财神汇彩票投注

ATM设备商境遇告急 智能化、多场景突破口效果待考

2020-01-19 17:15:48来源:东方财富  

与炒股收益业绩最大亮点形成对比,在主营业务上,御银股份2015年以来始终未能扭转颓势,收入、利润逐年下挫。记者注意到,在银行智慧网点转型大潮中,ATM设备商显然亦进入洗牌期,如何

财神汇彩票投注YIDONGZHIFUFANGSHIBIANGEJICHUANTONGZHONGDUANDAILAICHIXUCHONGJI。SUIZHEYINXINGWANGDIANJIANSHAO、SHENGJI,ZUOWEICHANYELIANXIAYOUATMJISHEBEISHANGDEFAZHANYALIYIDOURANJIADA,RUHEZHUANXINGZIJIUZHENGZAICHENGWEIXINGYEXINGTIAOZHAN。

JINQI,GUONEIATM(ZIDONGJUYUANJI)ZHIZAOSHANGYUYINGUFEN(002177.SZ)FABUDE2019NIANDUYEJIYUGAOYINFAGUANZHU。GONGGAOPILU2019NIANDUSHANGSHIGONGSIYUJIYINGLI4700WANYUAN~7000WANYUAN,TONGBINIUKUI。ZHIDEZHUYIDESHI,SHANGSHUYINGLIZHONGDEFEIJINGCHANGXINGSUNYIDUIJINGLIRUNDEYINGXIANGJINEWEI8000WANYUAN~9000WANYUAN,ZHUYAOLAIZIZHENGQUANTOUZISHOUYI,ERKOUFEIHOUJINGLIRUNRENGWEIFU。

YUCHAOGUSHOUYIYEJIZUIDALIANGDIANXINGCHENGDUIBI,ZAIZHUYINGYEWUSHANG,YUYINGUFEN2015NIANYILAISHIZHONGWEINENGNIUZHUANTUISHI,SHOURU、LIRUNZHUNIANXIACUO。JIZHEZHUYIDAO,ZAIYINXINGZHIHUIWANGDIANZHUANXINGDACHAOZHONG,ATMSHEBEISHANGXIANRANYIJINRUXIPAIQI,RUHEZHENZHENGJIHUOZHUYEWANCHENG“ZIJIU”,DADUOSHUGONGSIRENGWEIKANDAOMINGQUEXIAOGUO。BUGUOYIYOUYIXIEJIGOUTONGGUODUOCHANGJINGCHUJIJINXINGJISHUNENGLIFUYONGZHENZHENGZOUCHUDANYISHEBEISHANGDINGWEI,DANQIZHUANXINGZHILUSHIFOUJUBEIKEFUZHIXINGRENGYAOGUANCHA。

ATM设备商境遇告急

财神汇彩票投注GENJUZHONGGUORENMINYINXING《ZHIFUTIXIYUNXINGZONGTIQINGKUANG》LINIANTONGJISHUJU,2015NIANYIJIDUDAO2019NIANSANJIDU,YINXINGYIDONGZHIFUBISHUCONG13.76YIBIZENGZHANGDAO272.74YIBI,JINECONG39.78WANYIYUANZENGZHANGDAO86.11WANYIYUAN。

JIEZHIDISANJIDUMO,YINXINGKAKUAXINGZHIFUXITONGATMJIJU108.88WANTAI,HUANBIJIANSHAO1.16WANTAI,HUANBIXIAJIANG1.05%,TONGBIXIAJIANG3.53%。YANGXINGCENGZAI2018NIANDIYIJIDUDIAOZHENGLEATMJIDETONGJIKOUJING——BUJINTONGJIYINXINGYECUNKUANLEIJINRONGJIGOUBUFANGDEZIZHUCUNQUKUANJI、ZIZHUJIAOFEIZHONGDUANDENGCHUANTONGZIZHUSHEBEI,HAIXINZENGTONGJILEZIZHUFUWUZHONGDUAN、KESHIJUTAI(VTM)、ZHINENGJUTAIDENGXINXINGZHONGDUANSHEBEI。TONGJIKOUJINGDIAOZHENGHOU,ATMSHULIANGDUANZANCHUXIANSHANGZHANGHOU,CHIXUHUANMANHUILUO。

