数字经济全景白皮书：银行数字化篇

ConfidentialandProtectedbyCopyrightLaws劥❡ᄩ⥂㺙䎇「ⵌ晜勉岁⥂䫡侨㶶絑崸Ⰼ兞涯淼⛼Ꜿ遤侨㶶⻊眜 2慨〄猰䪮♸⴯倝崞⸂Ꜿ⥂港⠔皮〄Ꜿ遤⚌侨㶶⻊鲮㘗⚁꡶俒⟝Ꜿ遤Ⰼ꬗馋ぢ荈⚺匬䒊侨兰腊⸂2022䎃շꆄ輑猰䪮〄㾝錞ⴢ2022-2025ոծշⰢ✵Ꜿ遤⚌⥂ꤗ⚌侨㶶⻊鲮㘗涸䭷㼋䠑錛ո瘝佟瘻꣣絯♴〄կⰦ务շⰢ✵Ꜿ遤⚌⥂ꤗ⚌侨㶶⻊鲮㘗涸䭷㼋䠑錛ո⚹Ꜿ⥂港⠔ⴀ〵涸Ⱒ✵Ꜿ遤⚌⥂ꤗ⚌侨㶶⻊鲮㘗涸껷口⚁꡶俒⟝կⵌ2025䎃Ꜿ遤⚌⥂ꤗ⚌侨㶶⻊鲮㘗》䖤僈儑䧭佪կ侨㶶⻊ꆄ輑❡ᄩㄤ剪⸉倰䒭䎛岌兜⿺㛇✵侨研餴❡ㄤ侨㶶⻊䪮助涸ꆄ輑⴯倝剣䎸㹊騨⚡䚍⻊ծ䊵䒗⻊ծ㹁ⵖ⻊❡ᄩㄤ剪⸉䒓〄腊⸂僈儑㟞䔂ꆄ輑剪⸉餘ꆀㄤ佪桧儑衼䲿넞կ侨㶶⻊絑蠒盗椚⡤禹㛇劥䒊䧭侨研屛椚刿⸈⨴Ⰼ猰䪮腊⸂㣐䌴䲿巛緸絞㸝Ⰼծ侨研㸝Ⰼㄤ굥ꤗ盗椚宐䎂Ⰼ꬗䲿巛կ䊨⡲湡叻絆絉⥂ꥻㄤ港漛盗椚•⸈䔂絆絉⥂ꥻ•䔂⻊港漛盗椚絑蠒盗椚侨㶶⻊•獤匧〄㾝❡⚌侨㶶ꆄ輑•㣐⸂䲀鵳⚡➃ꆄ輑剪⸉侨㶶⻊鲮㘗•䲿巛ꆄ輑䋑㖞❜僒⚌⸉侨㶶⻊宐䎂•匬䒊㸝Ⰼ넞佪ծざ⡲Ⱏ饒涸ꆄ輑剪⸉欰䙖•满⸂⸈䔂侨㶶⻊굥䱽腊⸂䒊霃侨研腊⸂䒊霃•⨴Ⰼ侨研屛椚⡤禹•㟞䔂侨研盗椚腊⸂•⸈䔂侨研餘ꆀ䱽ⵖ•䲿넞侨研䎾欽腊⸂猰䪮腊⸂䒊霃•⸈㣐侨研务䗱㛇炄霃倶䔀䚍⣘絛•䲿넞猰䪮卹匬佅丒腊⸂•䲀⸓猰䪮盗椚併䰦鲮㘗•䲿넞倝䪮助䎾欽ㄤ荈⚺〳䱽腊⸂굥ꤗ꣈薴•⸈䔂䧶殜굥ꤗ盗椚•⸈䔂⴯倝⚌⸉涸ざ錞䚍盗椚•⸈䔂侨㶶⻊梠㞯♴涸崨⸓䚍굥ꤗ盗椚•⸈䔂乼⡲굥ꤗ⿺㢪⺫굥ꤗ盗椚•꣈薴垷㘗ㄤ皾岁굥ꤗ•䔂⻊緸絞㸝Ⰼ꣈䫡•⸈䔂侨䰘㸝Ⰼㄤꥧ猙⥂䫡䧶殜錞ⴢ♸絆絉崨玐䒊霃•猰㷖ⵖ㹁㹊倶侨㶶⻊鲮㘗䧶殜•絡皂䲀鵳侨㶶⻊鲮㘗䊨⡲•佖㊤絆絉卹匬ㄤ劼ⵖ崨玐•㣐⸂䒸鵳ㄤ㛆Ⱞ侨㶶⻊➃䩞 