本报记者 杨 洁 银行是金融系统的重要组成部分。据《证券日报》记者梳理，目前已有多家银行（涵盖政策性银行、国 有大型商业银行、全国性股份制银行）陆续召开2026年经营管理工作会议，梳理总结2025年工作，并结 合当前形势，部署安排2026年工作举措，为新的一年谋好篇、布好局、开好头、起好步。 政策性银行是落实国家发展战略的重要平台。中国进出口银行会议要求，强化政治担当，做优业务专 长，积极践行职责使命。持续巩固政策性业务主体地位，提升境外业务核心竞争力，全力落实新型政策 性金融工具投放。 在全国性股份制银行方面，多家银行强调发挥特色优势，提升经营质效。例如，光大银行会议强调，坚 持错位发展打造特色优势，推动营收稳健增长，提升客户经营价值，推动存款成本改善，促进金市业务 专业化经营，着力提高财富管理、投行、托管业务中收贡献，持续做好为基层赋能服务，加快推动数字 化智能化转型；平安银行党委书记、行长冀光恒在该行工作会议中强调，把握"十五五"战略机遇，发掘 新形势下银行发展新动能，把握科技革命时代机遇，将科技战略作为银行发展核心驱动力，全面提升经 营质效。 防控风险是金融工作的永恒主题。前述银行均在会议中强调，树牢 ...

Core Viewpoint - Jiangnan Rural Commercial Bank is actively transforming its risk management approach by leveraging digitalization to create a multi-dimensional, layered, and full-cycle intelligent risk warning system, aiming to shift from passive response to proactive defense in risk management [1] Group 1: Digital Transformation and Data Integration - Before digital transformation, the bank relied on manual surveys and reports for risk warning, which led to delays in identifying credit risks [2] - The bank has established a credit risk warning system that integrates internal and external data sources, including credit systems from the People's Bank, tax departments, and third-party data providers, creating a multi-dimensional data system [2] - A data cleaning and preprocessing mechanism has been implemented to standardize data formats and improve data quality and usability [2] Group 2: Intelligent Warning Model Development - The bank has developed a matrix of intelligent warning models using machine learning and artificial intelligence, combining expert experience with data patterns [3] - Pre-loan models identify potential high-risk clients at the entry point, while in-loan models monitor client behavior and credit status in real-time [3] - Post-loan models detect abnormal fund flows and potential risk contagion, allowing for early warning and intervention [3] Group 3: Risk Signal Management - A four-level classification and response mechanism for risk signals has been designed to prevent "alarm fatigue" from excessive alerts [5] - The classification includes: - Red alerts for severe expected losses requiring urgent action [6] - Orange alerts for significant loss potential needing immediate measures [7] - Yellow alerts for developing risks requiring proactive safety measures [8] - Blue alerts for notifying managers to investigate potential risks [9] Group 4: System Integration and Process Embedding - The risk warning system has been seamlessly integrated with various business processes, creating a comprehensive risk prevention network [10] - Risk signals are embedded in decision-making processes, enhancing the effectiveness of risk management during loan approvals and post-loan monitoring [10] Group 5: Core Management Mechanisms - The bank has established five core management mechanisms to ensure the efficient and secure operation of the warning system, including: - A blacklist mechanism for high-risk clients [11] - A risk supervision mechanism for significant risk signals [11] - A penetration mechanism for associated risks [11] - An emergency mechanism for major risk signals [11] - An information sharing and confidentiality mechanism to enhance collaborative risk management [11] - The intelligent risk warning system represents a comprehensive transformation in risk management philosophy, organization, and culture, aiming for a more intelligent, precise, and agile risk management ecosystem [11]