财神汇彩票投注ZHIFUFANGSHIXIANGYIDONGDUANZHUANYI、SHIYONGXIANJINPINLVXIAJIANGDEDASHIRANGATMSHEBEISHANGPOGAN“HUITIANWULI”。YIYUYINGUFENWEILI,ZAIZHUYINGYEWUSHANG,QIZI2015NIANYILAIYEJIMEIKUANGYUXIA,SHIZHONGWEINENGNIUZHUANTUISHI。XINXIXIANSHI,2015NIANKAISHI,YUYINGUFENYINGSHOUHELIRUNKAISHIZHUNIANXIAHUA,DAO2018NIANBAOCHUXIANSHOUCIKUISUNJINYIYIYUAN。GENJUYUYINGUFEN2019NIANZHONGBAO,QIZHUYINGYEWUZHUYAOLAIZIATMCHANPINXIAOSHOU、ATMYUNYINGFUWUYIJIATMJISHU、JINRONGFUWUHEATMRONGZIZULIN。QIZHONG,DISANLEIJISHUFUWUSHOURUJINNIANZAIYINGSHOUZHANBIZHONGZHUBUCHENGWEIZHONGDIAN,DANRENGWEINENGFUGAICHANPINXIAOSHOUYEWUDAFUHUALUODEQUEKOU。2015NIAN~2019NIANZHONGBAOQIJIAN,QIATMCHANPINXIAOSHOUDEYINGYESHOURUZHANBIYICONG75.23%XIAJIANGZHI11.59%。

YOUZHIFUXINGYERENSHIGAOSUJIZHE,ATMGONGYINGSHANGYIBANYAOJIANLIYANZHI、XIAOSHOU、WEIHUFUWUSANWEIYITIDEJINGYINGMOSHI,XIAOSHOUCHANPINHETIGONGFUWUSHILIANGGEJIBENYINGLILAIYUAN。DANSUIZHEYINXINGWANGDIANJIANSHAOYIJIXIANJINSHIYONGLVDEJIANGDI,ATMZHONGDUANSHULIANGWEISUO,XIANGYINGDEWEIHULIANGYEBIRANXIAHUA,WULUNCONGXIAOSHOUHAISHIYUNYINGFUWU,DOUHUISHOUDAOCHONGJI。GENJUYUYINGUFEN2019NIANZHONGBAO,GONGSIQUANBUZHUYINGSHOURUXIANGMUJUNCHUXIANXIAHUA。QIZHONGHEXINDEATMXIAOSHOUSHOURUZHANBICONGSHANGNIAN48.33%XIAHUAZHI11.59%,SHOURUTONGBIJIANSHAO90.63%。ZAISHOURUJIEGOUZHUANXINGZHONGZHUJIANDANDANGZHONGRENDE“ATMJISHUHEJINRONGFUWU”ZHANBICONGSHANGNIAN30.88%SHANGSHENGZHI51.76%,DANSHOURUJINEJIANSHAOLE34.5%。

ZAIFENGYUNBIANHUANDESHICHANGYINSUZHIWAI,YUYINGUFENZISHENYEYIDUWEINENG“CAIZHUN”FAZHANLUJING。JIZHECHAYUEQIZAONIANZHAOGUSHUHECAIBAOFAXIAN,GONGSI2007NIANIPOJI2009NIANDINGZENGMUZISHIZIJINZHUYAOTOUXIANGWEIATMWANGLUOJIANSHEXIANGMU。GAIHEZUOYUNYINGMOSHIWEIJIANMINGXIANXIAOYIHOU,XIANGGUANXIANGMUBIANGENGWEIRONGZIZULINFANGXIANG,JINNIANLAIQIYEWUZHONGXINSUODINGSHEBEIZHIZAO。ZAI2019NIANZHONGBAOZHONG,RONGZIZULINYEWUHEHEZUOYUNYINGYEWUSHOURUZHANBIJINWEI3.46%HE8.52%,XIAHUAFUDUFENBIEJIANGJIN40%HE70%。

QIANSHUZHIFUXINGYERENSHITOULU:ATMYUNYINGYEWUYONGKAHUANJINGMIQIEXIANGGUAN,JINGYINGGUANLIFUZA。YOUYUSHOURUZHUYAOLAIZIKUAXINGJIAOYISHOUXUFEIFENCHENGHEZHONGJIANYEWUSHOUYIFENCHENG,JIUXUYAODANTAIATMKUAXINGJIAOYIBIXUDADAOYIDINGBISHU,SUIZHEATMKUAXINGJIAOYILIANGXIAJIANG,GAIFUWUDELIRUNJIUNANYICHIXU。

