?? ????????!? ??“??????”???
![](https://image.chezhanri.com/2019/1204/7ce8105d6136e08673d26a8962529367.jpg)
????:1????????:????????????
2?????????????
3??????????
4?????????
5????????
????9???????3??????????????????????(?????????????????????? ??)?????????????????????????????,????????????,??
???,??,???????????;????????,???????,???,??????
??????????????,???????,?????????????????????????2024??,??????????,???????????
“????,???????‘??????’??,?????”?????????????9??????????????????????2?????????
![](http://i2.chinanews.com.cn/simg/cmshd/2024/09/03/e6acd3793cca43a8b586a3f131d366ba.jpg)
??????
?????????,??????????????,???????????,????????????????????????????????????????????,??
???????????“??”????,???????????????????????,???????????????,????????????????,???????????,?????
????,??6???????????????,??????????40.29??,????????????????? 5.14%,???????????????1650????????????,????1.35%,?????????????19.25%,?????
??????????????????,????,??“??”?
?????,??,????????????,??????????????????????,????????,????????,????,??????????????
?????,?????????????,?????,??,???,?????????
??,?????????4??????,????,??????????????,???????????????????????
???“?????????????”??????????????????????????????,??,??????,????ROA ?ROE??0.84%?10.82%,???????????6?????????,?19.25%,????????14.92%,??14.01%,??2023?????
![](http://i2.chinanews.com.cn/simg/cmshd/2024/09/03/131ffe768b244961a177d9df0e35d580.jpg)
??????????????????????“??”
??????,???????????1????7????????,?2021????100?????????????????????,????????1.54%?
????????,??,???????,????????,??,????????????????????
?????????,??“????????”????????????????????,????,?????;????,???,???
?????????,??????????,?????????????,??????,?????????????????1.67%,???????????
????,???,??????,????????,????AI?????????????,??,????????????,?????????????????????
???????????,????????????,?308?????????????,??????98%,????????????????
“????”,???????????????,??????????,?,?,?????
“???????????????????????????????????????????????????,?????????????????,???????”?????????????????
“???,??????‘?????’?”?,????????????????????????????????????????????“????”????????????,????,????????????,??????????
![](http://i2.chinanews.com.cn/simg/cmshd/2024/09/03/9f3a49cdc5da474ba799145240bbe37d.jpg)
???????????????????????
???,?????,???????,?????????,????????????????,???????????,??????????,?????????????
2024?????????????????,???“????????”??,???????????????????????????“?????????????????”???
???????“???”????,????,??????????????,??????????“????”???,??????????????????????6??????,????????1.80??????????????????????????????12.31%?
??????????“????????????”????????,?????,??????????????????????4.46?????????????,??14.93%,????2000?????
???????,??????????????,????,????????“???????????”????,???
?,?????????????????????,????,??,???????????????????????????????????????????????,????,???????????????,???????????????,?????????,????(????????????????????????????????)
????????????:?????????????????