上年末增加2,799.77亿元,增长4.78%;其中,本外币贷款余额为31,946.00亿元,比上年末增加4,317.94亿元,增长15.63%。
  本集团负债总额57,062.55亿元,增长4.05%;其中,本外币存款余额为30,379.36亿元,比上年末增加359.21亿元,增长1.20%。
  业务结构报告期,本集团进一步优化资产业务结构,确立了“零售保收入、对公调结构、资金去杠杆”的整体策略。在实现零售业务快速发展的同时对公司业务深化结构调整,强化重点领域配置,推动金融市场业务去杠杆、优投向。报告期内,非利息净收入同比增长17.18%,占营业收入比重达36.60%,比上年提升3.85个百分点。
  资产质量报告期内,本集团在保持信贷业务运行平稳的同时,更加注重风险管理,严格不良贷款分类管理,着力夯实资产质量基础。截至报告期末,按五级分类口径统计,本集团后三类不良贷款余额为685.19亿元,比上年末增加163.41亿元;不良贷款率为2.14%,比上年末上升0.25个百分点;不良贷款的准备金覆盖率达132.44%,比上年末下降36.69个百分点;贷款拨备率(拨贷比)2.84%,比上年末降低0.35个百分点。
  集团化、国际化报告期内,本集团子公司和境外机构业务取得新进展,服务和创收能力持续提升。集团协同规模同比增长较快,主要投资企业经营良好,合计实现营收87.54亿元、净利润38.29亿元。继香港分行和新加坡分行开业后,伦敦分行获得当地监管的批准,并于2018年2月6日正式开业,推动公司实现跨欧亚跨时区经营。

  二、报告期内主要经营情况
  报告期内,本集团各项业务持续发展,非息收入快速增长,成本收入比继续保持较低水平,实现营业收入1,686.19亿元,同比增加78.40亿元,增长4.88%;实现归属于母公司股东的净利润542.58亿元,同比增长2.18%。
  公司主要业务情况6.7.3.1公司金融业务报告期内,公司坚持以客户为中心,深化客户经营,着力服务实体经济,为客户提供融资、投行、现金管理、电子银行、跨境业务、资产托管、离岸业务等全方位金融服务。截至报告期末,公司客户数达到136万户,比上年末增加10.42万户,增长8.30%。
  大客户经营业务报告期内,公司围绕以“客户为中心”,以集约化、数字化经营战略为导向,重点深化完成总、分行两级战略直营大客户体系设立;打造集“总行直接经营、总分支协同经营、集团协同经营”等多种模式的战略直营大客户营销互动平台;搭建宣传、培训、产品、行业、渠道等基础设施;重点推进首批总行战略直营大客户经营,扩大总行战略直营大客户群。截止报告期末,直营客户日均负债803.34亿元,比上年度增长了23.33%;贷款日均583.82亿元,比上年度增长了44.86%;非息收入11.42亿元,比上年度增长了50.47%;综合贡献30.89亿元,比上年度增长了22.37%;产品使用数1,545,比上年度增长了7.05%。
  对公存贷款业务截至报告期末,对公存款余额(含对公保证金存款、国库存款和其他存款)25,325.06亿元,比上年末增加227.88亿元,增长0.91%;对公贷款余额(含票据贴现)19,414.76亿元,比上年末增加1,601.93亿元,增长8.99%。公司进一步优化信贷客户结构,大力支持升级产业、传统优势产业、战略新兴产业、现代服务业和绿色产业,严控“两高一剩”行业的资金投放。截至报告期末,绿色信贷余额1,801.45亿元,银团贷款余额1,815.77亿元。
  投资银行业务报告期内,公司主承销债券537只,主承销金额3,829.57亿元,存续期债务融资工具余额8,316.71亿元。截至报告期末,托管股权基金734只,较上年末增加6只,托管规模6,120.68亿元,比上年末增长472.28亿元,增幅8.36%;并购金融业务持续迅速发展,境内外并购贷款余额762.43亿元,增幅31.57%。
  交易银行业务报告期内,公司强化“无贷户、小微客户、科技金融客户”等重点客群建设,推动政采e贷、云资金监管、农民工工资监管等重点项目建设,进一步丰富和完善“e企”和“智慧”两大系列业务。2017年,公司业内首推“e企行”综合服务平台,以创新促转型,践行普惠金融,公司上线科技金融项目库,打造企业在线融资、跨境电商、E同行、供应链、理财转让及理财对外代销平台等交易银行特色数字化平台。报告期内,电子渠道交易量44.93万亿元,同比增长29.74%。截至报告期末,服务科技型企业客户超过2.23万户。