财神汇彩票投注TIDAIXINGJUEQIDESHOURULAIZIFANGWUZULINHEZHENGQUANTOUZI。GENJUCAIBAO,2019NIANSHANGBANNIANYUYINGUFENGONGQUERENTOUZISHOUYI4892.92WANYUAN,QUERENGONGYUNJIAZHIBIANDONGSHOUYI4373.56WANYUAN。DAO2019NIANSANJIBAO,QITOUZISHOUYIYIJINGDADAO9102.37WANYUAN,ZHANYINGSHOUCHAOGUO60%,CHENGGONGBANGZHUGONGSISHIXIANNIUKUIWEIYING。

智能化、多场景突破口效果待考

财神汇彩票投注YENEIGONGSHIZAIYU,ATMGUONEISHICHANGWEISUOSHIBUZHENGSHISHI,DANSUIZHEYINXINGZHIHUIWANGDIANZHUANXINGBUDUANSHENHUA,ZHONGDUANDESHENGJICHENGWEIBIRAN,SHEBEISHANGFALIYINXINGWANGDIANZHINENGSHENGJIGAIZAOYIJIDUIGONGYEWUDIANZIHUAGAIZAOCHENGWEIBIXUANXIANG。SHISHISHANG,ZHINENGHUAZHUANXINGFANGXIANGZAIYUYINGUFEN、GUANGDIANYUNTONG(002152.SZ)、HENGYINJINRONG(603106.SH)DENGGONGSICAIBAOZHONGJUNYOUMINGQUETICHU。BUGUO,YUYINGUFENZHUANXINGZAIYEJISHUZIHECAIBAOBIAOSHUZHONGSHANGWEIJIANDAOMINGQUEXIAOGUO,DUICIYUYINGUFENJIEZHIFAGAOSHANGWEIJICHUHUIYING。

BEIJINGJINRONGKEJIYANJIUYUANFENGXIANZHILISHIYANSHIZHURENCHENINGJIUZHIYUMOUDAXINGYINXING,TABIAOSHI,ATMSHEBEISHANGZISHENHENNANDINGYIFAZHANFANGXIANG,ZHINENGSUIYINXINGWANGDIANZHUANXINGBIANHUA。SUIZHEYINXINGLIJULVDADAO90%,ZHENGGEWANGDIANCONGJIAOYIZHONGXINXIANGXINXIZHONGXINZHUANBIAN。ZHEIYEJIATMSHEBEITICHULIANGGEYAOQIU:DIYI,XUYAOGENGJIAZONGHEHUAJICHENGHUALAITIDAIWANGDIANZHUANXINGZHONGDERENLITUICHU。DIER,XUYAOJIAZAIGENGDUOXINXIGONGNENGHECHANGJING,CHENGWEIYINXINGZHENGHEYINGXIAOQUDAO、ZHUANBIANJINGYINGMOSHIDEZHONGYAOYIHUAN。DANCONGMUQIANKAN,ZHENGGEXIANXIAZHINENGZHONGDUANZHUTUIYINXINGZHUANBIANJINGYINGMOSHIDEZIYUANBIJIAOKUIFA,ERLAISHISHIYONGJIQIDEMENJIANFANERJIWANGDIANTICHULEXINDERENLIYAOQIU。

MOUCHENGSHANGXINGDIANZIYINXINGBUFUZONGJINGLIGAOSUJIZHE,ZHIHUIYINXINGJIANSHEBUSHIXIAYIDEDUIWULIWANGDIANDEGAIZAOSHENGJI,ERSHILINIAN、CELVE、LIUCHENGDEBIANGE。JIUGAIXINGSHIJIANKAN,CHULEZONGSHENWAJUEZHONGDUANDEJINRONGGONGNENGHEJIAOHUTIYAN,YEZAIZHONGDIANJIADAFEIJINRONGGONGNENGDEDIEJIA。