3慨〄猰䪮♸⴯倝崞⸂Ꜿ遤⸈㣐猰䪮䫏Ⰶㄤ猰䪮➃䩞䫏Ⰶ侨㶶⻊䧭ꅾ銳䧶殜鵛Ⳝ䎃㢴㹻Ꜿ遤㼜侨㶶⻊ծ兰腊⻊鲮㘗烁用⚹ꅾ銳䧶殜猰䪮䫏Ⰶ毛蠒佐嫱ꅾㄤ猰䪮プ䊨毛嫱⛲傈幯饥넞կ䰘♳䋑Ꜿ遤餒䫣㢴㹻Ꜿ遤꣣絯㹒䋒絆絉卹匬巛紩⚹侨㶶⻊〄㾝ㄤ鲮㘗䱗Ⱕ䋒꣋կ0.0%1.0%2.0%3.0%4.0%5.0%6.0%7.0%8.0%9.0%10.0%䬸(休)Ꜿ遤䊨(休)Ꜿ遤务⥌Ꜿ遤Ⱓ⚌Ꜿ遤字欰Ꜿ遤⯕㣐Ꜿ遤❜鸑Ꜿ遤务㕂Ꜿ遤䒊霃Ꜿ遤齱⪰Ꜿ遤ⱚ⚌Ꜿ遤鿈ⴔ♳䋑Ꜿ遤鵛2䎃猰䪮プ䊨毛䚪プ䊨嫱ꅾ2020䎃2021䎃0.0%0.5%1.0%1.5%2.0%2.5%3.0%3.5%4.0%4.5%䬸(休)Ꜿ遤❜鸑Ꜿ遤⯕㣐Ꜿ遤务⥌Ꜿ遤齱⪰Ꜿ遤务㕂Ꜿ遤Ⱓ⚌Ꜿ遤䒊霃Ꜿ遤ⱚ⚌Ꜿ遤字欰Ꜿ遤䊨(休)Ꜿ遤鿈ⴔ♳䋑Ꜿ遤鵛2䎃猰䪮䫏Ⰶ毛蠒佐嫱ꅾ2020䎃2021䎃侨䰘勻彂♳䋑Ꜿ遤餒䫣僒錜ⴔ區侮椚 4慨〄猰䪮♸⴯倝崞⸂ꆄ輑곭㚖Ⰼ緸崞駟➃侨㾀⵸Ⱖ务Ꜿ遤絾ざ剪⸉ծ䩛劼Ꜿ遤剪⸉䎾欽崞駟➃侨➑妃✵佅➰-5%-4%-3%-2%-1%0%1%2%3%020,00040,00060,00080,000100,000120,000爢❜鸑雴錠곸ꆄ輑䎾欽盗椚獴⸓餝暟㖑㕃㼋菔餴雴갉곸㬛⛙鳕Ⰶ岁2022䎃4剢Ⰼ緸ぐ곭㚖崞駟➃侨崞駟➃侨(♰)崞駟➃侨梠嫱(%)-40%-35%-30%-25%-20%-15%-10%-5%0%5%010,00020,00030,00040,00050,00060,00070,00080,00090,000100,000佅➰Ꜿ遤絾ざ剪⸉䩛劼Ꜿ遤剪⸉䎾欽霆ⵚ剪⸉䎾欽ꆄ輑䊨Ⱘ⥌欽子剪⸉䎾欽䫏餴椚餒⥂ꤗ剪⸉(休)⚌叅霧嶊餩ꆄ輑2022䎃4剢ꆄ輑곭㚖ぐ遤⚌崞駟➃侨崞駟➃侨(♰)崞駟➃侨梠嫱(%)©僒錜尢䋕www.analysys.cn 