多位业内人士在接受记者采访时表示，短期内银行业务流程外包市场需求仍较为强劲。随着银行业数字 化转型加速，银行更专注于核心业务发展，将非核心业务流程如客户服务、数据处理、贷款审核、后台 运营等外包给专业服务商。这种模式能帮助银行降低成本、提升效率、专注于核心业务的创新与发展、 灵活应对市场变化、优化资源配置。 外包业务转型收缩 在银行业务中，流程外包即指银行把自身非核心、重复性的或需要专业技能的业务流程，整体委托给外 部专业服务商完成，最多的是属于业务流程外包中的内部管理服务，业务类型包括人力资源管理服务、 财务与会计管理、法律流程服务等。 从近期京北方、天阳科技等部分金融IT企业中标的信息中可以看出，银行对于通用开发测试人力外包、 零售金融板块人力外包、大堂引导和零售外拓外包、卡户分期集中外呼等具有一定需求。 萨摩耶云科技集团首席经济学家郑磊告诉记者，当下的外包业务早已不只是"人力替换"，而是银行获取 自动化技术、弹性产能与外部数据智慧的"轻资产"战略。只要治理结构、风险管控和供应商评估到位， 外包可以在成本、效率、合规、创新等多个维度同时为银行带来增量价值。 中经记者 许璐 李晖 北京报道 近日，《中国经营 ...

Core Viewpoint - 京北方 has experienced a significant stock price increase of 92.67% year-to-date, but recent trading shows a decline in the short term, indicating potential volatility in the stock performance [1][2]. Company Overview - 京北方 Information Technology Co., Ltd. was established on December 16, 2009, and went public on May 7, 2020. The company primarily provides information technology services and business process outsourcing to financial institutions, particularly banks [2]. - The revenue composition of 京北方 includes: software development and services (33.73%), financial technology solutions (30.03%), smart customer service and precise marketing in consumer finance (19.58%), digital operation and services (13.95%), and AI and big data innovative products (2.71%) [2]. - 京北方 is categorized under the computer software development industry, with concepts including internet finance, digital currency, operating systems, cross-border payments, and Baidu concepts [2]. Financial Performance - For the period from January to September 2025, 京北方 reported a revenue of 3.613 billion yuan, reflecting a year-on-year growth of 5.14%. The net profit attributable to shareholders was 243 million yuan, with a year-on-year increase of 7.94% [2]. - Since its A-share listing, 京北方 has distributed a total of 318 million yuan in dividends, with 261 million yuan distributed over the past three years [2]. Shareholder Information - As of September 30, 2025, the top ten circulating shareholders of 京北方 include Hong Kong Central Clearing Limited as the fourth largest shareholder with 5.8378 million shares, an increase of 1.6881 million shares from the previous period [3]. - The fifth largest shareholder is Hua Bao Zhong Zheng Financial Technology Theme ETF, holding 5.6812 million shares, which is an increase of 2.6807 million shares [3]. - Other notable shareholders include Southern Zhong Zheng 1000 ETF and Hua Xia Zhong Zheng 1000 ETF, with varying changes in their holdings [3].