编者按：8月16日，"2025资产管理年会"在上海举办。"资产管理年会"始于2007年，历经十余年积淀， 目前已是国内资管行业最具影响力的盛事之一。本届年会聚焦主题"破局与重构——大资管再造竞争 力"，金融监管部门、权威专家学者、各大机构的负责人等千余名资管人士参加会议并围绕大资管发展 趋势、多元资产配置等重要议题展开分享和讨论，本专题特刊精选了部分会议内容予以刊发。 本报记者 吴霜 8月16日，由南方财经全媒体集团指导，21世纪经济报道主办、浦发银行联合主办的"2025资产管理年 会"在上海浦东隆重举办。 "肩负金融强国的使命、践行金融为民的责任，是资管行业回归初心，再造竞争力的力量之源"，在主论 坛上，浦发银行董事长、党委书记张为忠表示，近年来，资管行业迎来了"天时、地利、人和"的发展契 机，正加快从"规模扩张"向"质量提升"转变，浦发银行将以"一个中心、四化发展"，全面融入到上海国 际金融中心建设的大局之中。 近年来，浦发银行确立了"数智化"战略，明确深耕科技金融、供应链金融、普惠金融、跨境金融、财资 金融五大赛道，强化数字基建、数字产品、数字运营、数字风控与数字生态"五数"建设，打造差异化竞 争优势。 ...

"拿着原有的科技金融发展的旧地图，是找不到新大陆的。"浦发银行总行科技金融部副总经理钟泉表 示，当下，银行已经变成了一个"泛金融服务公司"。通过银行科技金融适配的能力，去解决中小企业的 起步点、痛点、关键点的难题，这才是科技金融服务实体经济的"质"。 浦发银行最新披露的半年报显示，截至今年6月末，该行服务科技型企业超24万户，包括全国超过70% 的科创板上市企业；科技金融贷款（中国人民银行统计口径）增长超1000亿元，余额突破10000亿元， 居股份制银行前列。 以"伙伴思维"重构服务内涵 上海擎朗智能科技有限公司（简称"擎朗智能"）是全球领先的"通用+专用"人形机器人公司，拥有多形 态具身服务机器人产品矩阵。 "我们在2018年建立了全球第一条服务机器人量产产线，而后在2024年建成自有机器人研发生产基 地。"擎朗智能相关负责人告诉上海证券报记者，目前，公司已发展成为"通用+专用"人形机器人领域头 部玩家，拥有业内最完整的产品线，包括人形机器人、清洁机器人、配送机器人等，在全球部署超过10 万台机器人，业务覆盖60多个国家、600多个城市，应用于海内外百余家连锁酒店、餐饮、医院、写字 楼、学校、机场等室内服 ...

Core Viewpoint - The semi-annual reports from several listed banks indicate a significant divergence in wealth management business performance, influenced by macroeconomic conditions, regulatory policy adjustments, and intensified market competition. Institutions with wealth management subsidiaries generally experienced growth, while some regional banks without such subsidiaries faced contraction pressures [1]. Group 1: Bank Performance - Shanghai Pudong Development Bank reported operating income of 98.765 billion yuan and net profit of 32.052 billion yuan, with wealth management scale reaching 1.337559 trillion yuan [2]. - Hangzhou Bank achieved operating income of 38.621 billion yuan and net profit of 14.135 billion yuan, with wealth management scale at 514.392 billion yuan [2]. - CITIC Bank's operating income was 125.689 billion yuan, net profit at 41.267 billion yuan, and wealth management scale (including entrusted) reached 2.132203 trillion yuan [2]. - Suzhou Rural Commercial Bank reported operating income of 5.873 billion yuan and net profit of 2.165 billion yuan, with wealth management scale at 14.891 billion yuan [2]. - Qingnong Commercial Bank's wealth management scale decreased to 30.801 billion yuan from 31.631 billion yuan year-on-year, with a slight increase in intermediary business income [3][4]. Group 2: Industry Trends - As of June 30, 2025, the total scale of the bank wealth management market reached 30.67 trillion yuan, reflecting a 2.38% growth since the beginning of the year, following a contraction in the first quarter [3]. - The proportion of open-ended net value products has significantly increased, with fixed-income products accounting for 97.2% of the total, and products with a maturity of less than one month rising to 21.2% [3]. - Analysts predict that the divergence in bank wealth management business will continue, with banks possessing wealth management subsidiary licenses and strong product innovation capabilities likely to gain competitive advantages [4]. - The market scale is expected to exceed 32 trillion yuan in the second half of the year, with short-term, low-volatility fixed-income products remaining the mainstream investment choice [4].