5慨〄猰䪮♸⴯倝崞⸂䩛劼Ꜿ遤䋑㖞崞駟欽䨪錞垷3剢鴪4.9➉絑蠒ꅾ挿鲮ぢ欽䨪剪⸉腊⸂ծAUM䲿巛䩛劼Ꜿ遤䧭Ꜿ遤侨㶶⻊鲮㘗ꅾ挿Ⱒ岤涸倰ぢ⛓♧ꤑꜾ遤〳⣘絁♳⸅椚涸⚌⸉㢪䩛劼Ꜿ遤⸆腊⴯倝⿺⠏⻊潐ⲥ帿罭餒㺢盗椚剪⸉⚹㹐䨪䲿⣘⺫䭍⥌䜂餴雴ծ椚餒❡ᄩ➿Ꝉ瘝♧禹⴩剪⸉կ䩛劼Ꜿ遤絑蠒瘻殜ꅾ挿翸搋ꆄ輑鲮⻊⿺AUM䲿巛䲿넞欽䨪⟟⧩կ8694959186.592.575.579.581.58077.587.56167.57064.560.5690.0010.0020.0030.0040.0050.0060.0070.0080.0090.00100.002021䎃10剢2021䎃11剢2021䎃12剢2022䎃1剢2022䎃2剢2022䎃3剢♶ず碫㘗Ꜿ遤䩛劼Ꜿ遤鵘蠒䭷侨㣐遤䩛劼Ꜿ遤肅⟧遤䩛劼Ꜿ遤㙹(休)遤䩛劼Ꜿ遤35148.736264.237223.136934.636229.937117.415486.715665.816178.31541814924.415528.43231.53367.23557.93573.83450.53594.80.005,000.0010,000.0015,000.0020,000.0025,000.0030,000.0035,000.0040,000.002021䎃10剢2021䎃11剢2021䎃12剢2022䎃1剢2022䎃2剢2022䎃3剢♶ず碫㘗Ꜿ遤䩛劼Ꜿ遤崞駟欽䨪錞垷♰䨪㣐遤䩛劼Ꜿ遤肅⟧遤䩛劼Ꜿ遤㙹(休)遤䩛劼Ꜿ遤©僒錜尢䋕www.analysys.cn 6慨〄猰䪮♸⴯倝崞⸂Ꜿ遤⟄䩛劼Ꜿ遤⚹Ⰶ〡䭯絯〄⸂㖞兞䒊霃䩧鸣剪⸉꡻梠㖞兞䒊霃僽㼜Ꜿ遤ꆄ輑剪⸉♴小ⵌꬋꆄ輑剪⸉务㛇✵欽䨪欰崞倰䒭ծⰣ馰昶㥩䒊用Ⱘ剣湱⡃暵䖄涸㖞兞㹐纈礵ⲥ㹁⡙Ⱖꆄ輑꨽宠䎇⟄ꬋꆄ輑剪⸉⚹䒸㼋䒸곭㹐䨪ꆄ輑嶊餩꨽宠➢罜匬䒊剪⸉꡻梠կ(休)⚌Ꜿ遤⣜䩯猰䪮獤匧䩧鸣㖞兞䒊霃ծ⚪㺢ꬋꆄ輑㖞兞⸔⸂侨㶶⻊鲮㘗կꆄ輑⚌⸉猰䪮餻腊餻腊餻腊❜鸑ⴀ遤⨴䐀匚毫繠굹㬛⛙佟⸉⤑字欰崞綶餩Ⱖ➭㖞兞Ꜿ遤ꆄ輑❡ᄩ⣘絛㖞兞剪⸉䒸