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《大行报告》中金:工行(01398.HK)藉金融科技重塑经营模式 有利营运及风险管控
阿思达克 12-30 14:47
中金公司发表研究报告表示,工商银行(01398.HK)相当重视金融科技发展,去年科技投入164亿元人民币,占营收的1.9%,近年又设立金融科技部、业务研发中心、数据中心、软件开发中心、数据智能中心和信息安全运营中心等,看好该行运用科技赋能零售、企业、政府及同业四大金融服务领域,有助在获客、营运和风控方面提升竞争力。

该行认为,相比互联网金融科技平台,工行在对金融业务的理解、安全运营、合规运营上有一定优势,对金融业务的理解更为深入,结合科技在安全运营和合规营运方面较优胜,加上该行业务范围广,相比互联网金融科技平台只做小额支付、小额贷款、投资管理等,工行的科技需支撑全领域业务,包括大额交易、大额投资、金融市场等。

中金表示,目前股价为2021年预测市帐率约0.5倍,维持盈利预测、目标价8.19元及「跑赢行业」评级不变。

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