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BCG：2026金融机构转型报告：效能、增长与创新换挡提速正当时（英文版）（44页）.pdf

上传人： 小*** 编号：1267899 2026-06-15 44页 4.52MB

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1、FINANCIAL INSTITUTIONSTHE FUTURE OF FINANCETime to Shift Gears?Financial Institutions Have Earned the Right to Be Bolder on Productivity,Growth,and Innovation June 2026 By Saurabh Tripathi,Andreas Biffar,Chaojung Chen,Tijsbert Creemers-Chaturvedi,Hinrika Droege,Julian Hein,Pim Hilbers,Gautham Krishn

2、an,Monish Kumar,Lukasz Rey,Stiene Riemer,Holger Sachse,James Sattler,Juliana Sguerra,and Aparajit SudhakarBoston Consulting Group partners with leaders in business and society to tackle their most important challenges and capture their greatest opportunities.BCG was the pioneer in business strategy

3、when it was founded in 1963.Today,we work closely with clients to embrace a transformational approach aimed at benefiting all stakeholdersempowering organizations to grow,build sustainable competitive advantage,and drive positive societal impact.Our diverse,global teams bring deep industry and funct

4、ional expertise and a range of perspectives that question the status quo and spark change.BCG delivers solutions through leading-edge management consulting,technology and design,and corporate and digital ventures.We work in a uniquely collaborative model across the firm and throughout all levels of

5、the client organization,fueled by the goal of helping our clients thrive and enabling them to make the world a better place.For information or permission to reprint,please contact BCG at .To find the latest BCG content and register to receive e-alerts on this topic or others,please visit .Follow Bos

6、ton Consulting Group on LinkedIn,Facebook,and X(formerly Twitter).Boston Consulting Group 2026.All rights reserved.6/26Contents4 Executive Summary6 Introduction7 Financial Institutions Have Earned the Right to Take a Bold Posture on Value Creation A Banner Year for Value CreationA Hard-Won Recovery

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1. **业绩与估值提升**：2025年金融机构总股东回报率（TSR）达30.2%，超科技行业，平均市净率（P/B）首次高于账面价值，但市盈率（P/E）仍低于市场均值40%，反映投资者对增长潜力存疑。 2. **AI驱动生产力变革**：行业运营费用/资产比仅边际改善，人力成本持续增长；AI通过重塑端到端流程（如信贷审批、财富管理）实现50%生产力提升，但需从“降本”转向“结构性重构”。 3. **增长与资本再平衡**：核心业务有机增长有限（零售银行业年均4%），需通过AI扩大可服务市场（如小票贷款、大众富裕财富管理）及并购（M&A）实现突破。 4. **颠覆性趋势交汇**：AI、非银机构、数字资产加速行业变革，机构需在趋势交叉点布局（如数字资产托管、供应链金融），并建立敏捷组织应对风险。 5. **CEO主导的AI转型**：聚焦6-8个高影响AI投资，构建技术、数据、人才等规模化基础，以“智能机构”重塑运营模式。
**AI如何重塑银行生产力？** **银行如何实现可持续增长？** **金融业如何应对颠覆性趋势？**
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