鵳勻ꆄ輑剪⸉饥ⴀ⿡餖䨪佅➰椚餒餧妴➃䊨兰腊暟翫緸勹㗌Ꝇ㣐侨䰘綶餩껎牰䩧鲨䕧牰爢⥂Øꆄ輑剪⸉偽㢅♶㖈ꥥ满ꆄ輑♸猰䪮涸♶倗輑ざꜾ遤剪⸉刿⸈輑Ⰶ㹐䨪傈䌢欰崞偽㢅♶㖈偽䠭㶸㖈կØ猰䪮⸈鸟Ꜿ遤侨㶶⻊鲮㘗ꥥ满倝Ⱓ猰䪮䘯鸟鶛去(休)⚌Ꜿ遤ꆄ輑剪⸉姻㖈ぢ侨㶶⻊ㄤ兰腊鲮㘗կ 7慨〄猰䪮♸⴯倝崞⸂匬䒊ꆄ輑㖞兞欰䙖㕕ծ獤匧⿬♸侨㶶➃字䋏㖞兞䒊霃⸔⸂侨㶶⻊鲮㘗た氋䞔傞➿⟄䩛劼Ꜿ遤⚹⚺鵶䱹涸㖞兞欰䙖䧭⚹(休)⚌Ꜿ遤侨㶶⻊⸈鸟瑲㔵⛓騟կず傞Ꜿ遤劢勻ず呋㼜䭯絯帿罭㖞兞䒊霃匬䒊ꆄ輑㖞兞欰䙖㕕⤛鵳㹊⡤絑崸〄㾝կ•㔵絗ꆄ輑❡ᄩ•ꆄ輑㖞兞⚹⚺•䩛劼Ꜿ遤⚹⚺鵶䱹ⰻ䒊欰䙖ぢ㢪䬪㾝䎛銻渷帿罭㖞兞⡛곸넞곸鵶䱹⟟⧩•侮ざⰻ鿈餴彂Ꝇ䱹欰䙖㖞兞•ぢ欰崞㖞兞帿Ⰶぢ❡⚌Ꝇ䒁⠽•ぢB畮餻腊ծG畮瑲㔵ծC畮剪⸉•ꆄ輑+猰䪮+欰崞+❡⚌涸欰䙖㕕•䎛岌鵶䱹㖞兞Ⰼ꬗銻渷•ꆄ輑❡ᄩㄤ剪⸉Ⰼ倰⡙ծ偽綟輑Ⰶ㹐䨪假玐畮ⵌ畮䎾欽㖞兞•㛇✵㖞兞欰䙖餻腊ꆄ輑•帿罭⠏餘㖞兞荈⚺蜦㹐•⟄欽䨪⚹务䗱礵絈⻊剪⸉•帿⻊猰䪮餻腊兰腊⻊剪⸉欰䙖⻊ざ⡲Ⱏ䒊䒓佞欰䙖ぢꬋꆄ輑瑲㔵帿罭㖞兞欰䙖餻腊ꆄ輑姼㢪Ꜿ遤獤匧⿬♸侨㶶➃字䋏㖞兞䒊霃⸔⸂Ꜿ遤侨㶶⻊鲮㘗կꜾ遤 ̆ ̆䩛劼Ꜿ遤侨㶶➃字䋏Ⰶ〡⟄䒊霃Ꜿ遤⚹⢾•佐➰妴ծ鲮餖ծ꛸⺫盗椚瘝㛇劥⸆腊•ⵄ欽荈魧餴彂䮔䱡㖞兞䎾欽C畮㖞兞(休)馄⤑ⵄծ귬껏㬛⛙ծ❜鸑ⴀ遤瘝㖞兞䎾欽㖞兞B畮㖞兞玘餩綶紵ծ⥂ꤗծ歏㶩(休)⸉㼆Ⱆ佅➰瘝㖞兞G畮㖞兞匚毫䭱〿ծⰖ渤䯩⸔ծ爢⥂匚⥂瘝㖞兞 8慨〄猰䪮♸⴯倝崞⸂Ꜿ遤侨㶶⻊鲮㘗㼜歋ⰻ欰⸂ꆀ끮⸓➠꨽⸈㣐㼆⵸屠侨㶶⻊䪮助涸䭯絯䫏Ⰶ僒錜ⴔ區雩⚹Ꜿ遤⚌⡲⚹务㕂絑崸ㄤꆄ輑㸝Ⰼ涸呍䗱遤⚌䗳곢㹊梡䪮助荈⚺〳䱽勭絟鄄㢪鿈⸷⸂子腹㶩涸ꥧ䝖կ侨㶶⻊鲮㘗㼜歋ⰻ欰⸂ꆀ끮⸓罜ꬋ⣜饆㢪鿈Ꜿ遤➠곢⸈㣐㼆✵⵸屠侨㶶⻊❡ᄩ涸䭯絯䫏Ⰶ⺫䭍AI务〵ծ劼㐼㷖⛴䎂〵ծꥧ猙雦皾䎂〵瘝⟄鴪ⵌ⦶⸔❡ᄩ䊨Ⱘ娀鄳荈魧涸侨