Core Insights - State-owned banks are embracing financial technology to reshape inclusive financial service models, injecting vitality into key areas such as small and micro enterprises, rural revitalization, and technological innovation [1][2] Group 1: Digital Transformation in Financial Services - Traditional inclusive financial services face challenges such as high reliance on physical branches, cumbersome documentation, and long approval cycles, limiting financial resource penetration into weaker segments [2] - State-owned banks have completed the online transformation of traditional inclusive products, allowing small and micro enterprises to access services through various digital channels, providing real-time, efficient, and self-service financial solutions [2][3] Group 2: Innovative Product Development - A state-owned bank has developed an online credit model utilizing big data technology, enabling batch customer acquisition, automatic approval, and centralized risk control [3] - The transition from online to intelligent financial services marks the evolution to a 2.0 phase, where artificial intelligence enhances product recommendations and customer service [3] Group 3: Comprehensive Financial Ecosystem - State-owned banks are creating comprehensive inclusive financial service platforms that offer 24/7 contactless services, integrating loan processes with additional services like financial management and legal consulting [4] - Another bank has utilized natural language processing to build a cross-border matching platform, facilitating enterprise connections and conducting over a hundred cross-border matching events [4] Group 4: Intelligent Risk Management - Long-standing financing challenges for small and micro enterprises stem from high perceived risks due to information asymmetry and weak risk-bearing capabilities [5] - State-owned banks are employing cloud computing, big data, and artificial intelligence for comprehensive risk prevention, integrating various data sources to enhance credit assessment and fraud detection [6][7] Group 5: Digital Operations and Efficiency - The shift towards digital operations has led to increased customer numbers and operational pressures, prompting state-owned banks to explore new business operation models [8] - Banks are leveraging technologies like OCR and RPA to automate processes, enhance service efficiency, and reduce operational costs while maintaining consumer rights protection through a complaint profiling system [9]

Core Viewpoint - The article highlights the performance of Industrial and Commercial Bank of China (ICBC) in the first half of the year, emphasizing its stable revenue growth and asset quality despite a slight decline in net profit, positioning it as a resilient player in the banking sector amidst challenging market conditions [1][2][3]. Financial Performance - ICBC reported a revenue of 409.08 billion yuan and a net profit of 168.10 billion yuan, with year-on-year growth rates of 1.8% and a decline of 1.39% respectively [1]. - The bank maintained an asset growth rate of 7.16%, with total assets exceeding 52 trillion yuan, and deposits and loans growing by 5.9% and 6.4% respectively compared to the beginning of the year [1]. - The bank's revenue growth returned to positive territory, with an increase of 8.03 percentage points compared to the same period last year, marking the best performance in three years [3]. Asset Quality - ICBC's asset quality remained stable, with a non-performing loan ratio improving to 1.33% and a provision coverage ratio increasing to 217.71% [2][5]. - The bank's capital adequacy ratio rose to 19.54%, indicating a strong capital position [5]. Core Business Strengths - ICBC leads the market in loans to manufacturing and strategic emerging industries, with loan balances exceeding 5 trillion yuan, 4 trillion yuan, and 6 trillion yuan respectively [5]. - The bank's annualized Return on Assets (ROA) and Return on Equity (ROE) were maintained at reasonable levels of 0.67% and 8.82% respectively [5]. Technological Investment - The bank's investment in financial technology accounted for 3.63% of its operating income, with 8.6% of its workforce dedicated to technology roles [6]. - ICBC has enhanced its intelligent risk control capabilities, applying its enterprise-level intelligent risk control platform across all domestic branches [6]. Market Position and Valuation - ICBC's dividend yield stands at 4.15%, leading among its peers, with a total cash dividend of approximately 50.40 billion yuan for the year [9][10]. - The bank's price-to-book (PB) ratio is at 0.72, significantly lower than its historical average, indicating a strong valuation margin [11][12]. - The bank's stock has shown a three-year annualized return of 19.34%, outperforming the broader market [8]. Future Outlook - The macroeconomic policies are expected to provide a favorable environment for ICBC's business expansion, aligning with national development strategies [7]. - The bank's ability to maintain stable dividends and low valuations positions it as an attractive investment option for long-term investors [14][15].