  国际业务平台业务截至报告期末,国际业务平台(含离岸、自贸区、香港分行和新加坡分行)资产合计2,572.00亿元人民币,增幅5.67%,占集团资产总额的4.19%。报告期内,国际业务平台累计实现营业收入33.04亿元人民币。
  6.7.3.2零售银行业务报告期内,公司零售业务坚持围绕“保收入、调结构、重管理、控风险”的经营指导思想,以“数字化、集约化”为引领,创新突破,转型升级,通过深耕客户经营,优化线上线下渠道,强化基础建设,实现财富管理、零售信贷、信用卡业务的稳健发展。通过科技升级,打造轻型网点、持续打造手机银行,探索构建APP智能交互、推动客户服务中心的智能化建设,提升了公司零售业务的经营能力。
  个人客户与存款业务报告期内,公司坚持以客户为中心,践行对个人客户的大数据精准营销、打造客户成长权益平台;推出营销主题活动,实践“品销合一,裂变获客”,提升服务品质,增强服务体验,扩大零售品牌新影响;构建差异化负债产品,着力调整负债结构,强化主动负债,推动负债业务扩量提质。截至报告期末,个人客户4,426.09万户,比上年末增加554.09万户,增长14.31%;个人存款余额4,724.87亿元。
  消费及小微金融业务报告期内,公司立足改善民生,聚焦消费及小微金融领域,加强金融科技融合应用,全面提升服务效能。依据企业开票纳税等经营性信息创新推出诺诺银税贷,围绕居民消费需求创新推出精英贷、好房贷、安居贷2.0,围绕小微客户经营需求创新推出房抵快贷3.0,深耕通信金融服务范围扩至三大运营商,扩大公积金点贷服务范围至20余省份;创新推出“线上申请+线下办理”的全新O2O业务模式。截至报告期末,消费及小微金融贷款余额8,433.05亿元,比上年末增长13.89%。
  个人理财业务报告期内,公司加快理财产品转型升级,创新推出净值新品悦盈利系列、随心享盈之步步高升系列,丰富实物兑付标的,推出专车理财、果粉理财、歌迷理财、亲子理财等实物收益新品,持续优化理财体验,为个人客户提供集现金管理类、固定期限类、净值类三位一体的理财产品服务和体验。报告期内,个人理财产品销量(含私人银行)5.67万亿元,同比增长1.61%;销售收入27.96亿元,同比增长31.82%。
  借记卡及支付结算业务借记卡业务方面,报告期内公司推出本来生活联名卡、中移动校园联名卡,并实现场景化获客,推出包括银联二维码支付等一系列支付新产品及服务。报告期内公司新发借记卡777.35万张,同比增长13.15%;负债业务方面,构建重点客群差异化负债产品体系,吸引资金流入。大额存单支持批量开立、靠档计息和渠道定向发售。收单业务方面,推出智能POS聚合支付服务、合并对账等功能,新增微信公众号与二维码H5预约链接等互联网获客引流模式。与9家中移动分公司达成智能POS收单业务合作。出国金融业务方面,报告期内公司推出留学汇款产品“海外学费一键汇”,带动出国金融及电子商务跨境业务交易量与收入稳步增长。
  信用卡业务截至报告期末,公司信用卡新增发卡1,358.21万张,累计发卡4,116.52万张,比上年末增长49.24%;流通卡数2,688.49万张,比上年末增长59.31%;流通户数2,279.55万户,比上年末增长50.89%;信用卡透支余额4,180.78亿元,比上年末增长56.71%。报告期内,通过深耕客户经营,信用卡交易额达11,930.58亿元,同比增长76.33%;信用卡业务总收入487.51亿元,同比增长125.00%。截至报告期末,信用卡不良贷款余额55.26亿元,不良率1.32%,比上年末增长0.11个百分点,风险水平整体平稳可控。
  私人银行业务报告期内,公司私人银行业务聚焦“以客户为中心,提升私人银行客户综合贡献度”,围绕“客户服务专业化、产品创设多元化、渠道开拓立体化”创新转型方向,通过加强队伍建设、深化投资研究、丰富产品供给、探索大数据营销、拓展企划宣传、升级平台建设、强化风险管理等基础性工作,进一步夯实私行业务发展的基础,推进私人银行业务实现跨越式发展。报告期内客户规模和经营业绩均快速增长,继续保持同业第二梯队前列。截至报告期末,公司私人银行客户数1.81万户,私行客户金融资产规模近3,670.78亿元,户均2,028.06万元,净收入42.02亿元。
  6.7.3.3金融市场与金融机构业务报告期内,公司主动顺应监管要求,强化客户经营,加大产品和业务创新力度,优化业务结构,紧抓市场机遇,提升经营效益、强化风险管控。截至报告期末,公司主动运作资金类资产规模1.72万亿元。报告期内,实现金融市场业务营业净收入316.81亿元,同比减少34.25%。
