b3fb472c66
- 核心定位: 更新一句话定位、投资亮点、商业模式 - 战略分析: 添加战略方向和战略举措数据 🤖 Generated with [Claude Code](https://claude.com/claude-code) Co-Authored-By: Claude <noreply@anthropic.com>
1471 lines
78 KiB
JavaScript
1471 lines
78 KiB
JavaScript
// src/mocks/data/company.js
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// 公司相关的 Mock 数据
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// 字段名与后端 API 返回格式保持一致
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// 平安银行 (000001) 的完整数据
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export const PINGAN_BANK_DATA = {
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stockCode: '000001',
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stockName: '平安银行',
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// 基本信息 - 字段名与后端 API 保持一致
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basicInfo: {
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SECCODE: '000001',
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SECNAME: '平安银行',
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ORGNAME: '平安银行股份有限公司',
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english_name: 'Ping An Bank Co., Ltd.',
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reg_capital: 1940642.3, // 万元
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legal_representative: '谢永林',
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chairman: '谢永林',
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general_manager: '冀光恒',
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secretary: '周强',
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reg_address: '深圳市罗湖区深南东路5047号',
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office_address: '深圳市福田区益田路5023号平安金融中心',
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zipcode: '518001',
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tel: '0755-82080387',
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fax: '0755-82080386',
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email: 'ir@pingan.com.cn',
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website: 'http://bank.pingan.com',
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sw_industry_l1: '金融',
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sw_industry_l2: '银行',
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sw_industry_l3: '股份制银行',
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establish_date: '1987-12-22',
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list_date: '1991-04-03',
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province: '广东省',
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city: '深圳市',
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credit_code: '914403001000010008',
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company_size: '大型企业（员工超3万人）',
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accounting_firm: '普华永道中天会计师事务所（特殊普通合伙）',
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law_firm: '北京市金杜律师事务所',
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company_intro: '平安银行股份有限公司是中国平安保险（集团）股份有限公司控股的一家跨区域经营的股份制商业银行，为中国大陆12家全国性股份制商业银行之一。总部位于深圳，在全国设有超过90家分行、近1000家营业网点。平安银行致力于成为中国最卓越、全球领先的智能化零售银行，以科技引领业务发展，持续推进零售转型战略。',
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main_business: '吸收公众存款、发放贷款、办理结算、票据贴现、资金拆借、银行卡业务、代理收付款项、外汇业务等商业银行业务',
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business_scope: '吸收公众存款；发放短期、中期和长期贷款；办理国内外结算；办理票据承兑与贴现；发行金融债券；代理发行、代理兑付、承销政府债券；买卖政府债券、金融债券；从事同业拆借；买卖、代理买卖外汇；从事银行卡业务；提供信用证服务及担保；代理收付款项及代理保险业务；提供保管箱服务；经有关监管机构批准的其他业务。',
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employees: 42099,
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},
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// 实际控制人信息（数组格式）
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actualControl: [
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{
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actual_controller_name: '中国平安保险（集团）股份有限公司',
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controller_name: '中国平安保险（集团）股份有限公司',
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control_type: '企业法人',
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controller_type: '企业',
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holding_ratio: 52.38,
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holding_shares: 10168542300,
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end_date: '2024-09-30',
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control_chain: '中国平安保险（集团）股份有限公司 -> 平安银行股份有限公司',
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is_listed: true,
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remark: '中国平安通过直接和间接方式控股平安银行',
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}
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],
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// 股权集中度（数组格式，按统计项分组）
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concentration: [
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{ stat_item: '前1大股东', holding_ratio: 52.38, ratio_change: 0.00, end_date: '2024-09-30' },
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{ stat_item: '前3大股东', holding_ratio: 58.42, ratio_change: 0.15, end_date: '2024-09-30' },
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{ stat_item: '前5大股东', holding_ratio: 60.15, ratio_change: 0.22, end_date: '2024-09-30' },
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{ stat_item: '前10大股东', holding_ratio: 63.28, ratio_change: 0.35, end_date: '2024-09-30' },
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{ stat_item: '前1大股东', holding_ratio: 52.38, ratio_change: -0.12, end_date: '2024-06-30' },
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{ stat_item: '前3大股东', holding_ratio: 58.27, ratio_change: -0.08, end_date: '2024-06-30' },
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{ stat_item: '前5大股东', holding_ratio: 59.93, ratio_change: -0.15, end_date: '2024-06-30' },
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{ stat_item: '前10大股东', holding_ratio: 62.93, ratio_change: -0.22, end_date: '2024-06-30' },
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],
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// 高管信息（包含高管、董事、监事、其他）
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management: [
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// === 高管 ===
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{
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name: '谢永林',
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position_name: '董事长',
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position_category: '高管',
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gender: '男',
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birth_year: '1968',
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education: '硕士',
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nationality: '中国',
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start_date: '2019-01-01',
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status: 'active'
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},
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{
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name: '冀光恒',
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position_name: '行长',
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position_category: '高管',
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gender: '男',
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birth_year: '1972',
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education: '博士',
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nationality: '中国',
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start_date: '2023-08-01',
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status: 'active'
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},
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{
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name: '周强',
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position_name: '副行长、董事会秘书',
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position_category: '高管',
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gender: '男',
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birth_year: '1970',