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) reported strong performance in the first half of 2025, driven by its "digital intelligence" strategy, achieving growth in both revenue and profit [1][3] Financial Performance - In the first half of 2025, SPDB achieved operating income of 90.559 billion yuan, a year-on-year increase of 2.62%, and a net profit attributable to shareholders of 29.737 billion yuan, up 10.19% [3] - The growth rates for revenue and net profit expanded compared to the first quarter, with increases of 1.31 percentage points and 9.17 percentage points, respectively [3] - Loan growth exceeded the total increase for the previous year by 65%, with loans in the "five major tracks" accounting for 70% of the new loans [3][5] Asset Quality - As of the end of June, SPDB's non-performing loan ratio improved to 1.31%, the best level since 2015, while the provision coverage ratio reached 193.97%, surpassing 190% for the first time since 2016 [4] Strategic Initiatives - The "five major tracks" initiative is a key part of SPDB's implementation of its "digital intelligence" strategy, focusing on differentiated and high-quality financial services for the real economy [5] - SPDB served over 240,000 technology enterprises, with technology finance loans exceeding 100 billion yuan, and the balance surpassing 1 trillion yuan [5] - Supply chain finance saw significant growth, with online business volume reaching 358.265 billion yuan, a year-on-year increase of 382.82% [5] Digital Transformation - SPDB has integrated digital technology into its operations, enhancing customer service and operational efficiency through platforms like "PuHui LaiLe" and mobile banking [6] - The bank has established a comprehensive domestic computing power platform and is advancing the application of artificial intelligence across over 50 benchmark scenarios [6][7] - The implementation of digital intelligence strategies has redefined asset growth engines and improved the sustainability of performance growth [7]

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) reported a strong performance in the first half of 2025, with both revenue and net profit increasing, alongside a significant reduction in non-performing loan ratio to the lowest level since 2015 [2][4][5]. Financial Performance - SPDB achieved operating income of 90.559 billion yuan, an increase of 2.62% year-on-year, and a total profit of 33.138 billion yuan, up 9.84% year-on-year [4]. - The net profit attributable to shareholders reached 29.737 billion yuan, reflecting a growth of 10.19% year-on-year [4]. - Interest income was stable at 58.307 billion yuan, with a slight increase of 0.45% year-on-year, while non-interest income rose to 32.252 billion yuan, a growth of 6.79% [4]. Asset Quality - The non-performing loan ratio decreased to 1.31%, down 0.05 percentage points from the end of the previous year, marking the lowest level since 2015 [5]. - The provision coverage ratio improved to 193.97%, surpassing the 190% threshold for the first time since 2016 [5]. Cost Management - SPDB implemented strict cost management measures, resulting in a reduction of annual rental costs by 9.444 million yuan, achieving a rental reduction rate of 17.8% [8]. - The bank's net interest margin stood at 1.41%, with a narrowing decline of 1 basis point compared to the end of 2024, indicating stabilization [7][8]. Corporate Banking Focus - SPDB's corporate banking segment remains a key growth area, with the number of corporate clients reaching 2.4369 million, an increase of 2.89% year-on-year [9]. - Corporate loan balance grew by 9.13% year-on-year, reaching 37.93284 billion yuan, while corporate deposits increased by 7.99% [9][10]. Digital Transformation Strategy - The bank is focusing on a digital transformation strategy, emphasizing the development of "super platforms, super products, and super systems" to enhance operational efficiency and customer service [11]. - SPDB aims to leverage technology to drive business upgrades and improve service delivery across various financial sectors [11].

带着2025年上半年营收净利双增、不良率降至2015年以来最低水平的"成绩单"，浦发银行于8月28日召开半年度业绩说明会。会上，管理层围 绕成本管理、净息差企稳、对公业务突围及数智化转型等话题，回应市场关切。在谈及成本时，该行行长谢伟用房屋租金"算账"举例，通过严 格审核房产续租事宜，压降年化租金9444万元，同时盘活闲置房产资源，更提升了资产使用效率。对公业务作为浦发银行传统优势领域为业绩 增长带来支撑，公司客户数增至243.69万户，对公贷款余额同比增长9.13%。面向下半年，浦发银行也明确了数智化转型的核心方向，将聚 焦"超级平台、超级产品、超级系统"三大建设任务，以技术赋能业务升级。 不良率降至2015年以来最低水平 继2024年净利润重回正增长之后，2025年上半年浦发银行交出了一张"双增"答卷。 8月27日，浦发银行发布2025年半年度报告，今年上半年，该行实现营业收入905.59亿元，同比增加23.11亿元，增长2.62%；实现利润总额 331.38亿元，同比增加29.68亿元，增长9.84%；归属于母公司股东的净利润297.37亿元，同比增加27.49亿元，增长10.19%。 报告期内，浦发银 ...

