随着信息技术的飞速发展，作为金融体系核心的银行业正加速推进数据基础设施的国产化替代。在"数 字中国"政策引领下，信创改造项目正密集落地，无论是国有大行还是区域性银行，都力图实现从底层 基础设施到上层应用的全面自主可控。 值得一提的是，不少区域性银行也在信创改造进程中表现积极，对数据国产化替代的需求同样迫切。 8月6日，江苏昆山农商银行发布关于信创服务器内存扩容采购项目供应商征集公告，计划采购80根 64GB内存用于扩容鲲鹏服务器。同日，河南农商银行发布"灵镜"图智能计算平台项目中标结果公告。 此前几个月，该行就多个信息科技基础设施相关项目进行了招标，包括信贷AI智能双录系统、分布式 微服务技术及工程平台、移动展业平台、实时数据采集平台等。 数据来源：银行公告，李颖超/制表 稍早前的6月14日，苏州农商银行基于"全栈国产化+分布式架构"的核心系统全面投产上线。至此，该行 也成为江苏省首家通过自主研发完成核心系统信创升级的区域性银行。 "随着国家信创战略的深入实施，越来越多银行进行了核心系统的信创改造与升级，其中包括不少中小 银行。"华东地区一位金融科技从业人士向证券时报记者表示，继大型银行率先进行信创改造之后， ...

Core Viewpoint - The company, Zhongke Jiangnan, reported a decline in stock price and provided insights into its 2024 operational performance, highlighting revenue and profit figures across various business segments. Group 1: Stock Performance - As of March 28, 2025, Zhongke Jiangnan's stock closed at 26.33 yuan, down 2.66% from the previous week [1] - The stock reached a high of 27.02 yuan and a low of 25.15 yuan during the week [1] - The company's total market capitalization is 9.367 billion yuan, ranking 49th in the software development sector and 1668th in the A-share market [1] Group 2: 2024 Annual Performance - The company achieved an operating revenue of 820 million yuan in 2024, with a net profit of 140 million yuan after excluding share-based payment expenses [2] - The decline in revenue from electronic payment and smart finance segments was attributed to high upfront costs in digital ticketing, medical insurance, and trademark business areas, along with increased R&D personnel costs [2] - R&D investment for 2024 was 230 million yuan, reflecting a year-on-year increase of 5.38% [2] Group 3: Business Segment Performance - The electronic payment business generated over 480 million yuan in revenue, covering 33 provincial-level, 455 city-level, and 3481 county-level financial units, serving over 28,000 bank outlets [2] - The smart finance business reported approximately 220 million yuan in revenue, maintaining existing clients and assisting in system upgrades [3] - The government and enterprise digital service business achieved over 110 million yuan in revenue, marking a year-on-year growth of 21.17% [4] Group 4: Future Business Strategy - In 2025, the company plans to focus on consolidating its market position in electronic payment and smart finance, enhancing electronic payment processes, and expanding into new regions and clients [4] - The company aims to commercialize and scale its services in key areas such as medical insurance and electronic accounting vouchers as policy conditions mature [4]