麦肯锡:寒冬腊梅,银行全速数字化展现风华 | 《中国TOP40银行价值创造排行榜(2020)》

2019NIANYILAI,GUONEIYINXINGYEJINGYINGHUANJINGDEBUQUEDINGXINGYINSUZENGDUO、TIAOZHANYUEFAYANJUN。

2019年以来,国内银行业经营环境的不确定性因素增多、挑战越发严峻。一方面,新冠疫情肆虐,宏观经济下行,全球贸易摩擦和多边贸易政策变化加剧了外部不确定性,实体经济杠杆率升高,企业债务风险、信用风险与之俱增,银行处境日益艰难。另一方面,监管着重整顿银行业经营乱象,风险分类新规、系统重要性银行评估办法出台,宏观审慎评估体系进一步完善,对银行信用风险管理提出更高要求。同时,在改革背景下,一年期LPR利率从2019年8月的4.25%阶梯状下行至2020年12月的3.85%,导致银行利差收窄,资产端压力增大。

回望2020年,新冠疫情严重打击全球经济、贸易与消费,中小企业普遍经营困难,出现业绩恶化、资金链断裂等问题;国际贸易急剧下滑,复杂的全球疫情形势和恶劣的经济情况给银行业带来显著影响。后疫情时代,国内宏观经济逐步复苏带动银行业基本面修复,政策引导金融机构让利实体经济,银行业普遍加大资金投放并降低贷款成本,银行资产质量与盈利能力进一步承压。可以预见,滞留信用风险将逐步暴露,将对银行产生较大冲击。与此同时,互联网+金融监管趋严也凸显出传统金融机构数字化转型的价值,在数字化方面领先的金融机构有望抢占更大市场。在疫情影响、国家政策支持与异业/同业竞争三方作用下,全速推进数字化已成为众多金融机构的重要发展方向。

MAIKENXIQUANQIUZISHENDONGSHIHEHUOREN、ZHONGGUOQUJINRONGJIGOUZIXUNYEWUFUZERENQUXIANGJUNBIAOSHI:“ZAIQUANQIUJINGJIPUBIANXIAXINGDEBEIJINGXIA,GUONEIJINRONGJIANGUANBUMENDUIYINXINGYEZHICHISHITIJINGJIHEJIAQIANGFENGXIANGUANLIFANGMIANJUNTICHULEJIAOGAOYAOQIU;CONGYEWUFAZHANKAN,ZAILILVZHUBUZOUXIANGSHICHANGHUA、YIBASAIERXIEYIWEIZHUDAODEZIBENJIANGUANZHUBUJIAQIANGDEBEIJINGXIA,YINXINGCHUANTONGXINDAITOUFANGMOSHIDEYEWUGONGXIANZHUJIANJIANGDI,YEWUMOSHICHUANGXINCHENGWEIZHONGYAOKETI。CONGNEIBUYUNYINGKAN,YINXINGRENGRANCUNZAILIUCHENGJIEDIANDUO、TAOLUNDUO,KEHUTIYANXIANGDUIJIAOCHADENGTONGDIAN,NEIBUMINJIEHUA、SHUZIHUACHENGDUYOUDAITISHENG。MIANDUIQIANSUOWEIYOUDETIAOZHAN,ZHONGXINSIKAOZISHENZHANLVEDINGWEIJIFAZHANLUJING,TONGGUOQUANSUSHUZIHUADAZAOXINJINGZHENGYOUSHI、MOUQIUKECHIXUFAZHAN,YICHENGWEISUOYOUYINXINGGONGTONGMIANDUIDEKETI,YINCIYESHIJINNIANBAOGAOGUANZHUDEZHONGDIAN。”

2020NIANBAOGAOJIXUXUANQU40JIADAIBIAOXINGYINXINGZUOWEIYANGBEN,YANGBENYINXINGYUQUNIANYIZHI。BAOGAOZHUYAOJIYUGAI40JIAYINXING2019NIANNIANBAOSHUJUHE2020NIANZHONGBAOSHUJU,JISUANGEJIAYINXING2019NIANHE2020NIANNIANHUAJIAZHICHUANGZAOQINGKUANGBINGJINXINGPAIMING。YOUYUJIEZHIBAOGAOWANGAOSHI2020NIANQUANNIANNIANBAOSHANGWEIPILU,2020NIANNIANHUAJIEGUOYUSHIJIQINGKUANGKENENGCUNZAICHURU,2020NIANNIANHUAJIEGUOJINGONGCANKAO。GENJUYINBAOJIANHUIGONGBUDESHANGYEYINXINGYENIANDUTONGJISHUJU,JIEZHI2019NIANDI,ZHEI40JIAYINXINGGUANLILEZHONGGUOSHANGYEYINXINGYE83%DEZICHAN,GONGXIANLEJIN90%DESHUIHOUJINGLIRUN。YINCI,ZHEIXIEYINXINGJUYOUZUGOUDEXINGYEDAIBIAOXING。

