为者常成，行者常至。但在利率下行、净息差收窄压力下，2024年银行业要平衡规模和效益面临考验。 日前，邮储银行在这样的环境中交出了一份"逆周期"答卷：2024年，该行资产规模突破17万亿元，营收同比增长1.83%，实现利润总额945.92亿元，同比 增长3.27%，净息差1.87%稳居行业前列。 这份成绩单背后，是邮储银行对"长期主义"的坚守——不盲目追求规模扩张，而是通过精细化管理实现"量价险"均衡优化。正如该行董事长郑国雨所 言："因势而变、顺势而行。" 净息差1.87%"稳"字诀： "量价险"均衡优化 商业银行的资产负债管理核心目标是在盈利性、安全性和流动性之间寻找平衡。 面对LPR（货币市场报价利率）、存量房贷利率下调，"报行合一"政策等因素叠加影响，2024年邮储银行不仅实现了营收、净利润"双增长"，更以1.87% 的净息差水平领跑，其秘诀在于"稳净息、提非息"的双轮驱动策略。 截至2024年年末，邮储银行资产总额突破17万亿元，达17.08万亿元，较2023年年末增长8.64%；其中客户贷款总额8.91万亿元，较2023年年末增长 9.38%。负债总额突破16万亿元，达16.05万亿元，较2023 ...

4月2日，邮储银行举行2024年度业绩发布会。过去一年，邮储银行在行业净息差普遍收窄的背景下，展现 出强劲的发展韧性。 财报显示，2024年邮储银行实现营收、利润双增，全年营业收入3487.75亿元，同比增长1.83%，位居国 有大行前列；截至2024年末，邮储银行资产稳健扩表，总资产突破17万亿元大关；净息差1.87%继续领 跑国有大行。 邮储银行董事长郑国雨在业绩发布会上表示："我们将持续深耕'三农'金融、普惠金融和个人金融，将传统 优势领域锻造成为稳固长板，做服务乡村振兴主力军、普惠金融标杆行、个人金融首选行。" 据悉，邮储银行已完成DeepSeek全系列模型私有化国产硬件适配、部署及性能调优，并以池化的方式应 用到行内优质大模型等多个业务场景中，进一步提升内外服务质效。 韧性发展：总资产突破17万亿 元 ，息差 领跑同业 作为一家扎根城乡、具有鲜明资源禀赋的大型零售银行，邮储银行凭借其差异化竞争策略，实现了规模增 长、结构优化、收益与风险的有效平衡，交出一份优异的成绩单。 截至2024年末，该行资产总额突破17万亿 元 ，达到17.08万亿元，同比增长8.64%；负债总额达16.05万 亿元，同比增长 ...

Core Viewpoint - The article discusses the advancements in the deployment of the DeepSeek open-source large model by major banks in China, highlighting its role in enhancing financial services through intelligent upgrades and operational efficiencies [2][6][10]. Group 1: Deployment and Adoption - As of March 8, Industrial and Commercial Bank of China (ICBC) has completed the private deployment of the latest DeepSeek model, integrating it into its "ICBC Intelligent Surge" model matrix to enhance financial business scenarios [2][6]. - Over 20 banks have adopted the DeepSeek model, with major state-owned banks like Postal Savings Bank and China Construction Bank also initiating their deployments [3][8]. Group 2: Focus Areas of Application - Banks are focusing on four main areas for the application of DeepSeek: intelligent customer service upgrades, business process optimization, intelligent decision-making and risk management, and intelligent marketing and customer insights [4][12]. - DeepSeek is expected to replace repetitive tasks and enhance cognitive capabilities, driving business process optimization and innovation [4][16]. Group 3: Specific Implementations - ICBC has empowered over 20 major business areas with the DeepSeek model, implementing more than 200 practical scenarios, including a smart dialogue trading product and a remote banking assistant that improves service efficiency by reducing call durations by approximately 10% [6][12]. - Postal Savings Bank has integrated DeepSeek models to enhance its "Little Postal Assistant," improving service efficiency and customer experience through advanced logical reasoning capabilities [9][13]. Group 4: Future Implications - The integration of DeepSeek into banking services signifies a shift from "informationization" to "cognition" in financial services, indicating a transformative phase in how banks interact with customers and manage operations [16][17]. - The technology is expected to reshape the banking industry's approach to AI applications, focusing on personalized customer interactions and efficient resource allocation [17][19].