四大银行的支出超过800亿美元！ 在此领域进行大量投资的银行的实际收益是多少？ _东方财富网

原标题：四大银行支出超过800亿美元！ 在此领域进行大量投资的银行的实际收益是多少？

概括

[Fourmajorbanksspendmorethan80billionyuan!Whatistheactualreturnonbanksinvestingheavilyinthisarea?】InrecentyearsfinancialtechnologyhasbecomeatopicthatcannotbeavoidedinthedevelopmentofthebankingindustryIntherecentlyintensivelydisclosed2020annualreportsoflistedbanksfinancialtechnologyisalreadyahigh-frequencyvocabularyandmanybankshaveincreasedtheirinvestmentinhumanandfinancialresourcesAtthesametimefinancialtechnologyhasachievedremarkableresultsinempoweringtraditionalbusinesses(ChinaSecuritiesJournal)

In recent years, financial technology has becomebankA topic that cannot be avoided in the development of the industry.

Recently intensively disclosed listingsbankIn the 2020 annual report, financial technology is already a high-frequency vocabulary, and manybankIncreased investment in human and financial resources. At the same time, financial technology has achieved remarkable results in empowering traditional businesses.

　　Many banks have invested tens of billions in technology

Guo Shuqing, chairman of the China Banking and Insurance Regulatory Commission, previously introduced at a press conference of the State Council Information Technology Office that in 2020, the total investment in information technology funds of banking institutions will reach 207.8 billion yuan, a year-on-year increase of 20%. Judging from the annual report, many banks have invested tens of billions of dollars in technology.

The annual report shows that in 2020, ICBC’s financial technology investment is 23.819 billion yuan; CCB’s financial technology investment is 22.109 billion yuan, an increase of 25.38% over the previous year, accounting forOperating income2.93% of the total; Agricultural Bank of China’s total investment in information technology was 18.3 billion yuan; and the Bank of China’s investment in information technology was 16.707 billion yuan. The four major banks invested a total of 80.935 billion yuan.China Merchants BankInformation technology investment was 11.912 billion yuan, a year-on-year increase of 27.25%, which was 4.45% of the company’s operating income, an increase of 0.73 percentage points year-on-year.

At the same time, many banks have achieved double-digit growth in their investment in technology. The annual report shows that in 2020, Bank of Communications invested 5.724 billion yuan in financial technology, an increase of 13.45% year-on-year;Industrial BankInvestment in science and technology increased by 36.38% year-on-year, and its proportion in operating revenue increased by 0.42 percentage points to 2.39%;Ping An BankIT capital expenditures and expenses increased by 33.9% year-on-year.

In addition, many banks have also increased the introduction and training of financial technology talents. As of the end of 2020, ICBC has 35,400 financial technology personnel, accounting for 8.1% of the bank’s employees; CCB has 13,100 financial technology personnel, accounting for 3.51% of the group’s headcount;Ping An BankOver 8,500 scientific and technical personnel (including outsourcing);Everbright BankThere were 1965 scientific and technical personnel, an increase of 423 people over the previous year, an increase of 27.43%, accounting for 4.24% of the bank’s employees.

　　“Real money” has achieved obvious results

The investment in “real money” also paid off. Judging from the annual report, financial technology has achieved remarkable results in business empowerment.

For example, the “CCB Huitangyou” APP is a one-stop financial service platform built by CCB for inclusive financial customers such as small and micro enterprises, individual industrial and commercial households, using technologies such as the Internet, big data, and biometrics. “CCB will understand you” toCreditFinancing is the core, integrating functions such as online accurate measurement, appointment opening, loan processing, loan extension, value-added services, and smart empowerment. More than 30 credit products and more than 20 inclusive customer group exclusive functions are deployed. Provide one-stop, multi-touch, and zero-distance online services for inclusive financial customers.As of the end of 2020, the number of visits to “CCB Benefits to Know You” exceeded 110 million, the number of downloads exceeded 15 million, the credit amount was 440 billion yuan, and the credit support capacity continued to improve

　　Zheshang BankCreated a comprehensive service platform of “technology + finance + industry + customers”, adhered to the principle of “small decentralization”, applied blockchain, Internet of Things, big data and other technologies, applied big data risk warning and management platform, and risked customers The early warning rate exceeded 90%, which effectively reduced the relevant credit risks. The new NPL rate of platform-based businesses in the past 2-3 years was only 0.15%.

According to the annual report of China Merchants Bank, during the reporting period, the intelligent risk control platform “Libra” reduced the proportion of counterfeit and embezzled amounts by non-cardholders to three ten million; 75.21%, able to send out early warning signals for an average of 20 months before customer failures, and the coverage rate for emerging failures was 86.75%.

　　Fintech subsidiary works well

In recent years, many large and medium-sized banks have successively established financial technology subsidiaries to explore market-oriented financial technology innovation mechanisms. In the annual report, many banks also disclosed the operation of their financial technology companies.

　　ICBCStrengthen the market-oriented construction capabilities of chemical silver technology. Multi-level output of professional scientific and technological capabilities, empowering the group’s major customer business innovation, and undertaking project R&D operation and maintenance of many financial institutions and digital transformation enterprises.Deepen cooperation and win-win, improve the blockchain platform and wisdom of land acquisition and resettlement fund managementSocial securityPublic service platforms, etc., promote the Xiongan cooperation experience to Jiangsu, Beijing and other provinces and cities, and launch 18 financial ecological cloud products in the fields of education, medical care, and corporate services to help smart government and corporate digital transformation.

The Bank of China conducts financial technology innovation, software development, platform operation and technical consulting services through the Bank of China Jinke. As of the end of 2020, Bank of China Jinke has a registered capital of 600 million yuan, total assets of 764 million yuan, and net assets of 615 million yuan. Achieved in 2020Net profit14 million yuan.

AsIndustrial BankTechnology core and innovation incubator, Xingye Digital Finance is fully responsible for the bank’s technology research and development and digital innovation work, and at the same time through cloud computing, artificial intelligence, open API, processrobot, Blockchain and other cutting-edge technologies, provide solutions for the digital transformation of commercial banks, and export technological products and services. In 2020, the export business of Xingye Digital Finance Technology will develop steadily, and the “Xingye Cloud” will be upgraded and promoted. A total of 395 small and medium-sized financial institutions have signed contracts, and a total of 241 have been implemented online.

(Source: China Securities Journal)

(Editor in charge: DF380)