YANJIUJIEGUOBAOKUO:

1.ZHENDUI40JIAJUYOUDAIBIAOXINGDEYINXING,FENXINAXIEYINXINGZAICHUANGZAOJIAZHI,NAXIEZAIHUIMIEJIAZHI

2019NIANTOP40JIAYINXINGHEJISHIXIANJINGJILIRUNYUE5,255YIYUANRENMINBI[1];PINGJUNZIBENHUIBAOLV(RAROC)WEI15.9%,JIAO2018NIANDE16.3%XIAJIANG0.4GEBAIFENDIAN,ZI2017NIANYILAILIANXUDISANNIANXIAJIANG。

YUJI2020NIANNIANHUAJINGJILIRUNYUEWEI4,477YIYUANRENMINBI,NIANHUAPINGJUNZIBENHUIBAOLV(RAROC)YUE15.1%,JIANGJIAO2019NIANJINYIBUXIAJIANG0.8GEBAIFENDIAN。

2019NIAN,TOP40JIAYINXINGZHONGYOU27JIAYINXINGJINGJILIRUNWEIZHENGZHI,13JIAYINXINGJINGJILIRUNWEIFUZHI;YOU14JIAYINXINGJINGJILIRUNXIAHUA。20JIAYINXINGRAROCSHANGSHENG,20JIAYINXINGRAROCXIAJIANG。

2020NIAN,TOP40JIAYINXINGZHONGYUJIYOU28JIAYINXINGDENIANHUAJINGJILIRUNWEIZHENGZHI,12JIAYINXINGWEICHUANGZAOJINGJILIRUN;YUJIYOU20JIAYINXING2020NIANNIANHUARAROCJIAO2019NIANTIGAO,QIZHONG13JIAYINXINGYUJIJIANGZAI2019NIANHE2020NIANLIANXULIANGNIANTIGAO。

2019NIANWUDAXINGJIYOUCHUYINXING、QUANGUOXINGGUFENZHIYINXING、ZHUYAOCHENGSHANGXINGHEZHUYAONONGSHANGXINGDERAROCFENBIEWEI17.8%、13.4%、12.4%HE16.9%。QIZHONGWUDAXINGJIYOUCHUYINXING、QUANGUOXINGGUFENZHIYINXINGHEZHUYAONONGSHANGXINGDERAROCFENBIETONGBIXIAJIANG0.6、0.2HE0.1GEBAIFENDIAN,ZHUYAOCHENGSHANGXINGDERAROCTONGBISHANGSHENG0.4GEBAIFENDIAN。

2020NIAN,WUDAXINGJIYOUCHUYINXING、QUANGUOXINGGUFENZHIYINXING、ZHUYAOCHENGSHANGXINGHEZHUYAONONGSHANGXINGDENIANHUARAROCYUJIFENBIEWEI16.7%、12.8%、13.2%HE15.2%,CHUZHUYAOCHENGSHANGXINGWAI,QIYUSANLEIYINXINGDEPINGJUNZIBENHUIBAOYUJIJUNYOUMINGXIANXIAJIANG。

SILEIYINXINGZHONG,GUFENZHIYINXINGHECHENGSHANGXINGMIANLINDEJINGZHENGYALIZUIDA,JINGJILIRUNCHUANGZAOYALIZUIDA。GUFENZHIYINXINGZIBENXIAOHAOJIAOGAO,QIECHULIBULIANGZICHANYALIJIAOZHONG,CHENGSHANGXINGDEJINGLIXISHOUYILVHEZHONGSHOUCHUANGZAONENGLISUIRANXIANZHUTISHENG,DANRENGRANSHISILEIYINXINGZHONGZUIDIDE,TUOLEIQIZIBENHUIBAOLVDESHIXIAN。

2. TANTAO40JIAYINXINGJIAZHITISHENGDEWUDAGUANJIANQUDONGYAOSUYIJIQUSHIFENXI

(1)CHUWUDAXINGJIYOUCHUWAI,DUOSHUYINXINGDEJINGLIXISHOUYILVHUISHENG。JIANYIYINXINGJIAQIANGZUHEDINGJIAJIANSHI,ZAIQIANGHUAZICHANDINGJIANENGLIDETONGSHI,JIJIFAZHANPUHUIJINRONG、ZHICHISHITIJINGJI,BINGTONGGUOSHUZIHUAZHINENGHUASHOUDUANXIAOHUAHEYINGDUIXIANGYINGFENGXIAN。