"数智化战略既保证了我们有较好的业务增速，也让我们的增长更加安心、放心。"谢伟说，上半年"五 大赛道"品牌全面打响，成为了贷款投放的主力。今年上半年，浦发银行贷款增长了2400亿元，新增量 已超过去年全年增量的65%。 谢伟表示，"数智化"战略的实施提升了业绩增长的未来可持续性。"通过加强数智技术与金融业的深度 融合，来推动我们的体系化运营。例如，上半年推出的'浦惠来了'平台已经新增注册用户超百万户。相 信随着我们客户数量和质量的进一步提升，将为未来的可持续发展奠定坚实的基础。" 在"五大赛道"基础上，浦发银行下半年将聚焦"三超"建设，包括超级平台、超级产品、超级系统，引领 关键领域突破，打造差异化的市场竞争力。 值得关注的是，浦发银行持续深耕长三角区域，将其作为重要战略支点和增长极。康杰介绍，浦发银行 长三角区域贷款总额接近2万亿元，占全行总量的35%。存款总额超过2.5万亿元，占全行的45%，存贷 规模均居于股份制银行首位。 康杰表示，长三角是"兵家必争之地"，浦发银行对于长三角区域的业务开展有精细化的部署。目前，浦 发银行在长三角区域的运营机构有500多家，覆盖了30多个地区。下一步将按照区域化、特色化 ...

转自：新华财经 中报显示，在"数智化"战略引领下，浦发银行聚焦的科技金融、供应链金融、普惠金融、跨境金融、财资金融"五大赛道"对业绩的贡献度正加速显现。2025 年上半年，浦发银行"五大赛道"贷款新增占比达七成，长三角区域增量占比达57%。重点区域已逐步成为贷款投放主力，并保持市场较优水平。 "数智化战略既保证了我们有较好的业务增速，也让我们的增长更加安心、放心。"谢伟说，上半年"五大赛道"品牌全面打响，成为了贷款投放的主力。今年 上半年，浦发银行贷款增长了2400亿元，新增量已超过去年全年增量的65%。 谢伟表示，"数智化"战略的实施提升了业绩增长的未来可持续性。"通过加强数智技术与金融业的深度融合，来推动我们的体系化运营。例如，上半年推出 的'浦惠来了'平台已经新增注册用户超百万户。相信随着我们客户数量和质量的进一步提升，将为未来的可持续发展奠定坚实的基础。" 在"五大赛道"基础上，浦发银行下半年将聚焦"三超"建设，包括超级平台、超级产品、超级系统，引领关键领域突破，打造差异化的市场竞争力。 值得关注的是，浦发银行持续深耕长三角区域，将其作为重要战略支点和增长极。康杰介绍，浦发银行长三角区域贷款总额接近2 ...

Investment Rating - The investment rating for the company is "Buy" [6] Core Views - The report highlights that the company is continuously optimizing its credit structure, enhancing its risk compensation ability, and achieving stable profit growth momentum. The projected growth rates for net profit from 2025 to 2027 are 10.48%, 9.56%, and 8.19% respectively [12] Financial Performance - In the first half of 2025, the company achieved a revenue of 90.6 billion yuan, a year-on-year increase of 2.62%, and a net profit attributable to shareholders of 29.7 billion yuan, a year-on-year increase of 10.19% [1] - The net interest margin for the first half of 2025 was 1.41%, showing a slight decline of 1 basis point compared to the previous year [2] - The company experienced a decrease in credit costs, contributing positively to performance growth [2] Asset and Liability Management - As of the end of Q2 2025, total assets reached 9.65 trillion yuan, with total loans amounting to 5.63 trillion yuan, reflecting year-on-year growth of 4.2% and 6.0% respectively [5] - The total deposits at the end of Q2 2025 were 5.59 trillion yuan, representing a year-on-year growth of 12.0% [10] Asset Quality - The non-performing loan ratio at the end of Q2 2025 was 1.31%, a decrease of 2 basis points from the previous quarter, while the provision coverage ratio improved to 194.0% [11] - The report indicates that the company has enhanced its risk compensation ability, with a provision coverage ratio of 193.97% and a loan-to-provision ratio of 2.54% [11] Future Outlook - The company is expected to maintain a stable growth trajectory in net profit, with a focus on optimizing its credit structure and improving deposit growth [12]

瑞财经 王敏 8月27日，上海浦东发展银行股份有限公司（以下简称"浦发银行"）发布2025年半年度报告，实现营收净利双增。 截至2025年6月末，集团资产总额为96，457.91亿元，较上年末增加1，839.11亿元，增长1.94%；其中，本外币贷款总额（含票据贴现） 为56，349.31亿元，较上年末增加2，434.01亿元，增长4.51%。集团负债总额88，445.39亿元，较上年末增加1，274.40亿元，增长 1.46%；其中，本外币存款总额为55，943.08亿元，较上年末增加4，483.49亿元，增长8.71%。 | | | | | | | 早饭:人民中力元 | | --- | --- | --- | --- | --- | --- | --- | | 姓名 | 脱条 | 性 | 出生 | 任职起止日期 | 报告期内从公 司获得的税前 | 在关 联方 | | | | 副 | 年份 | | 报酬 | 获取 | | | | | | | | 报酬 | | 张为思 | 党委书记、董事长、执行董事 | 場 | 1967年 | 2023.11.17-换届止 | 85.68 | 日 | | 谢 伟 | 党委副书 ...