21世纪经济报道记者 边万莉 杭州报道 净息差持续承压，经济周期波动影响，零售业务"抗周期"光环褪去。公司金融数字化转型的深度与广 度，正成为银行能否在U型低利率周期中行稳致远的关键变量。 高峰表示，在低利率成为"新常态"的背景下，数智化转型被赋予更深刻的内涵：以数据的流动性替代资 本的高流动性，以算法的极致效率弥补日益收窄的净息差空间。它正从底层重塑公司金融业务的竞争 力。 一是精准定价与动态风控：核心防御壁垒。构建智能差异化定价模型，基于客户综合贡献度（存款、结 算、中收、风险成本）、行业景气度、区域风险、产业链位置等多维因子，实施动态LPR加点机制，彻 底告别"一刀切"粗放定价。利用大数据与AI构建实时风险监测与预警体系，显著提升信贷资产质量管控 能力。 二是降本增效与深度经营：内生动力源泉。AI赋能尽调与洞察，快速智能分析企业财报与经营数据， 大幅提升客户经理尽职调查效率与洞察深度。RPA+AI驱动中后台，自动化处理授信报告生成、合同智 能审查、自动化放款审核、贷后检查报告等环节，释放大量人力投入高价值的客户关系维护与综合解决 方案设计。深化客户全生命周期经营：基于数据洞察提供个性化、定制化的综合金融 ...

简驭万象，智启新程。中邮消费金融致力于打造高效便捷的服务体验，让客户享受"懂你、友你、悦你"的金融服务。中邮 钱包作为服务客户的窗口，本次3.0版本重点围绕交互体验升级、服务功能革新、AI智慧金融、品牌信任强化、鸿蒙生态新体 验五大方向，共对20项核心功能进行全面升级。 珠江潮涌处，数智启新篇。6月12日，中邮消费金融有限公司（以下简称"中邮消费金融"）成功举办"美好生活 邮你开 启"——中邮钱包APP3.0暨数智化生态发布会。中国邮政储蓄银行总行网络金融部、广东省金融科技协会、广州市数字金融协 会相关负责人，以及百行征信、腾讯、阿里、华为、广东银联、广东联通等合作伙伴代表，浙江大学与华南理工大学等专家学 者齐聚一堂，共同见证中邮钱包APP3.0的焕新发布。 在发布会上，中邮消费金融董事长王晓敏提出，中邮消费金融自2015年成立以来，积极响应国家政策号召，在金融"五篇 大文章"的指引下，坚定不移地走在为客户提供优质、便捷金融服务的道路上。十年磨一剑，中邮钱包APP3.0焕新升级，在产 品体系建设、用户体验提升与AI应用领域等多维度实现创新突破，将为支持提振消费提供更好的金融服务。 琴韵功能新章 中邮钱包APP ...

随着数智化时代的到来，银行开始将数据的重要性提升至战略高度，金融创新迅速发展，数据价值的重 要性变得愈发明显。2025年《国务院办公厅关于做好金融"五篇大文章"的指导意见》指出，要加强相关 配套设施建设，通过加强数字技术的深度应用，积极培育金融新质生产力，不断推进金融数智字化转 型，从而推动金融高质量发展。在此背景下，随着分布式架构成为金融核心系统升级的必然选择，存储 技术作为数据承载的"底座"，其性能、可靠性与扩展性成为影响金融机构数智化转型成败的关键。 贵州农信作为贵州省人民政府管理的地方金融机构，自2003年成立以来，始终坚守"根在农村、命在农 业、情系农民"的立社之本，为贵州地方经济社会发展发挥了"农村金融主力军"作用。目前，贵州农信 已发展成为省内业务规模最大、服务覆盖最广、从业人员最多的银行业金融机构，拥有营业网点2293 个，员工2.8万名，存款突破9229亿元，贷款突破7095亿元。在数智化转型的浪潮中，贵州农信选择与 华为合作，旨在通过先进的技术解决方案，提升系统的灵活性、可扩展性和安全性，为客户提供更高 效、便捷的金融服务。 解除金融存储"紧箍咒"需要构建新一代存储网络 在金融行业数智化转 ...

公司动态 6月12日，中邮消费金融有限公司（以下简称"中邮消费金融"）召开"美好生活 邮你开启"——中邮钱包 APP3.0暨数智化生态发布会。中国邮政储蓄银行总行网络金融部、广东省金融科技协会、广州市数字 金融协会等机构代表，百行征信、腾讯、阿里、华为、广东银联、广东联通等企业嘉宾，以及浙江大 学、华南理工大学的专家学者共同出席。中邮消费金融在会上正式发布中邮钱包APP3.0版本，展示了 公司在消费金融领域数智化升级的重要成果。 中邮消费金融董事长王晓敏在致辞中强调，自2015年成立以来，公司始终紧跟国家政策导向，在金 融"五篇大文章"的指引下，致力于提供优质、便捷的金融服务。中邮钱包APP 3.0焕新升级，在产品体 系建设、用户体验提升与AI应用领域等多维度实现了创新突破，将为支持提振消费提供更好的金融服 务。 中邮钱包APP 3.0的升级围绕交互体验、服务功能、AI应用、品牌信任及鸿蒙生态体验五大方向，对20 项核心功能进行了优化。版本优化了用户界面布局，使金融服务更易获取；简化了贷款流程至三步，并 使金融术语更易于理解，从而降低了使用门槛。同时，推出了基于用户行为、信用资产和履约记录等多 维度数据模型的 ...

