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《大行報告》中金:工行(01398.HK)藉金融科技重塑經營模式 有利營運及風險管控
阿思達克 12-30 14:47
中金公司發表研究報告表示,工商銀行(01398.HK)相當重視金融科技發展,去年科技投入164億元人民幣,佔營收的1.9%,近年又設立金融科技部、業務研發中心、數據中心、軟件開發中心、數據智能中心和信息安全運營中心等,看好該行運用科技賦能零售、企業、政府及同業四大金融服務領域,有助在獲客、營運和風控方面提升競爭力。

該行認為,相比互聯網金融科技平台,工行在對金融業務的理解、安全運營、合規運營上有一定優勢,對金融業務的理解更為深入,結合科技在安全運營和合規營運方面較優勝,加上該行業務範圍廣,相比互聯網金融科技平台只做小額支付、小額貸款、投資管理等,工行的科技需支撐全領域業務,包括大額交易、大額投資、金融市場等。

中金表示,目前股價為2021年預測市帳率約0.5倍,維持盈利預測、目標價8.19元及「跑贏行業」評級不變。

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