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education: '硕士',
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nationality: '中国',
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start_date: '2016-06-01',
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status: 'active'
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},
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{
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name: '郭世邦',
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position_name: '副行长、首席财务官',
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position_category: '高管',
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gender: '男',
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birth_year: '1972',
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education: '博士',
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nationality: '中国',
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start_date: '2018-03-01',
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status: 'active'
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},
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{
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name: '项有志',
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position_name: '副行长、首席信息官',
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position_category: '高管',
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gender: '男',
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birth_year: '1975',
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education: '硕士',
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nationality: '中国',
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start_date: '2019-09-01',
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status: 'active'
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},
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{
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name: '张小璐',
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position_name: '副行长、首席风险官',
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position_category: '高管',
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gender: '女',
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birth_year: '1973',
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education: '硕士',
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nationality: '中国',
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start_date: '2020-03-15',
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status: 'active'
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},
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// === 董事 ===
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{
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name: '马明哲',
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position_name: '非执行董事',
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position_category: '董事',
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gender: '男',
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birth_year: '1955',
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education: '博士',
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nationality: '中国',
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start_date: '2012-06-15',
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status: 'active'
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},
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{
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name: '孙建一',
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position_name: '非执行董事',
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position_category: '董事',
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gender: '男',
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birth_year: '1960',
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education: '硕士',
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nationality: '中国',
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start_date: '2016-08-20',
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status: 'active'
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},
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{
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name: '陈心颖',
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position_name: '非执行董事',
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position_category: '董事',
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gender: '女',
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birth_year: '1977',
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education: '硕士',
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nationality: '新加坡',
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start_date: '2018-06-01',
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status: 'active'
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},
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{
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name: '黄宝新',
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position_name: '独立非执行董事',
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position_category: '董事',
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gender: '男',
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birth_year: '1962',
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education: '博士',
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nationality: '中国',
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start_date: '2019-06-20',
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status: 'active'
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},
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{
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name: '王志良',
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position_name: '独立非执行董事',
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position_category: '董事',
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gender: '男',
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birth_year: '1958',
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education: '博士',
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nationality: '美国',
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start_date: '2020-06-18',
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status: 'active'
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},
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{
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name: '李曙光',
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position_name: '独立非执行董事',
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position_category: '董事',
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gender: '男',
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birth_year: '1963',
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education: '博士',
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nationality: '中国',
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start_date: '2021-06-25',
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status: 'active'
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},
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// === 监事 ===
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{
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name: '王选庆',
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position_name: '监事会主席',
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position_category: '监事',
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gender: '男',
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birth_year: '1965',
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education: '硕士',
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nationality: '中国',
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start_date: '2017-06-15',
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status: 'active'
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},
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{
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name: '杨峻',
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position_name: '职工监事',