Financial Data and Key Indicator Changes - Total assets reached TWD 52 trillion, with loans exceeding TWD 30 trillion, an increase of TWD 1.8 trillion, and customer deposits nearly TWD 37 trillion, up by TWD 2.1 trillion [4] - Operating income was TWD 409.1 billion, up by 1.8% [4] - Net profit reached TWD 168.8 billion, maintaining a leading position [5] - Return on Assets (ROA) and Return on Equity (ROE) were 0.67% and 8.82% respectively, with a cost-to-income ratio of 25.27% [5] - Net Interest Margin (NIM) was 1.3%, a decrease, while the Capital Adequacy Ratio (CAR) was 19.54% [6] Business Line Data and Key Indicator Changes - Corporate loans increased by TWD 1.35 trillion, with personal loans maintaining rapid growth [8] - SciTech loans totaled TWD 6 trillion, up by 20%, while green loans exceeded TWD 6 trillion, up by 16.4% [8] - Pension finance loans increased by 17.3%, with over 2 million customers [9] - Loans invested in the manufacturing industry totaled TWD 200 billion, with long-term loans at TWD 2.4 trillion [9] Market Data and Key Indicator Changes - The number of personal customers in mobile banking and users in e-commerce continues to lead the market [9] - The international network reached 69 countries and regions, with over 400 overseas institutions [13] - Cross-border RMB business totaled TWD 5.1 trillion [12] Company Strategy and Development Direction - The company focuses on five transformations: intelligent risk control, modern layout, digital driver, diversified structure, and ecological foundation [3][10] - The strategy emphasizes high-quality development while supporting the economy's recovery [4] - The company aims to enhance its internationalization and diversification to tackle low NIM environments [35] Management's Comments on Operating Environment and Future Outlook - Management highlighted the importance of balancing growth with stability, aiming for average growth rather than excess [25][31] - The outlook for the second half of the year anticipates continued pressure on NIM, but with a narrowing pace of decline [64] - The company remains confident in its ability to maintain stable NIM and support the real economy [64] Other Important Information - The company distributed TWD 109.8 billion in cash dividends, with a dividend yield of approximately 4.25-4.58% [7][32] - The provision coverage ratio increased to 217.71%, enhancing risk resilience [6][29] Q&A Session Summary Question: Operational highlights in the first half and full year growth expectations - Management emphasized achieving positive growth in operating income and net profit, aligning with market trends and supporting the real economy [24][26] Question: Measures taken to maintain asset quality and increase personal consumption loans - Management detailed proactive credit risk management and a focus on major national strategies to ensure stable development [38][39] Question: Progress in internationalization and diversification - The company reported steady progress in its international network and diversification efforts, supporting foreign trade and capital [48][50] Question: Outlook on NIM stability - Management acknowledged a decline in NIM but expressed confidence in maintaining competitive advantages through effective asset-liability management [59][64] Question: Investment and financing sectors - The company highlighted targeted investments in technology finance and support for new productive forces, maintaining a leading position in the market [70][72] Question: Capital planning and future dividend policy - Management confirmed a focus on maintaining a strong capital adequacy ratio and a stable dividend payout ratio, with plans for future capital improvements [88][91]

Core Viewpoint - The merchant cash register and settlement account management system provides a comprehensive solution designed for multi-merchant cooperation and platform enterprises, enabling precise, efficient, and secure fund distribution through automated rules, real-time clearing, and compliance risk management [1][3] Group 1: System Core Functions - The solution supports seamless integration with various payment tools, including offline POS machines and online payment platforms, ensuring real-time synchronization of all payment data [3][4] - Customizable fund distribution rules allow businesses to define specific allocation methods, such as fixed percentages or amounts, accommodating complex partnership models [3][4] - The system automates fund clearing and reconciliation, generating real-time clearing instructions and comparing distribution data with bank statements to eliminate manual errors [4] Group 2: Technical Advantages - The incorporation of blockchain technology enhances fund security by ensuring that distribution records are immutable and trustworthy, preventing data tampering and fund misappropriation [6] - An intelligent risk control system monitors abnormal transactions in real-time, adhering to financial regulations and generating compliant tax documentation [7] - The system's distributed architecture supports high concurrency, capable of handling thousands of transactions per second, ensuring stability during peak business periods [7] Group 3: Versatile Application Scenarios - The solution is applicable across various industries, including e-commerce for real-time merchant settlements, chain restaurants for fund distribution between headquarters and stores, and shared economy sectors for efficient revenue sharing [8] - It effectively addresses fund allocation challenges in supply chain finance, ensuring accurate settlements between suppliers and core enterprises [8] Group 4: Implementation Process - The implementation process is efficient, involving business requirement analysis, system configuration, integration with existing payment systems, data migration, and staff training, typically completed within 1-3 months [9] - Continuous technical support is provided post-implementation to ensure long-term system stability [9]