  投资交易业务债券交易方面,公司把握市场趋势变动,提高交易和投资能力,积极参与“债券通”和代理境外央行等业务,不断提升市场影响力。
  外汇交易方面,公司把握利率、汇率市场化机遇,重视产品及模式创新,业务全面覆盖个人、公司及同业客户,在稳步发展传统业务即远、掉期交易的基础上,重点突破结构类产品,大力开展期权组合产品等外汇交易,进一步提升自营及代客交易能力和市场综合影响力。
  金融机构业务报告期内,公司深化客户经营模式,积极应对市场变化,聚焦细分客群,强化营销过程管理,持续打造资金网、授信网、代理网。截至报告期末,各类中资金融机构授信客户531家,比上年末增长4.53%;非存款类金融机构负债余额10,635.16亿元,比上年末增长49.33%;同业代理业务规模进一步扩大,CIPS跨境人民币支付系统代理同业客户数119户;证券存管业务合作覆盖率达到79%以上,批量开展银证互联网存管开户业务合作。公司成功推出“e同行”同业线上合作平台,“外滩12号同业合作沙龙”商标成功注册,市场影响力不断提升,初步形成线上线下一体化同业交流合作模式。
  资产管理业务报告期内,公司管理资产规模平稳增长,资产结构进一步优化;围绕重点领域,有序推进理财资产投放;不断丰富理财产品体系,优化产品结构,满足客户全方位需求;加强风险管理和控制,严格遵守监管机构的规范指引,不断提升内部风险管理水平和能力。报告期内实现业务收入139.08亿元,同比增长8.12%。
  资产托管业务报告期内,公司持续加强协同营销机制建设,积极推进新一代托管系统建设和托管业务总行集中运营,不断夯实业务发展基础,确保资产托管业务持续快速增长。截至报告期末,资产托管业务规模10.28万亿元,比上年末增长35.98%。报告期内,实现托管费收入37.18亿元,同比增长5.06%。
  6.7.3.4渠道与服务网点建设报告期内,公司新设机构40家,其中一级分行2家,二级分行3家,同城支行27家,社区、小微支行8家,机构终止营业84家。截至报告期末,公司已在31个省、直辖市、自治区以及香港特别行政区、新加坡、伦敦开设了42家一级分行,共1,799(含总行本部)个分支机构。
  为有利于资源整合和效能提升,增强区域竞争力,理顺行政和隶属关系,经向安徽省银监局报告并换发金融许可证,自2017年9月6日起,芜湖分行并入合肥分行,作为合肥分行下辖二级分行。
  电子银行报告期内,公司全面推进和落实数字化战略。推出全新的智能投顾“极客智投”,应用大数据和深度学习模型,实现客户分析、策略制定,给客户提供更专业的财富顾问服务。推出智能APP,通过声音、人脸识别等方式进行交易验证,通过会话即可选择并购买理财产品;完成开放式金融平台的基础构建,与京东金融、马上理财等平台开展“靠浦e投”合作。应用移动通信技术,提升移动端交易的安全性。
  截至报告期末,个人手机银行客户2,706.06万户,比上年末增长42.42%,报告期内交易笔数9.54亿笔,交易金额5.15万亿元;互联网支付绑卡个人客户2,152.70万户,比上年末增长64.68%,报告期内交易笔数20.35亿笔,交易金额1.085万亿元;个人网银客户2,507.93万户,报告期内交易笔数23.71亿笔,交易金额11.21万亿元;现金类自助设备保有量7,308台,各类自助网点4,131个;电子渠道交易替代率95.87%。
  运营支撑报告期内,公司加快构建“轻前台、强后台、稳内控”的新型运营模式,助推网点轻型化转型,深化差异化服务。对接前台部门,主动走入企业。信用运营服务等级协议(SLA)签约范围由公司、零售条线拓展至金融市场业务。持续推进厅堂6S服务,上海分行营业部等5家营业机构荣获百佳示范,48家网点获评“五星级”网点。加强数字化工作,全力支持新一代核心系统投产上线;承接企业级客户信息管理等6个系统管理工作。提升运营数字化水平,加大集约化推进进程。持续推进远程集中授权、远程集中见证、外汇汇出汇款集中处理等集约化项目建设。在确保服务效率的基础上,加强风控和效能。启动“基石计划”,构建运营知识共享平台和模拟体验平台,通过数字化方式有效支撑运营培训。全面开展平安运营活动,在加强公司内控教育的同时,开展了各类检查监督,所有问题均纳入整改,守住了风险底线。
