SPD BANK(SH:600000) 中国基金报·2025-08-07 13:15Core Viewpoint - The establishment of浦银金融科技有限公司 (浦银金科) marks the addition of another bank-affiliated technology subsidiary, emphasizing the trend of banks investing in fintech to enhance their digital transformation and competitiveness [2][3]. Group 1: Company Overview - 浦银金科 officially opened on August 5, 2025, with a registered capital of 1 billion RMB, fully owned by浦银国际投资 (中国)有限公司. Its main business scope includes financial information technology, outsourcing of financial information technology, and financial business process outsourcing [5]. - The company aims to connect finance with industry through digital technology, facilitating the integration of financial digital products with business operations, thereby enhancing customer value [4]. Group 2: Industry Trends - Since the establishment of the first fintech subsidiary by 兴业银行 in 2015, the number of bank-affiliated fintech subsidiaries has reached 24, including notable entities like 平安壹账通 and 光大科技 [7]. - Major banks are significantly increasing their investments in fintech. For instance, in 2024, 工商银行 allocated 3.63% of its revenue to fintech, while 8.6% of its workforce was involved in this area [7]. - 交通银行 reported a 15.70% increase in fintech personnel in 2024, with their fintech investment accounting for 5.41% of revenue, the highest among the six major state-owned banks [7]. Group 3: Technological Focus - Bank-affiliated fintech subsidiaries typically focus on cutting-edge technologies such as artificial intelligence, big data, blockchain, and cloud computing. This strategic move not only aids in the digital transformation of banks but also fosters collaboration with external tech firms, enhancing the overall digital capabilities of the banking sector [8].