JIZHEZHUYIDAO,ZAIYOUHUAJINRONGCHANGJINGDEGONGNENGWAI,XIANGQITACHANGJINGYANSHENCHENGWEISHICHANGCANYUZHETUOZHANYEWUDEPUBIANXUANZE。YIMUQIANCHUYUATMZHIZAODIYITIDUIDEGUANGDIANYUNTONGWEILI,2018NIANKAISHIXIANG“RENGONGZHINENGCHANGJINGFUWUSHANG”DINGWEIZHUANXING,ZAIZHINENGJINRONG、ZHINENGANQUAN、ZHINENGJIAOTONG、ZHINENGBIANMINSIGEZHANLVEFANGXIANGJIAMA“ZHINENGZHONGDUAN+DASHUJU”,YOUSHEBEISHANGXIANGSHUJUSHANG、FUWUSHANGZHUANXING。

GENJUGUANGDIANYUNTONGCAIBAOSHUJU,JINGGUO2018NIANJINGLIXIAHUAHOU,2019NIANYIJIDUYILAIZHUBUQIWEN,YINGSHOUZENGZHANGLVBAOCHIZAI20%YISHANG。JIEZHI2019NIANSANJIBAO,QIGUIMUJINGLIRUNCHAOGUO5YIYUAN,TONGBIZENGFU12.67%。GENJUQI2019NIANZHONGBAO,ZHINENGJINRONGSHEBEI、QITASHEBEIHEJISHUFUWUDESHOURUZHANBIFENBIEWEI39.73%、7.78%HE52.06%。

GUANGDIANYUNTONGFANGMIANZAIJIESHOUJIZHECAIFANGSHIBIAOSHI:YIYINXINGZHINENGSHEBEIWEIZHUYINGYEWUDECHANGSHANG,2018NIANYINGSHOUPUBIANYOUBUTONGCHENGDUXIAHUAHOU,ZHENGZAINULICONGZHINENGSHEBEIXIANGZHINENGWANGDIAN、DASHUJUYEWUZHUANXING,YOUZHIHUIYINXINGXIANGZHIHUIZHENGWU、ZHIHUIYILIAO、XINLINGSHOUDENGXINGYECHANGJINGTUOZHAN。GUANGDIANYUNTONGCONGZAONIANDEATMJIQIMAOYI、SHENGCHANQIJIA,CONG2017NIANMOXUANBUXIANGRENGONGZHINENGFANGXIANGZUOZHANLVESHENGJI,DANGZHONGDEHEXINJISHULUOJI,JIUSHICONGCHAOPIAOSHIBIEDAODUOMOTAISHENFENSHIBIE。

财神汇彩票投注ZAICHAOPIAOSHIBIEHEXIANJINXUNHUANZHONG,ATMSHEJISHIBIE、CHUANGAN、JIAOHU、TONGXIN、XINXIANQUANDENGJISHU,QIBENSHENJIUSHIRENGONGZHINENGJISHUZUIHAODEZAITIZHIYI。YISHIBIESUANFAWEILI,BUJINJIANGJIYUJINGTAITUXIANGDEMOSHISHIBIEJISHUYINGYONGZAICHUANTONGATMDEPIAOJUHECHAOPIAOSHIBIESHANG,HAIYANSHENDAOSHENGWUSHIBIELINGYU。JIYUATMSHANGGUANGFANYINGYONGDEDVRSHIPINJIANKONGJISHU、SHIPINNONGSUOJISHUDENGKEYIYANSHENDAOCHELIANGSHIBIE、XINGRENZAISHIBIE、QINGXUSHIBIEDENGZHINENGSHIPINFENXIJISHULINGYU,ZHEIYERANGGONGSIYOUNENGLICONGZHONGDUANSHEBEISHIPINFENXIJINRUDAOGUANGYIDEZHINENGSHIPINSHIBIELINGYU,ZOUCHUYINXINGWANGDIAN。

ZAIYIGUANGAOJIFENXISHIWANGPENGBOKANLAI,JINRONGZHONGDUANSHEBEISHANGSHENGJIDEGUANJIANZAIYUFENGKONG,SUIZHEZHONGDUANYEWUPINLEIZENGJIA,QIBAOKUOSHENFENSHIBIEDENGANQUANXINGNENGDEWEIHUDOUXUYAOGENSHANG,GENGQIANGDIAOYUNSHANGXITONGHEYINGJIANXIETONG。ZHEIXIEHEXINJISHUZAIJINRONGCHANGJINGZHIWAIFUYONGSHI,QISHIJISHUCEZHONGYEYOUQUBIE,ERZHEIXIESAIDAOMUQIANJISHUGONGYINGSHANGJINGZHENGTONGYANGJILIE。

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