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position_category: '监事',
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gender: '男',
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birth_year: '1970',
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education: '本科',
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nationality: '中国',
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start_date: '2019-06-20',
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status: 'active'
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},
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{
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name: '刘春华',
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position_name: '外部监事',
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position_category: '监事',
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gender: '女',
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birth_year: '1968',
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education: '硕士',
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nationality: '中国',
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start_date: '2020-06-18',
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status: 'active'
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},
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{
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name: '张伟民',
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position_name: '外部监事',
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position_category: '监事',
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gender: '男',
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birth_year: '1966',
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education: '博士',
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nationality: '中国',
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start_date: '2021-06-25',
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status: 'active'
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},
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// === 其他 ===
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{
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name: '陈敏',
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position_name: '合规总监',
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position_category: '其他',
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gender: '女',
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birth_year: '1975',
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education: '硕士',
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nationality: '中国',
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start_date: '2018-09-01',
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status: 'active'
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},
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{
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name: '李明',
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position_name: '审计部总经理',
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position_category: '其他',
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gender: '男',
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birth_year: '1978',
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education: '硕士',
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nationality: '中国',
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start_date: '2019-03-15',
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status: 'active'
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},
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{
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name: '王建国',
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position_name: '法务部总经理',
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position_category: '其他',
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gender: '男',
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birth_year: '1972',
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education: '博士',
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nationality: '中国',
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start_date: '2017-06-01',
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status: 'active'
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}
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],
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// 十大流通股东（字段名与组件期望格式匹配）
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topCirculationShareholders: [
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{ shareholder_rank: 1, shareholder_name: '中国平安保险（集团）股份有限公司', holding_shares: 10168542300, circulation_share_ratio: 52.38, shareholder_type: '法人', end_date: '2024-09-30' },
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{ shareholder_rank: 2, shareholder_name: '香港中央结算有限公司（陆股通）', holding_shares: 542138600, circulation_share_ratio: 2.79, shareholder_type: 'QFII', end_date: '2024-09-30' },
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{ shareholder_rank: 3, shareholder_name: '中国平安人寿保险股份有限公司-传统-普通保险产品', holding_shares: 382456100, circulation_share_ratio: 1.97, shareholder_type: '保险', end_date: '2024-09-30' },
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{ shareholder_rank: 4, shareholder_name: '中国证券金融股份有限公司', holding_shares: 298654200, circulation_share_ratio: 1.54, shareholder_type: '券商', end_date: '2024-09-30' },
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{ shareholder_rank: 5, shareholder_name: '中央汇金资产管理有限责任公司', holding_shares: 267842100, circulation_share_ratio: 1.38, shareholder_type: '法人', end_date: '2024-09-30' },
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{ shareholder_rank: 6, shareholder_name: '全国社保基金一零三组合', holding_shares: 156234500, circulation_share_ratio: 0.80, shareholder_type: '社保', end_date: '2024-09-30' },
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{ shareholder_rank: 7, shareholder_name: '华夏上证50交易型开放式指数证券投资基金', holding_shares: 142356700, circulation_share_ratio: 0.73, shareholder_type: '基金', end_date: '2024-09-30' },
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{ shareholder_rank: 8, shareholder_name: '中国人寿保险股份有限公司-分红-个人分红-005L-FH002深', holding_shares: 128945600, circulation_share_ratio: 0.66, shareholder_type: '保险', end_date: '2024-09-30' },
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{ shareholder_rank: 9, shareholder_name: '易方达沪深300交易型开放式指数发起式证券投资基金', holding_shares: 98765400, circulation_share_ratio: 0.51, shareholder_type: '基金', end_date: '2024-09-30' },
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{ shareholder_rank: 10, shareholder_name: '嘉实沪深300交易型开放式指数证券投资基金', holding_shares: 87654300, circulation_share_ratio: 0.45, shareholder_type: '基金', end_date: '2024-09-30' }
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],
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// 十大股东（字段名与组件期望格式匹配）
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topShareholders: [
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{ shareholder_rank: 1, shareholder_name: '中国平安保险（集团）股份有限公司', holding_shares: 10168542300, total_share_ratio: 52.38, shareholder_type: '法人', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 2, shareholder_name: '香港中央结算有限公司（陆股通）', holding_shares: 542138600, total_share_ratio: 2.79, shareholder_type: 'QFII', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 3, shareholder_name: '中国平安人寿保险股份有限公司-传统-普通保险产品', holding_shares: 382456100, total_share_ratio: 1.97, shareholder_type: '保险', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 4, shareholder_name: '中国证券金融股份有限公司', holding_shares: 298654200, total_share_ratio: 1.54, shareholder_type: '券商', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 5, shareholder_name: '中央汇金资产管理有限责任公司', holding_shares: 267842100, total_share_ratio: 1.38, shareholder_type: '法人', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 6, shareholder_name: '全国社保基金一零三组合', holding_shares: 156234500, total_share_ratio: 0.80, shareholder_type: '社保', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 7, shareholder_name: '华夏上证50交易型开放式指数证券投资基金', holding_shares: 142356700, total_share_ratio: 0.73, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 8, shareholder_name: '中国人寿保险股份有限公司-分红-个人分红-005L-FH002深', holding_shares: 128945600, total_share_ratio: 0.66, shareholder_type: '保险', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 9, shareholder_name: '易方达沪深300交易型开放式指数发起式证券投资基金', holding_shares: 98765400, total_share_ratio: 0.51, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' },
