齊魯銀行(601665.SH):積極引入大數據風險管理手段
格隆匯4月18日丨有投資者向齊魯銀行(601665.SH)提問:與同業相比,貴行規模、盈利等指標增速較好,請問有何核心競爭優勢?
齊魯銀行回覆:尊敬的投資者,您好!本行堅持審慎穩健經營,固守本鄉本土,專注主責主業,持續打造特色優勢,形成了具有自身特點的核心競爭力。一是運營機制敏捷靈活。持續革新組織架構,不斷完善與地方緊密對接、緊貼市場、緊貼客户、靈活高效的體制機制,組織架構較為扁平化,決策鏈條短,有利於本行提供靈活高效的服務、提高市場反應能力、規避市場不斷變化的風險以及提高客户服務水平。二是戰略方向堅定。按照六大業務板塊戰略定位,即“零售金融是高質量發展戰略基石,縣域金融是城鄉一體發展抓手,普惠金融是可持續發展新引擎,公司金融是全行業務重要支柱,金融市場是全行重要利潤中心,互聯網金融是線上獲客經營渠道”,持續創新商業模式、加快數字轉型賦能、推進戰略迭代升級,強化人才、科技、運營、戰略支撐保障,一體化推進全行各業務板塊聯動協同發展,提升金融綜合服務能力。三是風控防線夯實。堅決築牢風控防線,逐步形成了與業務發展相適應的風險管理和內控合規體系。持續完善全面風險管理體系建設,積極引入大數據風險管理手段,完善風險識別、計量工具和方法,風險管理水平不斷提升。謝謝!
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