㶶猰䪮㔙ꢭ涸湡涸կ僒錜ⴔ區雩⚹Ꜿ遤㖈䲀鵳➃䊨兰腊湱Ⱒ고湡傞䎾剣涸佞濶㖑鵳遤〳⥌AI涸霉崵կ㖈Ꜿ遤⚌㼆〳⥌AI㼿偽絡♧霉崵叻ⲥ涸䞔ⲃ♴Ꜿ遤䎾㛇✵㖞兞錠錭鷥䭊剣꨽宠ծ剣汥挿ծ곸妃넞ծ굥ꤗ併䠭瘝㖞兞⟄荈⚺䪮助腊⸂䒓㾝〳⥌AI湱Ⱒ涸霉⠮♸낉霆䎇㼜Ⱖ⡲⚹Ꜿ遤IT屛椚卹匬♴涸Ⱒꝶ⟣⸉鵳遤絡皂罌贊կ〳⥌AIꥧ猙雦皾㖈Ꜿ遤ぐ⚡㖞兞务涸䎾欽ⴲ姿゗⸓〄㾝鳅䘯涸ぐ紩㕂剣遤ծ肅⟧遤ծ㙹(休)遤瘝䊺絑䒓㨤䒸Ⰶ翫齥㷖⛴ծ㢴倰㸝Ⰼ瘝䪮助⡤禹㖈㹐䨪蠒Ꝉծ⚌⸉굥䱽瘝㖞兞鵳遤霚宐կ僒錜ⴔ區䒊雳ꆄ輑劼匬㖈䵨䒊ꥧ猙雦皾䎂〵傞䧴罏♳絁ꥧ猙雦皾⚌⸉㖞兞䎾欽䎾⯎ⴔ罌贊Ⱖ♧ꥧ猙雦皾䪮助鵂掚⥂䭯ざ椚곫劍䕎䧭㔵絗⚌⸉汥挿㸤侮鍒Ɀ倰呩涸ꥧ猙雦皾䎾欽錞ⴢ䩞腊溫姻〄䮦⚌⸉⟟⧩Ⱖ✳㖈䪮助騟絁涸鷥䭊倰꬗♶ず䪮助騟絁ぐ剣⣩ꅾ♸鷓欽㖞兞⣜研㖞兞鷥䭊䪮助䎾欽Ⱖ♲Ⱘ㢊葻㥩䪮助⠏⸷涸ꆄ輑劼匬〳⟄㛇✵䒓彂고湡㽂霚荈⚺灇〄鷓ꂁ㖞兞涸ꥧ猙雦皾䎂〵կꥧ猙雦皾僒錜ⴔ區雩⚹Ⰼ庈麤蠒Ꝉ弓ず㹊梡Ⰼ㚖崨ꆀ礵絈⻊鵘蠒꨽銳罌贊侮ざ絡皂ծ併䰦㹊傞ծ兰腊㸝Ⰼ♲⚡韭ⴭկ侮ざ絡皂倰꬗銻渷ぐ꣌媯蠒Ꝉ㖞兞涸庈麤䱹Ⰶ絡♧涸兰腊蠒Ꝉ禹絡㼆ꅷ꧋涸欽䨪遤⚹ㄤ❜僒侨研鵳遤㹊傞ⴔ區♸絡♧弓ず涸鵘蠒鴪ⵌⰌ鍘挿涸絡♧盗椚կ併䰦㹊傞倰꬗䔂⻊蠒Ꝉ禹絡涸㹊傞ⴔ區䘯鸟ᆄ䎾涸腊⸂➢罜㖈剒ざ鷓涸庈麤ㄤ㖞兞♸欽䨪鵳遤刿⸈㹊傞넞佪涸✽⸓կ兰腊㸝Ⰼ倰꬗ꥧ猙雦皾腊㖈♧㹁玐䏞♳䲀⸓(休)⚌Ꜿ遤ㄤ爢❜䎂〵瘝痦♲倰劼匬⛓ꢂ涸侨研ざ錞䩧鸑濼霋㕃靶〳⟄㖈侮ざぐ碫侨研鸑鵂Ⱒ翫ⴔ區㼆Ꜿ遤涸㹐䨪Ⱒ禹盗椚鵳遤腊⸂巛紩㖈䪮助䎾欽⣩剒㣐玐䏞㖑鳇⸔Ⰼ庈麤蠒Ꝉ弓ずկⰌ庈麤鵘蠒弓ず 慨〄猰䪮♸⴯倝崞⸂Ⱒ岤僒錜ⴔ區蜦》刿㢴䫣デ僒錜ⴔ區䱍䳣侨㶶絑崸㽠欽僒錜尢䋕僒錜尢䋕緸㖧www.analysys.cn㹐䨪掚絁4006-010-231䗎日Analysys僒錜ⴔ區僒錜侨㶶⻊Ⱒ岤僒錜侨㶶⻊䪾䳣䪮助䎾欽倝馋⸷