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{ shareholder_rank: 10, shareholder_name: '嘉实沪深300交易型开放式指数证券投资基金', holding_shares: 87654300, total_share_ratio: 0.45, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' }
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],
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// 分支机构（字段与 BranchesPanel 组件匹配）
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branches: [
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{ branch_name: '平安银行股份有限公司北京分行', business_status: '存续', register_capital: '20亿元', legal_person: '张伟', register_date: '2007-03-15', related_company_count: 156 },
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{ branch_name: '平安银行股份有限公司上海分行', business_status: '存续', register_capital: '25亿元', legal_person: '李明', register_date: '2007-05-20', related_company_count: 203 },
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{ branch_name: '平安银行股份有限公司广州分行', business_status: '存续', register_capital: '18亿元', legal_person: '王芳', register_date: '2007-06-10', related_company_count: 142 },
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{ branch_name: '平安银行股份有限公司深圳分行', business_status: '存续', register_capital: '30亿元', legal_person: '陈强', register_date: '1995-01-01', related_company_count: 287 },
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{ branch_name: '平安银行股份有限公司杭州分行', business_status: '存续', register_capital: '15亿元', legal_person: '刘洋', register_date: '2008-09-12', related_company_count: 98 },
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{ branch_name: '平安银行股份有限公司成都分行', business_status: '存续', register_capital: '12亿元', legal_person: '赵静', register_date: '2009-04-25', related_company_count: 76 },
|
||
{ branch_name: '平安银行股份有限公司南京分行', business_status: '存续', register_capital: '14亿元', legal_person: '周涛', register_date: '2010-06-30', related_company_count: 89 },
|
||
{ branch_name: '平安银行股份有限公司武汉分行', business_status: '存续', register_capital: '10亿元', legal_person: '吴磊', register_date: '2011-08-15', related_company_count: 65 },
|
||
{ branch_name: '平安银行股份有限公司西安分行', business_status: '存续', register_capital: '8亿元', legal_person: '郑华', register_date: '2012-10-20', related_company_count: 52 },
|
||
{ branch_name: '平安银行股份有限公司天津分行', business_status: '存续', register_capital: '10亿元', legal_person: '孙丽', register_date: '2013-03-18', related_company_count: 71 },
|
||
{ branch_name: '平安银行股份有限公司重庆分行', business_status: '存续', register_capital: '9亿元', legal_person: '钱峰', register_date: '2014-05-08', related_company_count: 58 },
|
||
{ branch_name: '平安银行股份有限公司苏州分行', business_status: '存续', register_capital: '6亿元', legal_person: '冯雪', register_date: '2015-07-22', related_company_count: 45 },
|
||
],
|
||
|
||
// 公告列表
|
||
announcements: [
|
||
{
|
||
title: '平安银行股份有限公司2024年第三季度报告',
|
||
announce_date: '2024-10-28',
|
||
info_type: '定期报告',
|
||
format: 'PDF',
|
||
file_size: 2580,
|
||
url: '/announcement/detail/ann_20241028_001'
|
||
},
|
||
{
|
||
title: '关于召开2024年第一次临时股东大会的通知',
|
||
announce_date: '2024-10-15',
|
||
info_type: '临时公告',
|
||
format: 'PDF',
|
||
file_size: 156,
|
||
url: '/announcement/detail/ann_20241015_001'
|
||
},
|
||
{
|
||
title: '平安银行股份有限公司关于完成注册资本变更登记的公告',
|
||
announce_date: '2024-09-20',
|
||
info_type: '临时公告',
|
||
format: 'PDF',
|
||
file_size: 89,
|
||
url: '/announcement/detail/ann_20240920_001'
|
||
},
|
||
{
|
||
title: '平安银行股份有限公司2024年半年度报告',
|
||
announce_date: '2024-08-28',
|
||
info_type: '定期报告',
|
||
format: 'PDF',
|
||
file_size: 3420,
|
||
url: '/announcement/detail/ann_20240828_001'
|
||
},
|
||
{
|
||
title: '关于2024年上半年利润分配预案的公告',
|
||
announce_date: '2024-08-20',
|
||
info_type: '分配方案',
|
||
format: 'PDF',
|
||
file_size: 245,
|
||
url: '/announcement/detail/ann_20240820_001'
|
||
}
|
||
],
|
||
|
||
// 披露时间表
|
||
disclosureSchedule: [
|
||
{ report_name: '2024年年度报告', is_disclosed: false, actual_date: null, latest_scheduled_date: '2025-04-30' },
|
||
{ report_name: '2024年第四季度报告', is_disclosed: false, actual_date: null, latest_scheduled_date: '2025-01-31' },
|
||
{ report_name: '2024年第三季度报告', is_disclosed: true, actual_date: '2024-10-28', latest_scheduled_date: '2024-10-31' },
|
||
{ report_name: '2024年半年度报告', is_disclosed: true, actual_date: '2024-08-28', latest_scheduled_date: '2024-08-31' },
|
||
{ report_name: '2024年第一季度报告', is_disclosed: true, actual_date: '2024-04-28', latest_scheduled_date: '2024-04-30' }
|
||
],
|
||
|
||
// 综合分析 - 结构与组件期望格式匹配
|
||
comprehensiveAnalysis: {
|
||
qualitative_analysis: {
|
||
core_positioning: {
|
||
one_line_intro: '中国领先的股份制商业银行，平安集团综合金融战略的核心载体',
|
||
// 核心特性（显示在核心定位区域下方的两个卡片）
|
||
features: [
|
||
{
|
||
icon: 'bank',
|
||
title: '零售业务',
|
||
description: '收入占比超50%，个人客户突破1.2亿户，零售AUM 4.2万亿'
|
||
},
|
||
{
|
||
icon: 'fire',
|
||
title: '综合金融',
|
||
description: '交叉销售和客户资源共享带来持续增长，成本趋近于零'
|
||
}
|
||
],
|
||
// 结构化投资亮点
|
||
investment_highlights: [
|
||
{
|
||
icon: 'users',
|
||
title: '综合金融优势',
|
||
description: '背靠平安集团，客户资源共享和交叉销售带来持续增长动力'
|
||
},
|
||
{
|
||
icon: 'trending-up',
|
||
title: '零售转型成效',
|
||
description: '零售业务收入占比超50%，个人客户突破1.2亿户'
|
||
},
|
||
{
|
||
icon: 'cpu',
|
||
title: '金融科技领先',
|
||
description: 'AI、大数据、区块链等技术深化应用，运营效率持续提升'
|
||
},
|
||
{
|
||
icon: 'shield-check',
|
||
title: '风险管理体系',
|
||
description: '不良贷款率控制在较低水平，拨备覆盖率保持充足'
|
||
}
|
||
],
|
||
// 结构化商业模式
|
||
business_model_sections: [
|
||
{
|
||
title: '零售银行核心驱动',
|
||
description: '以零售银行业务为核心驱动，依托平安集团综合金融平台，构建智能化、移动化、综合化三位一体发展模式。'
|
||
},
|
||
{
|
||
title: '科技赋能转型',
|
||
description: '通过科技赋能实现业务流程数字化，降本增效的同时提升客户体验。',
|
||
tags: ['AI应用深化', '大数据分析']
|
||
},
|
||
{
|
||
title: '对公业务聚焦',
|
||
description: '聚焦供应链金融和产业互联网，服务实体经济高质量发展。'
|
||
}
|
||
],
|
||
// 兼容旧数据格式
|
||
investment_highlights_text: '1. 零售AUM 4.2万亿、抵押贷占比63%，低不良+高拨备形成稀缺安全垫\n2. 背靠平安集团，保险-银行-投资生态协同，交叉销售成本趋近于零\n3. 战略收缩高风险消费贷、发力科技/绿色/普惠"五篇大文章"，资产重构带来息差与估值双升期权',
|
||
business_model_desc: '以零售金融为压舱石，通过按揭、私行财富、信用卡获取低成本负债；对公金融做精行业赛道，输出供应链金融与跨境金融解决方案；同业金融做专投资交易，赚取做市与波段收益。'
|
||
},
|
||
strategy: {
|
||
strategy_description: '以"零售做强、对公做精、同业做专"为主线，通过压降高风险资产、深耕科技绿色普惠、强化集团协同，实现轻资本、弱周期、高股息的高质量增长。',
|
||
strategic_initiatives: '2025年AI 138个项目落地，构建智能风控、智能投顾与智能运营，目标3年降低单位成本10%以上；发行800亿元资本债，用于置换存量高成本次级债并支持科技绿色贷款扩张，目标2026年科技绿色贷款占比提升至15%'
|
||
}
|
||
},
|
||
competitive_position: {
|
||
ranking: {
|
||
industry_rank: 6,
|
||
total_companies: 42
|
||
},
|
||
analysis: {
|
||
main_competitors: '招商银行、兴业银行、中信银行、浦发银行、民生银行',
|
||
competitive_advantages: '1. 综合金融优势：依托平安集团综合金融平台，实现银行、保险、投资等业务协同\n2. 科技创新领先：金融科技投入占营收比重行业领先，AI、大数据应用成熟\n3. 零售客户基础雄厚：个人客户1.2亿+，财富管理AUM持续增长\n4. 品牌认知度高：平安品牌具有较强的公众认知度和信任度',
|
||
competitive_disadvantages: '1. 网点覆盖不如国有大行，在县域地区布局相对薄弱\n2. 对公业务规模与头部股份制银行存在差距\n3. 存款成本相对较高，息差空间受到一定压制'
|
||
},
|
||
scores: {
|
||
market_position: 82,
|
||
technology: 90,
|
||
brand: 85,
|
||
operation: 83,
|
||
finance: 86,
|
||
innovation: 92,
|
||
risk: 84,
|
||
growth: 80
|
||
}
|
||
},
|
||
business_structure: [
|
||
{
|
||
business_name: '零售金融',
|
||
business_level: 1,
|
||
revenue: 812300,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 50.1,
|
||
gross_margin: 42.5
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 11.2
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '信用卡业务',
|
||
business_level: 2,
|
||
revenue: 325000,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 20.1,
|
||
gross_margin: 38.2
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 15.8
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '财富管理',
|
||
business_level: 2,
|
||
revenue: 280500,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 17.3,
|
||
gross_margin: 52.1
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 22.5
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '消费信贷',
|
||
business_level: 2,
|
||
revenue: 206800,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 12.7,
|
||
gross_margin: 35.8
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 8.6
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '对公金融',
|
||
business_level: 1,
