招行零售条线并未“换帅” “零售之王”构建适配14万亿AUM架构

21世纪经济报道03-11

21世纪经济报道记者黄子潇深圳报道一则人事变动，再度引发市场对“零售之王”招商银行的关注。21世纪经济报道记者从多位接近招行人士确认，近日，招商银行总行零售金融总部总经理已不再由私人银行部总经理赵悦兼任；原总行零售金融总部副总经理陆小荣已接任这一职务，赵悦此后则专注于私行业务。对此，有市场观点解读为招行零售金融业务“换帅”。但记者从知情人士了解到，该解读为误读，零售金融总部不能与零售金融板块“...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohunote.com/m/news/2518735202?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2025-03-11 08:37","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2518735202","market":"hk","top_or_hot":-1,"title":"招行零售条线并未“换帅” “零售之王”构建适配14万亿AUM架构","media":"21世纪经济报道","content":"<div>\n<p>21世纪经济报道记者 黄子潇 深圳报道一则人事变动，再度引发市场对“零售之王”招商银行的关注。21世纪经济报道记者从多位接近招行人士确认，近日，招商银行总行零售金融总部总经理已不再由私人银行部总经理赵悦兼任；原总行零售金融总部副总经理陆小荣已接任这一职务，赵悦此后则专注于私行业务。对此，有市场观点解读为招行零售金融业务“换帅”。但记者从知情人士了解到，该解读为误读，零售金融总部不能与零售金融板块“...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250311085543abf46105&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>招行零售条线并未“换帅” “零售之王”构建适配14万亿AUM架构</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n招行零售条线并未“换帅” “零售之王”构建适配14万亿AUM架构\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-03-11 08:37 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250311085543abf46105&s=b><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>21世纪经济报道记者 黄子潇 深圳报道一则人事变动，再度引发市场对“零售之王”招商银行的关注。21世纪经济报道记者从多位接近招行人士确认，近日，招商银行总行零售金融总部总经理已不再由私人银行部总经理赵悦兼任；原总行零售金融总部副总经理陆小荣已接任这一职务，赵悦此后则专注于私行业务。对此，有市场观点解读为招行零售金融业务“换帅”。但记者从知情人士了解到，该解读为误读，零售金融总部不能与零售金融板块“...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250311085543abf46105&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"LU0384037296.USD","symbol_name":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) ACC","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250311085543abf46105&s=b","article_id":"2518735202","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250311085543abf46105&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2518735202","pubTimestamp":1741653420,"columns":[],"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"2024年三季报显示，招行零售客户数达2.06亿户，零售客户总资产余额达14.3万亿元。“零售之王”正在寻找与之适配的高效架构。但在2021年前后，招行对零售金融总部部分团队进行剥离，与原财富管理部合并组建财富平台部，使得其总行架构更为精细化。因此，招行此次人事变动并非部分观点所称的零售金融“换帅”，系总行一级部门的正常调动。交易所公开信息显示，招行将在3月26日披露2024年年报。