近日在西安举行的数云原力2025·数智金融论坛上，来自监管、研究机构、学术机构以及金融机构的专家学者汇聚，围绕"金融大模型应用"和"银行转 型新机遇"等话题展开讨论，分享数智化转型建设经验，揭示数智化转型的新起点、新机遇，探讨数智金融发展的新挑战、新实践。 数智化转型锚定发展新坐标 陕西省决策咨询委员会委员、陕西省委金融办一级巡视员张春明在致辞中表示，陕西通过深化科技赋能应用、优化金融服务模式，在缓解中小企业融 资难题，助力乡村振兴、绿色发展等重点领域积极作为，为全省经济高质量发展注入了强劲动力。陕西省委金融办、金融工委将一如既往地高度重视数智 金融发展，持续完善政策支持体系，加强数字金融基础设施建设，为各类金融机构和企业在陕西发展提供全方位、高质量的服务。 神州信息联席董事长王永利表示，AI大模型的广泛应用正成为金融业实现新发展的重大推动力，人工智能已成为重塑金融行业核心竞争力的关键要 素，促使行业迈入金融与科技领域深度融合，积极探索发展新机的关键时点。 人工智能（AI）时代，金融数智化如何应对数据壁垒、隐私保护、安全保障等重重挑战？中小金融机构在AI建设中如何兼顾成本和效能？面对全球 数智化浪潮，中国又将 ...

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Views - The company's Q1 2025 report shows a decline in total revenue by 14% year-on-year to 1 billion yuan, while net profit attributable to shareholders increased by 186% year-on-year to 31 million yuan [1] - The decline in revenue is attributed to reduced income from asset management technology services, risk and platform technology services, and operational and institutional technology services [7] - Investment income saw a significant increase of 2635% year-on-year to 55 million yuan, contributing to the overall profit despite the revenue drop [7] Revenue and Profit Analysis - Total revenue forecast for 2023A is 7,281 million yuan, with a projected decline in 2024A to 6,581 million yuan, followed by a recovery to 7,551 million yuan in 2025E [1] - Net profit attributable to shareholders is expected to be 1,424 million yuan in 2023A, decreasing to 1,043 million yuan in 2024A, and then recovering to 1,199 million yuan in 2025E [1] - The earnings per share (EPS) for 2023A is 0.75 yuan, projected to decrease to 0.55 yuan in 2024A, and then increase to 0.63 yuan in 2025E [1] Business Segment Performance - Wealth technology service revenue decreased by 5% year-on-year to 235 million yuan in Q1 2025 [7] - Asset management technology service revenue saw a significant decline of 34% year-on-year to 187 million yuan [7] - Operational and institutional technology service revenue decreased by 9% year-on-year to 212 million yuan [7] - Risk and platform technology service revenue decreased by 43% year-on-year to 56 million yuan [7] Cost Structure - Overall costs decreased, with operating costs down by 2% year-on-year to 362 million yuan [7] - Sales expenses decreased by 32% year-on-year to 85 million yuan, with a sales expense ratio of 8% [7] - Management expenses decreased by 11% year-on-year to 145 million yuan, with a management expense ratio of 14% [7] - Research and development expenses decreased by 11% year-on-year to 500 million yuan, with a research expense ratio of 49% [7] Future Outlook - The company maintains its previous performance forecasts, expecting net profits of 1.2 billion yuan, 1.4 billion yuan, and 1.7 billion yuan for 2025-2027, corresponding to P/E ratios of 46, 40, and 33 times respectively [7] - The overall recovery of the capital market is anticipated, although significant growth in technology investment from financial institutions has not yet been observed [7]

Investment Rating - The investment rating for the company is "Buy" (maintained) [1] Core Insights - The company reported a 14% year-on-year decline in total revenue for Q1 2025, amounting to 1 billion yuan, while the net profit attributable to shareholders increased by 186% to 31 million yuan [1] - The decline in revenue was primarily due to reduced income from asset management technology services, risk and platform technology services, and operational and institutional technology services [7] - Investment income saw a significant increase of 2635% year-on-year to 55 million yuan, contributing to the overall profit growth [7] Revenue and Profit Analysis - Total revenue forecast for 2023A is 7,281 million yuan, with a projected decline of 9.62% in 2024A, followed by a recovery to 7,551 million yuan in 2025E, and further growth to 10,156 million yuan by 2027E [1][18] - Net profit attributable to shareholders is expected to be 1,199 million yuan in 2025E, with a growth trajectory leading to 1,654 million yuan by 2027E [1][18] - The latest diluted EPS is projected to be 0.63 yuan in 2025E, increasing to 0.87 yuan by 2027E [1][18] Business Segment Performance - Wealth technology service revenue decreased by 5% to 235 million yuan, while asset management technology service revenue dropped by 34% to 187 million yuan [7] - Operational and institutional technology service revenue fell by 9% to 212 million yuan, and risk and platform technology service revenue decreased by 43% to 56 million yuan [7] - Other business segments showed varied performance, with data services and innovation business revenues declining by 10% and 9% respectively, while corporate finance and insurance core services increased by 19% [7] Cost Structure - Overall costs decreased, with operating costs down by 2% to 362 million yuan [7] - Sales expenses saw a significant reduction of 32% to 85 million yuan, while management expenses decreased by 11% to 145 million yuan [7] - R&D expenses remained stable, with a slight increase in the R&D expense ratio to 49% [7] Future Outlook - The company maintains its previous performance forecasts, expecting net profits of 1,200 million yuan in 2025, 1,400 million yuan in 2026, and 1,700 million yuan in 2027, corresponding to P/E ratios of 46, 40, and 33 respectively [7][18] - The overall recovery of the capital market is anticipated, although significant growth in technology investments by financial institutions has yet to be observed [7]