|
||
revenue: 685400,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 42.2,
|
||
gross_margin: 38.6
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 6.8
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '公司贷款',
|
||
business_level: 2,
|
||
revenue: 412000,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 25.4,
|
||
gross_margin: 36.2
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 5.2
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '供应链金融',
|
||
business_level: 2,
|
||
revenue: 185600,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 11.4,
|
||
gross_margin: 41.5
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 18.3
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '投资银行',
|
||
business_level: 2,
|
||
revenue: 87800,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 5.4,
|
||
gross_margin: 45.2
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: -2.3
|
||
},
|
||
report_period: '2024Q3'
|
||
},
|
||
{
|
||
business_name: '资金同业',
|
||
business_level: 1,
|
||
revenue: 125800,
|
||
revenue_unit: '万元',
|
||
financial_metrics: {
|
||
revenue_ratio: 7.7,
|
||
gross_margin: 28.2
|
||
},
|
||
growth_metrics: {
|
||
revenue_growth: 3.5
|
||
},
|
||
report_period: '2024Q3'
|
||
}
|
||
],
|
||
business_segments: [
|
||
{
|
||
segment_name: '信用卡业务',
|
||
description: '国内领先的信用卡发卡银行，流通卡量超7000万张',
|
||
key_metrics: { cards_issued: 7200, transaction_volume: 28500, market_share: 8.5 }
|
||
},
|
||
{
|
||
segment_name: '财富管理',
|
||
description: '私人银行及财富管理业务快速发展，AUM突破4万亿',
|
||
key_metrics: { aum: 42000, private_banking_customers: 125000, wealth_customers: 1200000 }
|
||
},
|
||
{
|
||
segment_name: '供应链金融',
|
||
description: '依托科技平台打造智慧供应链金融生态',
|
||
key_metrics: { platform_customers: 35000, financing_balance: 5600, digitization_rate: 95 }
|
||
}
|
||
]
|
||
},
|
||
|
||
// 价值链分析 - 结构与组件期望格式匹配
|
||
valueChainAnalysis: {
|
||
value_chain_flows: [
|
||
// 上游第2级 → 上游第1级
|
||
{
|
||
source: { node_name: '中国人民银行', node_level: -2 },
|
||
target: { node_name: '同业市场', node_level: -1 },
|
||
flow_metrics: { flow_ratio: 35 }
|
||
},
|
||
{
|
||
source: { node_name: '银保监会', node_level: -2 },
|
||
target: { node_name: '同业市场', node_level: -1 },
|
||
flow_metrics: { flow_ratio: 25 }
|
||
},
|
||
{
|
||
source: { node_name: '中国人民银行', node_level: -2 },
|
||
target: { node_name: '债券市场', node_level: -1 },
|
||
flow_metrics: { flow_ratio: 30 }
|
||
},
|
||
// 上游第1级 → 核心企业
|
||
{
|
||
source: { node_name: '同业市场', node_level: -1 },
|
||
target: { node_name: '平安银行', node_level: 0 },
|
||
flow_metrics: { flow_ratio: 40 }
|
||
},
|
||
{
|
||
source: { node_name: '债券市场', node_level: -1 },
|
||
target: { node_name: '平安银行', node_level: 0 },
|
||
flow_metrics: { flow_ratio: 25 }
|
||
},
|
||
{
|
||
source: { node_name: '平安集团', node_level: -1 },
|
||
target: { node_name: '平安银行', node_level: 0 },
|
||
flow_metrics: { flow_ratio: 20 }
|
||
},
|
||
{
|
||
source: { node_name: '金融科技供应商', node_level: -1 },
|
||
target: { node_name: '平安银行', node_level: 0 },
|
||
flow_metrics: { flow_ratio: 15 }
|
||
},
|
||
// 核心企业 → 下游第1级
|
||
{
|
||
source: { node_name: '平安银行', node_level: 0 },
|
||
target: { node_name: '个人客户', node_level: 1 },
|
||
flow_metrics: { flow_ratio: 50 }
|
||
},
|
||
{
|
||
source: { node_name: '平安银行', node_level: 0 },
|
||
target: { node_name: '企业客户', node_level: 1 },
|
||
flow_metrics: { flow_ratio: 35 }
|
||
},
|
||
{
|
||
source: { node_name: '平安银行', node_level: 0 },
|
||
target: { node_name: '政府机构', node_level: 1 },
|
||
flow_metrics: { flow_ratio: 10 }
|
||
},
|
||
{
|
||
source: { node_name: '平安银行', node_level: 0 },
|
||
target: { node_name: '金融同业', node_level: 1 },
|
||
flow_metrics: { flow_ratio: 5 }
|
||
},
|
||
// 下游第1级 → 下游第2级
|
||
{
|
||
source: { node_name: '个人客户', node_level: 1 },
|
||
target: { node_name: '消费场景', node_level: 2 },
|
||
flow_metrics: { flow_ratio: 60 }
|
||
},
|
||
{
|
||
source: { node_name: '企业客户', node_level: 1 },
|
||
target: { node_name: '产业链', node_level: 2 },
|
||
flow_metrics: { flow_ratio: 70 }
|
||
},
|
||
{
|
||
source: { node_name: '政府机构', node_level: 1 },
|
||
target: { node_name: '公共服务', node_level: 2 },
|
||
flow_metrics: { flow_ratio: 80 }
|
||
},
|
||
{
|
||
source: { node_name: '个人客户', node_level: 1 },
|
||
target: { node_name: '产业链', node_level: 2 },
|
||
flow_metrics: { flow_ratio: 20 }
|
||
},
|
||
{
|
||
source: { node_name: '企业客户', node_level: 1 },
|
||
target: { node_name: '公共服务', node_level: 2 },
|
||
flow_metrics: { flow_ratio: 15 }
|
||
}
|
||
],
|
||
value_chain_structure: {
|
||
nodes_by_level: {
|
||
'level_-2': [
|
||
{
|
||
node_name: '中国人民银行',
|
||
node_type: 'regulator',
|
||
node_description: '制定货币政策，维护金融稳定，是银行业的最高监管机构',
|
||
node_level: -2,
|
||
importance_score: 95,
|
||
market_share: null,
|
||
dependency_degree: 100
|
||
},
|
||
{
|
||
node_name: '银保监会',
|
||
node_type: 'regulator',
|
||
node_description: '负责银行业和保险业的监督管理，制定行业规范',
|
||
node_level: -2,
|
||
importance_score: 90,
|
||
market_share: null,
|
||
dependency_degree: 95
|
||
}
|
||
],
|
||
'level_-1': [
|
||
{
|
||
node_name: '同业市场',
|
||
node_type: 'supplier',
|
||
node_description: '银行间资金拆借市场，提供短期流动性支持',
|
||
node_level: -1,
|
||
importance_score: 85,
|
||
market_share: 12.5,
|
||
dependency_degree: 75
|
||
},
|
||
{
|
||
node_name: '债券市场',
|
||
node_type: 'supplier',
|
||
node_description: '债券发行与交易市场，银行重要融资渠道',
|
||
node_level: -1,
|
||
importance_score: 80,
|
||
market_share: 8.2,
|
||
dependency_degree: 60
|
||
},
|
||
{
|
||
node_name: '平安集团',
|
||
node_type: 'supplier',
|
||
node_description: '控股股东，提供综合金融平台支撑和客户资源共享',
|
||
node_level: -1,
|
||
importance_score: 92,
|
||
market_share: 100,
|
||
dependency_degree: 85
|
||
},
|
||
{
|
||
node_name: '金融科技供应商',
|
||
node_type: 'supplier',
|
||
node_description: '提供核心系统、云服务、AI等技术支持',
|
||
node_level: -1,
|
||
importance_score: 75,
|
||
market_share: 15.0,
|
||
dependency_degree: 55
|
||
}
|
||
],
|
||
'level_0': [
|
||
{
|
||
node_name: '平安银行',
|
||
node_type: 'company',
|
||
node_description: '全国性股份制商业银行，零售银行转型标杆，科技驱动战略引领者',
|
||
node_level: 0,
|
||
importance_score: 100,
|
||
market_share: 2.8,
|
||
dependency_degree: 0,
|
||
is_core: true
|
||
}
|
||
],
|
||
'level_1': [
|
||
{
|
||
node_name: '个人客户',
|
||
node_type: 'customer',
|
||
node_description: '零售银行服务对象，超1.2亿户，涵盖储蓄、信用卡、消费贷等业务',
|
||
node_level: 1,
|
||
importance_score: 88,
|
||
market_share: 3.5,
|
||
dependency_degree: 45
|
||
},
|
||
{
|
||
node_name: '企业客户',
|
||
node_type: 'customer',
|
||
node_description: '对公金融服务对象，超90万户，包括大型企业、中小微企业',
|
||
node_level: 1,
|
||
importance_score: 82,
|
||
market_share: 2.1,
|
||
dependency_degree: 40
|
||
},
|
||
{
|
||
node_name: '政府机构',
|
||
node_type: 'customer',
|
||
node_description: '政务金融服务对象，提供财政资金管理、政务支付等服务',
|
||
node_level: 1,
|
||
importance_score: 70,
|
||
market_share: 1.8,
|
||
dependency_degree: 25
|
||
},
|
||
{
|
||
node_name: '金融同业',
|
||
node_type: 'customer',
|
||
node_description: '同业金融服务对象，包括其他银行、保险、基金等金融机构',
|
||
node_level: 1,
|
||
importance_score: 65,
|
||
market_share: 2.5,
|
||
dependency_degree: 20
|
||
}
|
||
],
|
||
'level_2': [
|
||
{
|
||
node_name: '消费场景',
|
||
node_type: 'end_user',
|
||
node_description: '个人消费支付场景，包括电商、餐饮、出行、娱乐等日常消费',
|
||
node_level: 2,
|
||
importance_score: 72,
|
||
market_share: 4.2,
|
||
dependency_degree: 30
|
||
},
|
||
{
|
||
node_name: '产业链',
|
||
node_type: 'end_user',
|
||
node_description: '企业生产经营场景，覆盖采购、生产、销售全链条金融服务',
|
||
node_level: 2,
|
||
importance_score: 78,
|
||
market_share: 2.8,
|
||
dependency_degree: 35
|
||
},
|
||
{
|
||
node_name: '公共服务',
|
||
node_type: 'end_user',
|
||
node_description: '政务公共服务场景，包括社保、医疗、教育等民生领域',
|
||
node_level: 2,
|
||
importance_score: 68,
|
||
market_share: 1.5,
|
||
dependency_degree: 20
|
||
}
|
||
]
|
||
}
|
||
},
|
||
analysis_summary: {
|
||
upstream_nodes: 6,
|
||
company_nodes: 1,
|
||
downstream_nodes: 7,
|
||
total_nodes: 14,
|
||
key_insights: '平安银行处于金融产业链核心位置，上游依托央行政策和集团资源，下游服务广泛的个人和企业客户群体'
|
||
}
|
||
},
|
||
|
||
// 关键因素时间线 - 结构与组件期望格式匹配
|
||
keyFactorsTimeline: {
|
||
key_factors: {
|
||
total_factors: 5,
|
||
categories: [
|
||
{
|
||
category_name: '正面因素',
|
||
category_type: 'positive',
|
||
factors: [
|
||
{
|
||
factor_name: '零售转型深化',
|
||
impact_score: 9.2,
|
||
description: '零售业务收入占比持续提升，已超过50%，客户基础和AUM稳步增长',
|
||
trend: 'improving'
|
||
},
|
||
{