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"600036":"招商银行","LU0384037296.USD":"ALLIANZ ASIAN MULTI INCOME PLUS \"AT\" (USD) ACC","03968":"招商银行","LU1152091754.HKD":"UBS (LUX) EQUITY FUND - CHINA OPPORTUNITY (USD) \"PM\" (HKD) INC","IE00BZ08YT58.USD":"GUINNESS BEST OF CHINA \"C\" (USD) ACC","LU2778985437.USD":"ALLIANZ CHINA FUTURE TECHNOLOGIES \"A\" (USD) INC","LU2039709279.SGD":"MANULIFE GF DRAGON GROWTH \"AA\" (SGDHDG) INC","IE00B031J352.USD":"FSSA GREATER CHINA GROWTH \"I\" (USD) INC","LU0370786039.SGD":"Fidelity Greater China A-SGD","LU0287142896.SGD":"Fidelity China Focus A-SGD","LU1688375341.USD":"贝莱德中国灵活股票基金","LU1152091168.USD":"UBS (LUX) EQUITY FUND - CHINA OPPORTUNITY (USD) \"PM\" INC","LU0516423174.USD":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (USD) ACC","LU0797268264.HKD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT\" (HKD) ACC","LU0540923850.HKD":"ALLIANZ HONG KONG EQUITY \"A\" (HKD) INC","LU0326950275.SGD":"Schroder ISF China Opportunities A Acc SGD-H","IE00B543WZ88.USD":"NEUBERGER BERMAN CHINA EQUITY \"A\" (USD) ACC","LU1226287529.USD":"UBS (LUX) KEY SELECTION SICAV - CHINA ALLOCATION  OPPORTUNITY (USD) \"P\" (USD) ACC","LU1961090484.USD":"ALLIANZ ALL CHINA EQUITY \"A\" (USD) INC","LU0417516902.SGD":"Allianz China Equity Cl AT Acc SGD","LU0348827113.USD":"ALLIANZ RCM CHINA \"AT\" ACC","LU0593848301.USD":"未来资产亚洲卓越消费股票基金A","LU0918141887.USD":"安联亚洲实际收益股票基金","IE00B29SXG58.USD":"FSSA CHINA FOCUS \"I\" (USD) ACC","LU1770034418.SGD":"ALL CHINA EQUITY \"A\" (SGDHDG) ACC","LU1880383366.USD":"东方汇理中国股票基金 A2 (C)","03143":"华夏香港银行股","LU0469268626.HKD":"AB FCP I-ASIA EX JAPAN EQUITY PTF(AD","LU0359201612.USD":"贝莱德中国基金A2","IE00BVYPNQ40.USD":"GUINNESS ASIAN EQUITY INCOME \"C\" (USD) ACC","LU1813983027.USD":"MANULIFE GF DRAGON GROWTH \"AA\" (USD) INC","IE00BZ08YS42.EUR":"GUINNESS BEST OF CHINA \"C\" (EUR) ACC","IE00B031HY20.USD":"FSSA CHINA GROWTH \"I\" (USD) INC","LU0516422952.EUR":"FULLERTON LUX FUNDS - ASIA FOCUS EQUITIES \"I\" (EUR) ACC","LU0588546209.SGD":"Eastspring Investments - China Equity Fund AS SGD","LU0880133367.SGD":"UBS (LUX) EQUITY FUND CHINA OPPORTUNITY USD \"P\" (SGD) ACC","IE00BGHQDM52.EUR":"GUINNESS ASIAN EQUITY INCOME \"C\" (EUR) ACC","LU2226246903.HKD":"ALLIANZ TOTAL RETURN ASIAN EQUITY \"AT4\" (HKD) ACC","LU0640798160.USD":"EASTSPRING INVESTMENTS GLOBAL EMERGING MARKET DYNAMIC \"A\" (USD) ACC","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","LU0561508036.HKD":"ALLIANZ CHINA EQUITY \"A\" (HKD) INC","LU0463099449.HKD":"SCHRODER ISF CHINA OPPORTUNITIES \"A\" (HKD) ACC","LU1719994722.HKD":"NINETY ONE GSF ALL CHINA EQUITY \"A\" (HKD) ACC","LU1675838814.USD":"AB SICAV I - EMERGING MARKETS LOW VOLATILITY EQUITY PORTFOLIO \"AD\" (USD) INC","SG9999002828.SGD":"Eastspring Investments Unit Trusts - Dragon Peacock A SGD","LU0072913022.USD":"UBS (LUX) EQUITY FUND -  GREATER CHINA \"P\" (USD) ACC","LU0456827905.SGD":"JPMorgan Funds - China A (acc) SGD","LU0543330566.HKD":"TEMPLETON BRIC \"A\" (HKD) ACC","LU0307460666.USD":"EASTSPRING INVESTMENTS CHINA EQUITY \"A\" ACC","LU0067412154.USD":"UBS (LUX) EQUITY FUND -  CHINA OPPORTUNITY \"P\" (USD) ACC","LU0589944569.HKD":"ALLIANZ EMERGING ASIA EQUITY \"AT\" (HKD) ACC"},"translate_title":"China Merchants Bank's retail line has not \"changed coaches\" and the \"king of retail\" has built a 14 trillion AUM architecture","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"600036":0.9,"03143":0.6,"03968":1},"content_text":"21世纪经济报道记者 黄子潇 深圳报道一则人事变动，再度引发市场对“零售之王”招商银行的关注。21世纪经济报道记者从多位接近招行人士确认，近日，招商银行总行零售金融总部总经理已不再由私人银行部总经理赵悦兼任；原总行零售金融总部副总经理陆小荣已接任这一职务，赵悦此后则专注于私行业务。对此，有市场观点解读为招行零售金融业务“换帅”。但记者从知情人士了解到，该解读为误读，零售金融总部不能与零售金融板块“画等号”。招行目前没有采用事业部制，在近年一系列架构调整后，零售金融总部调整为平级的总行一级部门，当前主要负责经营分析、效能管理等中后台职能。2024年三季报显示，招行零售客户数达2.06亿户，零售客户总资产余额达14.3万亿元。“零售之王”正在寻找与之适配的高效架构。零售金融总部的职能调整2021年以前，招商银行曾设置过总行零售金融总部总裁一职。招行副行长彭家文、“招商系”旗下博时基金总经理张东都曾担任过这一职位。招行零售金融总部最初是一个统筹全行零售业务的部门。但在2021年前后，招行对零售金融总部部分团队进行剥离，与原财富管理部合并组建财富平台部，使得其总行架构更为精细化。21世纪经济报道记者独家了解到，目前的零售金融总部，目前下设近10个二级团队，包括队伍效能团队、支付产品团队、品牌建设团队等，目前主要负责经营分析、产品策划等中后台职能。而零售金融总部并不等同于零售金融板块。因此，招行此次人事变动并非部分观点所称的零售金融“换帅”，系总行一级部门的正常调动。接近招行人士还告诉记者，该人事变动发生于今年一月下旬。公开履历显示，陆小荣系招行“少壮派”，曾入选上海青年金才计划。他在招行工作达20年，曾任招行信用卡中心信用风险管理部总经理兼数据分析中心主任、招行信用卡中心总经理助理、招行信用卡中心副总经理。据招行微刊介绍，陆小荣在信用卡中心工作期间，被共事十几年的同事评价为“保持着活跃的思维，充满新想法和好点子”。适配14亿元零售盘子的架构零售银行是招商银行在立行之初打下的烙印。2024年半年报中，零售金融业务占据该行57.11%的税前利润以及55.48%的营业收入，且占比还略有上升。即便在提出四大板块均衡协同发展后，招行依然给予了零售金融极高的定位，表述为“财富生态的大平台、资产业务的压舱石、飞轮效应的驱动力、价值创造的领航者” 。不过，当银行零售从高增长迈入深度调整阶段，“零售之王”也面临着来自大环境的调整压力。当前，招商银行的零售金融架构涵盖财富平台部、零售信贷部、零售金融总部、零售客群部、信用卡中心、私人银行部等总行一级部门。目前分管零售板块的为招行副行长王颖。有人认为招行零售此前有着一些事业部的味道，但一位接近招行人士向记者表示，“现在零售业务的客群和财富不能完全分开，很难有严格意义上的事业部。”对此，强化总行的服务能力、加大对17家重点区域分行的投入、提升分行的综合能力是招行零售架构调整的思路。在上一年的年度发布会上，招商银行管理层曾表示，招行在2024年1月总行零售条线增设零售客群部，同时也对零售金融总部、财富平台部、私人银行部的职责进行了“适当调整”。而零售架构调整的目的在于强化总行服务能力，落实好零售银行发展战略。而在分行层面，招行恢复了综合支行，从以前的对公、零售各自为战变成目前支行行长统筹管理，以提升市场竞争力，并让组织架构和招行战略更相适配。作为招行零售的另一王牌，招行私人银行业务仍然稳步增长，2024年三季报显示，该行私人银行客户达15.96万户，较上年末增长7.22%。本次卸任零售金融总部总经理后，赵悦得以专注于管理私人银行业务。事实上，赵悦在2020年就曾担任招行私人银行部总经理，而后调任至总行零售金融部总部任总经理，并再度兼任私人银行部总经理。本次则彻底回归私行。截至2024年9月末，招商银行管理零售客户总资产（AUM）余额14.34万亿元，较上年末增长7.69%；零售客户数2.06亿户（含借记卡和信用卡客户），较上年末增长4.57%。交易所公开信息显示，招行将在3月26日披露2024年年报。按照惯例，业绩说明会也将在晚些时候在香港举行。","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.33.1","shortVersion":"4.33.1","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2518735202"}