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《大行报告》中金料建行(00939.HK)资产负债表快速修复 现处业绩「V」型反转起点
阿思达克 03-08 14:27
中金发表报告指,建行(00939.HK)建行於3月5日举办智慧政务主题交流活动,生动介绍智慧政务推出背景和取得成效等。智慧政务赋能G端场景,进而链接B和C端,大幅提升了建行快速触达和有效服务客户的能力,助力建行打造「二次成长曲线」。向前看,看好建行通过智慧政务平台服务国家战略和提升政府治理能力同时提升商业价值。

该行表示,智慧政务是什麽是建行为政府搭建的全事项、全流程、全覆盖、全场景应用的务便民综合性服务平台,使B、C端用户在移动端和PC端快捷办理相关政务服务,如线上提交工程项目审批、线上补办身份证等,解决政府堵点、社会难点、民生痛点。

该行提到,目前建行已与全28个省政府签约,13个省项目已落地,政务平台注册用户突破1.2亿人,办件量9.5亿。向前看,强监管牌照的银行机构更易获得G端用户信赖,智慧政务战略将向更全面更深度方向发展。同时,智慧政务平台业务的发展也帮助了银行员工提高金融科技能力,并培养了「用户思维」,未来随着平台场景生态建设的丰富迭代和数据的合规挖掘应用,平台用户数、活跃度、用户转化率、渠道覆盖、客户价值等有望全面提升,助力建行开拓「二次成长曲线」,也推动公司从传统银行向数字银行转型。

中金维持对建行盈利预测与H股目标价10.17元不变,对应今年0.9倍市账率和57%上涨空间。目前建行H股交易於今年0.6倍市账率。向前看,中金认为建行资产负债表将快速修复,目前处於其业绩V型反转的起点,重申「跑赢行业」评级。

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