|
||
factor_name: '金融科技领先',
|
||
impact_score: 8.8,
|
||
description: 'AI、大数据等技术应用深化，智能化转型成效显著',
|
||
trend: 'stable'
|
||
},
|
||
{
|
||
factor_name: '资产质量稳定',
|
||
impact_score: 8.5,
|
||
description: '不良贷款率控制在较低水平，风险抵御能力强',
|
||
trend: 'stable'
|
||
}
|
||
]
|
||
},
|
||
{
|
||
category_name: '负面因素',
|
||
category_type: 'negative',
|
||
factors: [
|
||
{
|
||
factor_name: '息差压力',
|
||
impact_score: 6.5,
|
||
description: '利率市场化持续推进，净息差面临收窄压力',
|
||
trend: 'declining'
|
||
}
|
||
]
|
||
},
|
||
{
|
||
category_name: '中性因素',
|
||
category_type: 'neutral',
|
||
factors: [
|
||
{
|
||
factor_name: '监管趋严',
|
||
impact_score: 7.0,
|
||
description: '金融监管持续强化，合规成本有所上升',
|
||
trend: 'stable'
|
||
}
|
||
]
|
||
}
|
||
]
|
||
},
|
||
development_timeline: {
|
||
statistics: {
|
||
positive_events: 10,
|
||
negative_events: 3,
|
||
neutral_events: 2
|
||
},
|
||
events: [
|
||
{
|
||
event_date: '2024-11-15',
|
||
event_title: '获评"最佳零售银行"称号',
|
||
event_type: '荣誉奖项',
|
||
event_desc: '在《亚洲银行家》评选中荣获"中国最佳零售银行"称号，零售转型战略获行业高度认可',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 75,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '品牌价值提升，预计带动零售业务增长2-3%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-10-28',
|
||
event_title: '发布2024年三季报',
|
||
event_type: '业绩公告',
|
||
event_desc: '前三季度实现净利润412.8亿元，同比增长12.5%，超市场预期。零售业务收入占比提升至52.3%',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 88,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '股价当日上涨5.2%，市值增加约150亿元'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-09-20',
|
||
event_title: '房地产贷款风险暴露',
|
||
event_type: '风险事件',
|
||
event_desc: '部分房地产开发贷款出现逾期，计提减值准备约25亿元，不良贷款率小幅上升',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 65,
|
||
is_positive: false
|
||
},
|
||
related_info: {
|
||
financial_impact: '影响当期利润约18亿元，股价下跌2.8%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-09-15',
|
||
event_title: '推出AI智能客服系统3.0',
|
||
event_type: '科技创新',
|
||
event_desc: '新一代AI客服系统上线，集成大语言模型技术，客服效率提升40%，客户满意度达95%',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 72,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '预计年化降低运营成本约3亿元'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-08-28',
|
||
event_title: '发布2024年中报',
|
||
event_type: '业绩公告',
|
||
event_desc: '上半年净利润增长11.2%，达275.6亿元。资产质量保持稳定，不良贷款率1.05%',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 82,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '股价累计上涨3.8%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-07-20',
|
||
event_title: '平安理财获批新产品资质',
|
||
event_type: '业务拓展',
|
||
event_desc: '旗下平安理财获批养老理财产品试点资格，成为首批获批的股份制银行理财子公司',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 78,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '预计为AUM贡献500-800亿元增量'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-06-25',
|
||
event_title: '监管处罚通知',
|
||
event_type: '合规事件',
|
||
event_desc: '因贷款业务违规被银保监会罚款1200万元，涉及信贷资金违规流入房地产领域',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 45,
|
||
is_positive: false
|
||
},
|
||
related_info: {
|
||
financial_impact: '罚款金额对业绩影响有限，但需加强合规管理'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-06-10',
|
||
event_title: '完成300亿元二级资本债发行',
|
||
event_type: '融资事件',
|
||
event_desc: '成功发行300亿元二级资本债券，票面利率3.15%，认购倍数达2.8倍，市场反响良好',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 68,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '资本充足率提升0.35个百分点至13.2%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-05-18',
|
||
event_title: '与腾讯云达成战略合作',
|
||
event_type: '战略合作',
|
||
event_desc: '与腾讯云签署战略合作协议，在云计算、大数据、人工智能等领域开展深度合作',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 70,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '预计3年内科技投入效率提升20%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-04-30',
|
||
event_title: '发布2024年一季报',
|
||
event_type: '业绩公告',
|
||
event_desc: '一季度净利润增长10.8%，达138.2亿元。信用卡业务表现亮眼，交易额同比增长18%',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 80,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '开门红业绩推动股价上涨4.2%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-03-28',
|
||
event_title: '高管层人事变动',
|
||
event_type: '人事变动',
|
||
event_desc: '副行长郭世邦因个人原因辞职，对公业务主管暂由行长冀光恒兼任',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 52,
|
||
is_positive: false
|
||
},
|
||
related_info: {
|
||
financial_impact: '短期内对公业务战略执行或受影响'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-03-15',
|
||
event_title: '零售客户突破1.2亿户',
|
||
event_type: '业务里程碑',
|
||
event_desc: '零售客户数量突破1.2亿户大关，较年初净增800万户，私行客户AUM突破1.5万亿',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 85,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '零售转型成效显著，客户基础进一步夯实'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-02-05',
|
||
event_title: '发布2023年年报',
|
||
event_type: '业绩公告',
|
||
event_desc: '2023年全年净利润464.5亿元，同比增长2.1%。拨备覆盖率277%，资产质量稳健',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 75,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '分红方案：每股派息0.28元，股息率约4.2%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2024-01-10',
|
||
event_title: '供应链金融平台升级',
|
||
event_type: '产品创新',
|
||
event_desc: '供应链金融平台完成4.0版本升级，新增区块链存证、智能风控等功能，服务企业超3.5万家',
|
||
importance: 'medium',
|
||
impact_metrics: {
|
||
impact_score: 72,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '供应链金融余额预计增长25%'
|
||
}
|
||
},
|
||
{
|
||
event_date: '2023-12-20',
|
||
event_title: '获批设立香港分行',
|
||
event_type: '业务拓展',
|
||
event_desc: '获中国银保监会批准设立香港分行，标志着国际化战略迈出重要一步',
|
||
importance: 'high',
|
||
impact_metrics: {
|
||
impact_score: 78,
|
||
is_positive: true
|
||
},
|
||
related_info: {
|
||
financial_impact: '预计为跨境业务带来新增长点'
|
||
}
|
||
}
|
||
]
|
||
}
|
||
},
|
||
|
||
// 盈利预测报告
|
||
forecastReport: {
|
||
income_profit_trend: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
income: [116524, 134632, 148956, 162350, 175280, 189450, 204120],
|
||
profit: [34562, 39845, 43218, 52860, 58420, 64680, 71250]
|
||
},
|
||
growth_bars: {
|
||
years: ['2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
revenue_growth_pct: [15.5, 10.6, 8.9, 8.0, 8.1, 7.7]
|
||
},
|
||
eps_trend: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
eps: [1.78, 2.05, 2.23, 2.72, 3.01, 3.33, 3.67]
|
||
},
|
||
pe_peg_axes: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
pe: [7.4, 6.9, 7.2, 4.9, 4.4, 4.0, 3.6],
|
||
peg: [0.48, 0.65, 0.81, 0.55, 0.55, 0.49, 0.47]
|
||
},
|
||
detail_table: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
rows: [
|
||
{ '指标': '营业总收入(百万元)', '2020': 116524, '2021': 134632, '2022': 148956, '2023': 162350, '2024E': 175280, '2025E': 189450, '2026E': 204120 },
|
||
{ '指标': '营收增长率(%)', '2020': '-', '2021': 15.5, '2022': 10.6, '2023': 8.9, '2024E': 8.0, '2025E': 8.1, '2026E': 7.7 },
|
||
{ '指标': '归母净利润(百万元)', '2020': 34562, '2021': 39845, '2022': 43218, '2023': 52860, '2024E': 58420, '2025E': 64680, '2026E': 71250 },
|
||
{ '指标': '净利润增长率(%)', '2020': '-', '2021': 15.3, '2022': 8.5, '2023': 22.3, '2024E': 10.5, '2025E': 10.7, '2026E': 10.2 },
|
||
{ '指标': 'EPS(稀释,元)', '2020': 1.78, '2021': 2.05, '2022': 2.23, '2023': 2.72, '2024E': 3.01, '2025E': 3.33, '2026E': 3.67 },
|
||
{ '指标': 'ROE(%)', '2020': 14.2, '2021': 15.8, '2022': 15.5, '2023': 16.2, '2024E': 16.5, '2025E': 16.8, '2026E': 17.0 },
|
||
{ '指标': '总资产(百万元)', '2020': 4512360, '2021': 4856230, '2022': 4923150, '2023': 5024560, '2024E': 5230480, '2025E': 5445200, '2026E': 5668340 },
|
||
{ '指标': '净资产(百万元)', '2020': 293540, '2021': 312680, '2022': 318920, '2023': 325680, '2024E': 338560, '2025E': 352480, '2026E': 367820 },
|
||
{ '指标': '资产负债率(%)', '2020': 93.5, '2021': 93.6, '2022': 93.5, '2023': 93.5, '2024E': 93.5, '2025E': 93.5, '2026E': 93.5 },
|
||
{ '指标': 'PE(倍)', '2020': 7.4, '2021': 6.9, '2022': 7.2, '2023': 4.9, '2024E': 4.4, '2025E': 4.0, '2026E': 3.6 },
|
||
{ '指标': 'PB(倍)', '2020': 1.05, '2021': 1.09, '2022': 1.12, '2023': 0.79, '2024E': 0.72, '2025E': 0.67, '2026E': 0.61 }
|
||
]
|
||
}
|
||
}
|
||
};
|
||
|
||
// 生成通用公司数据的工具函数
|
||
export const generateCompanyData = (stockCode, stockName = '示例公司') => {
|
||
// 如果是平安银行，直接返回详细数据
|
||
if (stockCode === '000001') {
|
||
return PINGAN_BANK_DATA;
|
||
}
|
||
|
||
// 随机生成一些基础数值
|
||
const baseRevenue = Math.floor(Math.random() * 50000) + 10000;
|
||
const baseProfit = Math.floor(Math.random() * 5000) + 1000;
|
||
const employeeCount = Math.floor(Math.random() * 20000) + 1000;
|
||
|
||