  6.7.3.5人力资源管理报告期内,公司强化执行,围绕建立战略人力资源管理的整体目标,在人力资源规划配置、人力资源基础和制度建设、岗位和薪酬体系优化、员工绩效管理体系建设、干部员工队伍建设、以及机构管理等方面统筹推进,各项工作都取得了良好进展。一是抓好岗位分类与价值评估重点项目,进一步夯实和优化人力资源管理基础;二是做好人员和网点两个控制,不断提升集约化运作能力;三是抓好公司党建工作、薪酬与考核优化、分行组织人事工作考核评价三项重点工作,提升管理效能;四是搭建人力资源运营视图、人才发展、统一招聘、绩效管理四个平台,提升人力资源数字化水平;五是推进干部人才队伍建设,加强人才储备与开发,为公司可持续发展提供人才支撑。

  三、关于未来发展的讨论和分析
  6.9.1 2018年度公司经营计划
  1.营业收入力争达到1,620亿元左右,较2017年增长0.8%左右;
  2.净利润力争实现518亿元左右,与2017年相比保持正增长;
  3.年末不良贷款率力争控制在2%左右,拨备覆盖率符合监管要求。
  6.9.2可能面对的风险从经济金融形势看,世界经济缓慢复苏,国内经济运行总体稳中向好,结构持续优化,货币政策保持稳健中性,供给侧结构性改革深入推进,部分行业和地区的风险依然存在,银行业面临的经营风险仍不容忽视。
  从监管环境来看,商业银行在宏观审慎评估体系、全面风险管理等领域面临更加审慎的监管要求,这要求商业银行加强合规管理,加快转变经营方式。从竞争环境来看,利率市场化和金融脱媒不断深化,银行产品定价、资产获取、风险管理等能力均面临较大挑战。同时,金融科技企业加速兴起,也对传统银行业务带来较大的冲击。
  6.9.3 2018年度管理措施公司将深入贯彻落实党的十九大、全国金融工作会议、中央经济工作会议精神,按照“回归本源、突出主业、做精专业、协调发展”的经营理念,围绕“调结构、保收入、强管理、降风险”经营主线,推进一流数字生态银行建设和五年规划实施,为实现公司高质量发展起好步、开好局。
  一是加大结构调整,推动各领域协调发展。加强资产负债结构调整,确保利息收入稳中有升。加快客户结构调整,优化客户经营模式。推动渠道结构调整,实现线上线下一体化。
  推进队伍结构调整,为新一轮发展夯实人才基础。
  二是加强收入拓展,以创新方式和专业能力推动效益增长。零售领域要实现多极均衡发展。公司领域要创新发展轻资产业务。金融市场领域要继续调结构、促转型。深化战略协同,提升集团化国际化服务能力。
  三是强化管理能力,持续提升效率效能、夯实发展基础。推进体制机制改革,创新与优化制度供给。完善资源配置管理,促进均衡协调发展。强化科技引领和运营支撑。提升合规内控质效,促进稳健运行。加强统筹协调,加快推进各类数字化项目实施。
  四是努力压降风险,维护经营成果。强化风险处置化解,深化存量结构调整。加强风险政策和授信管理,引领业务结构优化。夯实管理基础,加强全面风险管理。

  四、公司核心竞争力分析
  本集团深入贯彻落实党的十九大和全国金融工作会议精神,以建设具有核心竞争优势的现代金融服务企业愿景为引领,围绕“以客户为中心,科技引领,打造一流数字生态银行”的战略目标,坚持“回归本源、突出主业、做精专业、协调发展”的经营理念,积极服务实体经济,防控金融风险,深化金融改革,努力实现高质量的发展。
  本集团高度重视“数字化”战略推进,聚焦科技突破,以数字化项目为抓手推进公司数字化转型,实现增长动力转换。完成了新一代核心系统的规划、实施与上线,科技与业务融合进一步加强,对业务的驱动力大幅提升,为集团数字化战略实施打下了良好的基础;通过数字化转型,本集团在产品与服务敏捷创新能力、业务高增长系统支撑能力、业务连续性保障能力、用户数字化服务与经营能力等方面有了新的进展。
  本集团持续提升集约化、专业化经营管理水平,可持续发展能力不断增强。构建了横向到边、纵向到底、“全员、全流程、全覆盖”的风险管控体系,加快推进数字化技术在风险管理领域的运用,持续加强合规内控和审计管理;建立了公司层面的资本资源动态配置机制;积极推进“轻、强、稳”运营模式建设,强化总行集约作业、促进网点减员增效,助力重点业务发展,提升内控水平;优化了选人用人机制,推进公司干部与各类人才整体开发与统筹培养,持续强化了干部队伍管理与监督。
  本集团的经营领域已扩展至基金、信托、租赁、境外投行、科技银行、村镇银行、货币经纪等多个金融业态。着力推进集团业务协同,有序开展集团综合营销,推动银行与各子公司、总分行、业务板块之间加大客户共享与业务协同;加快国际化经营进程,积极服务实体经济走出去,在开设香港分行、新加坡分行、伦敦分行、浦银国际控股有限公司的基础上,进一步整合了集团范围内的境外机构,打造涵盖离岸、自贸区和海外分行在内的国际业务经营平台。 收起▲

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