2020-10-10
根据我们观察到的现象来看,银行业进入“后周期的信号”十分强烈。其中比较明显的有以下四大现象促使银行进入降本增效的时代,创新的数字化解决方案成为刚需。
银行业IT解决方案市场仍处快速发展阶段
目前,尽管我国银行机构普遍设立自己的IT部门,但是都会在不同程度上将开发工作外包给专业的银行IT解决方案供应商。其中大型国有银行、实力较强的股份制银行能够维持庞大的IT团队并自主进行部分开发,会将部分非核心业务系统的开发工作交给第三方IT服务商,银行IT部门通常负责项目监督、进程跟踪及业务开展情况的检查;其他中小银行由于IT人员不足、开发能力较弱,更加依赖于第三方专业的银行IT解决方案供应商。
过去三年,根据行业趋势与市场变化的需要,主要国有、股份制银行完成IT软件系统的改造,而中小型银行,包括城商行、农商行,一般在IT系统建设方面落后大型银行3-5年。预计在未来2-3年内,大量城商行、农商行将参照大型银行的建设方向和案例,逐渐启动IT系统的整体改造。
国内竞争格局相对分散且稳定
银行业IT解决方案市场的行业属性有以下两大特点:
银行业IT解决方案发展趋势
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Statement:
It has been discovered that some entities or individuals maliciously impersonate our company and our employees, and conduct illegal financing through live broadcasts on the internet to profit illegally. Such illegal behavior has seriously damaged our image. We kindly remind you not to believe in information released other than our official channels, official channels of Hengxu Capital include - website: www.hengxucapital.com; WeChat account: Hengxu Capital (ID: Hengxucapital). Our solemn statement:
1.Illegal behavior carried out by anyone who impersonates our company or our employees will be subject to legal action and take legal responsibility for rights infringement, we pursue protecting the legitimate rights and interests of our company and our personnel. Hengxu Capital will not tolerate such illegal activities, we have taken and will continue to take legal action to pursue the legal responsibility of individuals or entities engaged in such illegal activities.
2.Hengxu Capital is a private equity and venture capital fund manager registered with Asset Management Association of China, and conducts business strictly in accordance with relevant regulatory requirements. To avoid losses, we would like to remind investors to be vigilant and invest through legal and legitimate channels, and not believe in false information obtained from non-official channels of Hengxu Capital.
3.Thank you for your kind support and attention. If you find any abnormal identity or information, please contact us for verification in a timely manner. At the same time, we encourage you to actively provide information and report aforementioned illegal activities at +86-21-22016849. Victim is requested to report to local police promptly to protect your own interests, and ensure offenders are held accountable as soon as possible.
Shanghai SAIC Hengxu Capital Co., Ltd.
Aug. 22, 2022