// 生成通用数据，结构与组件期望格式匹配
|
||
return {
|
||
stockCode,
|
||
stockName,
|
||
basicInfo: {
|
||
SECCODE: stockCode,
|
||
SECNAME: stockName,
|
||
ORGNAME: `${stockName}股份有限公司`,
|
||
english_name: `${stockName} Co., Ltd.`,
|
||
reg_capital: Math.floor(Math.random() * 500000) + 10000,
|
||
legal_representative: '张三',
|
||
chairman: '张三',
|
||
general_manager: '李四',
|
||
secretary: '王五',
|
||
reg_address: '中国某省某市某区某路123号',
|
||
office_address: '中国某省某市某区某路456号',
|
||
zipcode: '100000',
|
||
tel: '010-12345678',
|
||
fax: '010-12345679',
|
||
email: 'ir@company.com',
|
||
website: 'http://www.company.com',
|
||
sw_industry_l1: '制造业',
|
||
sw_industry_l2: '电子设备',
|
||
sw_industry_l3: '消费电子',
|
||
establish_date: '2005-01-01',
|
||
list_date: '2010-06-15',
|
||
province: '广东省',
|
||
city: '深圳市',
|
||
credit_code: '91440300XXXXXXXXXX',
|
||
company_size: '中型企业',
|
||
accounting_firm: '安永华明会计师事务所',
|
||
law_firm: '北京市君合律师事务所',
|
||
company_intro: `${stockName}股份有限公司是一家专注于XX领域的高科技企业，致力于为客户提供优质的产品和服务。公司拥有完善的研发体系和生产能力，在行业内具有较强的竞争力。`,
|
||
main_business: '电子产品的研发、生产和销售',
|
||
business_scope: '电子产品、通信设备、计算机软硬件的研发、生产、销售；技术咨询、技术服务；货物进出口、技术进出口。',
|
||
employees: employeeCount,
|
||
},
|
||
actualControl: [
|
||
{
|
||
actual_controller_name: '某控股集团有限公司',
|
||
controller_name: '某控股集团有限公司',
|
||
control_type: '企业法人',
|
||
controller_type: '企业',
|
||
holding_ratio: 35.5,
|
||
holding_shares: 1560000000,
|
||
end_date: '2024-09-30',
|
||
control_chain: `某控股集团有限公司 -> ${stockName}股份有限公司`,
|
||
is_listed: false,
|
||
}
|
||
],
|
||
concentration: [
|
||
{ stat_item: '前1大股东', holding_ratio: 35.5, ratio_change: 0.12, end_date: '2024-09-30' },
|
||
{ stat_item: '前3大股东', holding_ratio: 52.3, ratio_change: 0.25, end_date: '2024-09-30' },
|
||
{ stat_item: '前5大股东', holding_ratio: 61.8, ratio_change: 0.18, end_date: '2024-09-30' },
|
||
{ stat_item: '前10大股东', holding_ratio: 72.5, ratio_change: 0.32, end_date: '2024-09-30' },
|
||
{ stat_item: '前1大股东', holding_ratio: 35.38, ratio_change: -0.08, end_date: '2024-06-30' },
|
||
{ stat_item: '前3大股东', holding_ratio: 52.05, ratio_change: -0.15, end_date: '2024-06-30' },
|
||
{ stat_item: '前5大股东', holding_ratio: 61.62, ratio_change: -0.10, end_date: '2024-06-30' },
|
||
{ stat_item: '前10大股东', holding_ratio: 72.18, ratio_change: -0.20, end_date: '2024-06-30' },
|
||
],
|
||
management: [
|
||
// 高管
|
||
{ name: '张三', position_name: '董事长', position_category: '高管', gender: '男', birth_year: '1969', education: '硕士', nationality: '中国', start_date: '2018-06-01', status: 'active' },
|
||
{ name: '李四', position_name: '总经理', position_category: '高管', gender: '男', birth_year: '1974', education: '硕士', nationality: '中国', start_date: '2019-03-15', status: 'active' },
|
||
{ name: '王五', position_name: '董事会秘书', position_category: '高管', gender: '女', birth_year: '1979', education: '本科', nationality: '中国', start_date: '2020-01-10', status: 'active' },
|
||
{ name: '赵六', position_name: '财务总监', position_category: '高管', gender: '男', birth_year: '1976', education: '硕士', nationality: '中国', start_date: '2017-09-01', status: 'active' },
|
||
{ name: '钱七', position_name: '技术总监', position_category: '高管', gender: '男', birth_year: '1982', education: '博士', nationality: '中国', start_date: '2021-06-01', status: 'active' },
|
||
// 董事
|
||
{ name: '孙八', position_name: '非执行董事', position_category: '董事', gender: '男', birth_year: '1965', education: '博士', nationality: '中国', start_date: '2016-06-15', status: 'active' },
|
||
{ name: '周九', position_name: '非执行董事', position_category: '董事', gender: '男', birth_year: '1968', education: '硕士', nationality: '中国', start_date: '2018-06-20', status: 'active' },
|
||
{ name: '吴十', position_name: '独立董事', position_category: '董事', gender: '女', birth_year: '1972', education: '博士', nationality: '美国', start_date: '2019-06-18', status: 'active' },
|
||
{ name: '郑十一', position_name: '独立董事', position_category: '董事', gender: '男', birth_year: '1970', education: '博士', nationality: '中国', start_date: '2020-06-25', status: 'active' },
|
||
// 监事
|
||
{ name: '冯十二', position_name: '监事会主席', position_category: '监事', gender: '男', birth_year: '1967', education: '硕士', nationality: '中国', start_date: '2017-06-15', status: 'active' },
|
||
{ name: '陈十三', position_name: '职工监事', position_category: '监事', gender: '女', birth_year: '1975', education: '本科', nationality: '中国', start_date: '2019-06-20', status: 'active' },
|
||
{ name: '楚十四', position_name: '外部监事', position_category: '监事', gender: '男', birth_year: '1971', education: '硕士', nationality: '中国', start_date: '2020-06-18', status: 'active' },
|
||
// 其他
|
||
{ name: '卫十五', position_name: '合规负责人', position_category: '其他', gender: '男', birth_year: '1978', education: '硕士', nationality: '中国', start_date: '2018-09-01', status: 'active' },
|
||
{ name: '蒋十六', position_name: '内审部负责人', position_category: '其他', gender: '女', birth_year: '1980', education: '硕士', nationality: '中国', start_date: '2019-03-15', status: 'active' },
|
||
],
|
||
topCirculationShareholders: [
|
||
{ shareholder_rank: 1, shareholder_name: '某控股集团有限公司', holding_shares: 560000000, circulation_share_ratio: 35.50, shareholder_type: '法人', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 2, shareholder_name: '香港中央结算有限公司（陆股通）', holding_shares: 156000000, circulation_share_ratio: 9.88, shareholder_type: 'QFII', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 3, shareholder_name: '中国平安人寿保险股份有限公司-传统-普通保险产品', holding_shares: 89000000, circulation_share_ratio: 5.64, shareholder_type: '保险', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 4, shareholder_name: '中国证券金融股份有限公司', holding_shares: 67000000, circulation_share_ratio: 4.24, shareholder_type: '券商', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 5, shareholder_name: '中央汇金资产管理有限责任公司', holding_shares: 45000000, circulation_share_ratio: 2.85, shareholder_type: '法人', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 6, shareholder_name: '全国社保基金一零三组合', holding_shares: 34000000, circulation_share_ratio: 2.15, shareholder_type: '社保', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 7, shareholder_name: '华夏上证50交易型开放式指数证券投资基金', holding_shares: 28000000, circulation_share_ratio: 1.77, shareholder_type: '基金', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 8, shareholder_name: '中国人寿保险股份有限公司-分红-个人分红-005L-FH002深', holding_shares: 23000000, circulation_share_ratio: 1.46, shareholder_type: '保险', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 9, shareholder_name: '易方达沪深300交易型开放式指数发起式证券投资基金', holding_shares: 19000000, circulation_share_ratio: 1.20, shareholder_type: '基金', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 10, shareholder_name: '嘉实沪深300交易型开放式指数证券投资基金', holding_shares: 15000000, circulation_share_ratio: 0.95, shareholder_type: '基金', end_date: '2024-09-30' }
|
||
],
|
||
topShareholders: [
|
||
{ shareholder_rank: 1, shareholder_name: '某控股集团有限公司', holding_shares: 560000000, total_share_ratio: 35.50, shareholder_type: '法人', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 2, shareholder_name: '香港中央结算有限公司（陆股通）', holding_shares: 156000000, total_share_ratio: 9.88, shareholder_type: 'QFII', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 3, shareholder_name: '中国平安人寿保险股份有限公司-传统-普通保险产品', holding_shares: 89000000, total_share_ratio: 5.64, shareholder_type: '保险', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 4, shareholder_name: '中国证券金融股份有限公司', holding_shares: 67000000, total_share_ratio: 4.24, shareholder_type: '券商', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 5, shareholder_name: '中央汇金资产管理有限责任公司', holding_shares: 45000000, total_share_ratio: 2.85, shareholder_type: '法人', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 6, shareholder_name: '全国社保基金一零三组合', holding_shares: 34000000, total_share_ratio: 2.15, shareholder_type: '社保', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 7, shareholder_name: '华夏上证50交易型开放式指数证券投资基金', holding_shares: 28000000, total_share_ratio: 1.77, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 8, shareholder_name: '中国人寿保险股份有限公司-分红-个人分红-005L-FH002深', holding_shares: 23000000, total_share_ratio: 1.46, shareholder_type: '保险', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 9, shareholder_name: '易方达沪深300交易型开放式指数发起式证券投资基金', holding_shares: 19000000, total_share_ratio: 1.20, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' },
|
||
{ shareholder_rank: 10, shareholder_name: '嘉实沪深300交易型开放式指数证券投资基金', holding_shares: 15000000, total_share_ratio: 0.95, shareholder_type: '基金', share_nature: '流通A股', end_date: '2024-09-30' }
|
||
],
|
||
branches: [
|
||
{ branch_name: `${stockName}北京分公司`, business_status: '存续', register_capital: '5000万元', legal_person: '张伟', register_date: '2012-05-01', related_company_count: 23 },
|
||
{ branch_name: `${stockName}上海分公司`, business_status: '存续', register_capital: '8000万元', legal_person: '李明', register_date: '2013-08-15', related_company_count: 35 },
|
||
{ branch_name: `${stockName}广州分公司`, business_status: '存续', register_capital: '3000万元', legal_person: '王芳', register_date: '2014-03-20', related_company_count: 18 },
|
||
{ branch_name: `${stockName}深圳分公司`, business_status: '存续', register_capital: '6000万元', legal_person: '陈强', register_date: '2015-06-10', related_company_count: 28 },
|
||
{ branch_name: `${stockName}成都分公司`, business_status: '存续', register_capital: '2000万元', legal_person: '刘洋', register_date: '2018-09-25', related_company_count: 12 },
|
||
{ branch_name: `${stockName}武汉子公司`, business_status: '注销', register_capital: '1000万元', legal_person: '赵静', register_date: '2016-04-18', related_company_count: 5 },
|
||
],
|
||
announcements: [
|
||
{ title: `${stockName}2024年第三季度报告`, announce_date: '2024-10-28', info_type: '定期报告', format: 'PDF', file_size: 1850, url: '#' },
|
||
{ title: `${stockName}2024年半年度报告`, announce_date: '2024-08-28', info_type: '定期报告', format: 'PDF', file_size: 2340, url: '#' },
|
||
{ title: `关于重大合同签订的公告`, announce_date: '2024-07-15', info_type: '临时公告', format: 'PDF', file_size: 128, url: '#' },
|
||
],
|
||
disclosureSchedule: [
|
||
{ report_name: '2024年年度报告', is_disclosed: false, actual_date: null, latest_scheduled_date: '2025-04-30' },
|
||
{ report_name: '2024年第三季度报告', is_disclosed: true, actual_date: '2024-10-28', latest_scheduled_date: '2024-10-31' },
|
||
{ report_name: '2024年半年度报告', is_disclosed: true, actual_date: '2024-08-28', latest_scheduled_date: '2024-08-31' },
|
||
],
|
||
comprehensiveAnalysis: {
|
||
qualitative_analysis: {
|
||
core_positioning: {
|
||
one_line_intro: `${stockName}是XX行业的领先企业，专注于为客户提供创新解决方案`,
|
||
investment_highlights: '1. 行业龙头地位，市场份额领先\n2. 技术研发实力强，专利储备丰富\n3. 客户资源优质，大客户粘性高\n4. 管理团队经验丰富，执行力强',
|
||
business_model_desc: `${stockName}采用"研发+生产+销售"一体化经营模式，通过持续的技术创新和产品迭代，为客户提供高性价比的产品和服务。`
|
||
},
|
||
strategy: '坚持技术创新驱动发展，深耕核心业务领域，积极拓展新兴市场，持续提升企业核心竞争力。'
|
||
},
|
||
competitive_position: {
|
||
ranking: {
|
||
industry_rank: Math.floor(Math.random() * 20) + 1,
|
||
total_companies: 150
|
||
},
|
||
analysis: {
|
||
main_competitors: '竞争对手A、竞争对手B、竞争对手C',
|
||
competitive_advantages: '技术领先、品牌优势、客户资源丰富、管理团队优秀',
|
||
competitive_disadvantages: '规模相对较小、区域布局有待完善'
|
||
},
|
||
scores: {
|
||
market_position: Math.floor(Math.random() * 20) + 70,
|
||
technology: Math.floor(Math.random() * 20) + 70,
|
||
brand: Math.floor(Math.random() * 20) + 65,
|
||
operation: Math.floor(Math.random() * 20) + 70,
|
||
finance: Math.floor(Math.random() * 20) + 70,
|
||
innovation: Math.floor(Math.random() * 20) + 70,
|
||
risk: Math.floor(Math.random() * 20) + 70,
|
||
growth: Math.floor(Math.random() * 20) + 70
|
||
}
|
||
},
|
||
business_structure: [
|
||
{ business_name: '核心产品', revenue: baseRevenue * 0.6, ratio: 60, growth: 12.5, report_period: '2024Q3' },
|
||
{ business_name: '增值服务', revenue: baseRevenue * 0.25, ratio: 25, growth: 18.2, report_period: '2024Q3' },
|
||
{ business_name: '其他业务', revenue: baseRevenue * 0.15, ratio: 15, growth: 5.8, report_period: '2024Q3' }
|
||
],
|
||
business_segments: []
|
||
},
|
||
valueChainAnalysis: {
|
||
value_chain_flows: [
|
||
{ from: '原材料供应商', to: stockName, type: 'supply', label: '原材料采购' },
|
||
{ from: '设备供应商', to: stockName, type: 'supply', label: '设备采购' },
|
||
{ from: stockName, to: '直销客户', type: 'sales', label: '直销' },
|
||
{ from: stockName, to: '经销商', type: 'sales', label: '分销' },
|
||
{ from: '经销商', to: '终端用户', type: 'distribution', label: '零售' }
|
||
],
|
||
value_chain_structure: {
|
||
nodes_by_level: {
|
||
'level_-2': [
|
||
{ node_name: '原材料供应商', node_type: 'supplier', description: '提供生产所需原材料' }
|
||
],
|
||
'level_-1': [
|
||
{ node_name: '设备供应商', node_type: 'supplier', description: '提供生产设备' },
|
||
{ node_name: '技术服务商', node_type: 'supplier', description: '提供技术支持' }
|
||
],
|
||
'level_0': [
|
||
{ node_name: stockName, node_type: 'company', description: '核心企业', is_core: true }
|
||
],
|
||
'level_1': [
|
||
{ node_name: '直销客户', node_type: 'customer', description: '大客户直销' },
|
||
{ node_name: '经销商', node_type: 'customer', description: '渠道分销' }
|
||
],
|
||
'level_2': [
|
||
{ node_name: '终端用户', node_type: 'end_user', description: '最终消费者' }
|
||
]
|
||
}
|
||
},
|
||
analysis_summary: {
|
||
upstream_nodes: 3,
|
||
company_nodes: 1,
|
||
downstream_nodes: 3,
|
||
total_nodes: 7,
|
||
key_insights: `${stockName}在产业链中处于核心位置，上下游关系稳定`
|
||
}
|
||
},
|
||
keyFactorsTimeline: {
|
||
key_factors: {
|
||
total_factors: 3,
|
||
categories: [
|
||
{
|
||
category_name: '正面因素',
|
||
category_type: 'positive',
|
||
factors: [
|
||
{
|
||
factor_name: '业绩增长',
|
||
impact_score: 8.5,
|
||
description: '营收和利润保持稳定增长态势',
|
||
trend: 'improving'
|
||
}
|
||
]
|
||
},
|
||
{
|
||
category_name: '负面因素',
|
||
category_type: 'negative',
|
||
factors: [
|
||
{
|
||
factor_name: '原材料成本',
|
||
impact_score: 6.0,
|
||
description: '原材料价格波动影响毛利率',
|
||
trend: 'declining'
|
||
}
|
||
]
|
||
},
|
||
{
|
||
category_name: '中性因素',
|
||
category_type: 'neutral',
|
||
factors: [
|
||
{
|
||
factor_name: '市场竞争',
|
||
impact_score: 7.0,
|
||
description: '行业竞争加剧，需持续提升竞争力',
|
||
trend: 'stable'
|
||
}
|
||
]
|
||
}
|
||
]
|
||
},
|
||
development_timeline: {
|
||
statistics: {
|
||
positive_events: 4,
|
||
negative_events: 0,
|
||
neutral_events: 0
|
||
},
|
||
events: [
|
||
{ date: '2024-10-28', event: '发布三季报', type: '业绩公告', importance: 'high', impact: '业绩超预期', change: '+3.5%', sentiment: 'positive' },
|
||
{ date: '2024-08-28', event: '发布中报', type: '业绩公告', importance: 'high', impact: '业绩稳定增长', change: '+2.8%', sentiment: 'positive' },
|
||
{ date: '2024-06-15', event: '新产品发布', type: '产品发布', importance: 'medium', impact: '丰富产品线', change: '+1.5%', sentiment: 'positive' },
|
||
{ date: '2024-04-28', event: '发布一季报', type: '业绩公告', importance: 'high', impact: '开门红', change: '+2.2%', sentiment: 'positive' }
|
||
]
|
||
}
|
||
},
|
||
forecastReport: {
|
||
income_profit_trend: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
income: [baseRevenue * 0.6, baseRevenue * 0.7, baseRevenue * 0.8, baseRevenue * 0.9, baseRevenue, baseRevenue * 1.1, baseRevenue * 1.2],
|
||
profit: [baseProfit * 0.6, baseProfit * 0.7, baseProfit * 0.8, baseProfit * 0.9, baseProfit, baseProfit * 1.1, baseProfit * 1.2]
|
||
},
|
||
growth_bars: {
|
||
years: ['2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
revenue_growth_pct: [16.7, 14.3, 12.5, 11.1, 10.0, 9.1]
|
||
},
|
||
eps_trend: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
eps: [0.45, 0.52, 0.60, 0.68, 0.76, 0.84, 0.92]
|
||
},
|
||
pe_peg_axes: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
pe: [22.2, 19.2, 16.7, 14.7, 13.2, 11.9, 10.9],
|
||
peg: [1.33, 1.34, 1.34, 1.32, 1.32, 1.31, 1.20]
|
||
},
|
||
detail_table: {
|
||
years: ['2020', '2021', '2022', '2023', '2024E', '2025E', '2026E'],
|
||
rows: [
|
||
{ '指标': '营业总收入(百万元)', '2020': baseRevenue * 0.6, '2021': baseRevenue * 0.7, '2022': baseRevenue * 0.8, '2023': baseRevenue * 0.9, '2024E': baseRevenue, '2025E': baseRevenue * 1.1, '2026E': baseRevenue * 1.2 },
|
||
{ '指标': '营收增长率(%)', '2020': '-', '2021': 16.7, '2022': 14.3, '2023': 12.5, '2024E': 11.1, '2025E': 10.0, '2026E': 9.1 },
|
||
{ '指标': '归母净利润(百万元)', '2020': baseProfit * 0.6, '2021': baseProfit * 0.7, '2022': baseProfit * 0.8, '2023': baseProfit * 0.9, '2024E': baseProfit, '2025E': baseProfit * 1.1, '2026E': baseProfit * 1.2 },
|
||
{ '指标': 'EPS(稀释,元)', '2020': 0.45, '2021': 0.52, '2022': 0.60, '2023': 0.68, '2024E': 0.76, '2025E': 0.84, '2026E': 0.92 },
|
||
{ '指标': 'ROE(%)', '2020': 12.5, '2021': 13.2, '2022': 13.8, '2023': 14.2, '2024E': 14.5, '2025E': 14.8, '2026E': 15.0 },
|
||
{ '指标': 'PE(倍)', '2020': 22.2, '2021': 19.2, '2022': 16.7, '2023': 14.7, '2024E': 13.2, '2025E': 11.9, '2026E': 10.9 }
|
||
]
|
||
}
|
||
}
|
||
};
|
||
};
|