(2)2019NIANWUDAXINGJIYOUCHUYINXINGHEZHUYAOCHENGSHANGXINGDEDANWEIZICHANFEILIXISHOUYILVTONGBISHANGSHENG,FENBIEDADAO0.72%HE0.70%。QUANGUOXINGGUFENZHIYINXINGDEFEILIXISHOUYILVYOUSUOHUILUO,DANZAISILEIYINXINGZHONGRENGRANZUIJIA,DADAO1.03%;ZHUYAONONGSHANGXINGDANWEIZICHANFEILIXISHOUYILVDAFUHUILUOZHI0.44%。DADUOSHUYINXINGYIKAISHIXUNQIUZHONGSHOUCHAYIHUAFAZHANZHILU,JIANYIWEILAIJIJITANSUOZENGZHANGDEDIERQUXIAN,JIJIYANZHANKAIFANGSHENGTAIDEBIANJIE,JIAQIANGYUJINRONGKEJIopeTIYUDIANJINGGUANFANGWANGZHANLIANHECHUANGXIN,DAZAOSHENGTAIQUAN。

(3)2019NIAN,WUDAXINGJIYOUCHUHEZHUYAOCHENGSHANGXINGYINGYEFEIYONGLVJUNYOUSHANGSHENG,FENBIEDADAO0.95%HE0.65%;QUANGUOXINGGUFENZHIYINXINGYUZHUYAONONGSHANGXINGYINGYEFEIYONGLVXIAJIANG,FENBIEWEI0.85%HE0.73%。JIANYIYINXINGTONGGUOYUNYINGZUOYEJIZHONGHUA、JINGYINGZIYUANZHENGHEHUA、GUANJIANZUOYESHUZIHUADENGZHUASHOUKEXUEYOUXIAODIJIANGDIYUNYINGCHENGBEN。

(4)CHUZHUYAONONGSHANGXINGWAI,GELEIYINXINGZHENGTIZICHANZHILIANGJIAO2018NIANYOUSUOGAISHAN。QUANGUOXINGGUFENZHIYINXINGDEBULIANGLVJIGUANZHU+BULIANGLVRENGRANZUIGAO,WEI3.81%;QICIFENBIEWEIWUDAXINGJIYOUCHU(3.75%)、ZHUYAOCHENGSHANGXING(3.31%)HEZHUYAONONGSHANGXING(2.88%)。JIANYIYINXINGTONGGUOSHUZIHUASHOUDUANJIXUJIAQIANGDAIQIANZHUNRU、DAIZHONGFUCHA、DAIHOUZUHEFENGXIANGUANLI,TISHENGFENGXIANYUJINGNENGLI, LUOSHIWENTIZICHANFENCENGCELVE, BINGJIASUCHUZHIWENTIZICHAN。

(5)2019NIAN,GELEIYINXINGDEFENGXIANQUANZHONGJUNYOUXIAOFUSHANGSHENG,SHUOMINGDUOSHUYINXINGJIBENSHANGRENGYIKUOZHANGFENGXIANZICHANDEMOSHISHIXIANZENGZHANG,JINGYINGMOSHIRENGYILAIZIBENHAOYONG。SUIRANBUFENYINXINGYIKAISHIZHONGSHIQINGZIBENGUANLI,DANDUOSHUYINXINGYIRANTINGLIUZAIZHONGZIBENMOSHI。JIANYIYINXINGZHEYANYUYOUHUADAIKUANZUHEDEZONGHESHOUYI,YICIWEIBIAOGANJINXINGZIBENDEYOUXIAOPEIZHI。TONGSHI,JIANYIYINXINGXINGCHENGYIJIAZHITISHENGWEIMUBIAODEDAIKUANXINGYEZUHECELVE,JIANLIYIJIAZHITISHENGWEIHEXINDEYUSUANKAOHEJIZHI,TIGAOZIBENSHIYONGDEYOUXIAOXING,SHIXIANCONGGUIMOYINXINGXIANGJIAZHIYINXINGZHUANXING。

MAIKENXIQUANQIUDONGSHIHEHUORENZHOUNINGRENRENWEI: “JINGJILIRUNGAODIYUYINXINGZICHANGUIMOBINGBUYIDINGXIANGGUAN。DANSHIJINGJILIRUNJIAOGAODEYINXING,WANGWANGJINGXICHA、JINGLICHAHEZHONGSHOUCHUANGZAONENGLIJIAOGAO,CHENGBENKONGZHIHEFENGXIANGUANLINENGLIJIAOQIANG,TONGSHIZIBENHAOYONGXIANGDUIJIAODI。JIANYIYINXINGZAIQIANGHUACHUANGSHOUHEFENGKONGNENGLIDETONGSHI,XIANGQINGZICHANMOSHIZHUANXING。”

3. FENXIYINXINGDAIKUANXINGYEZUHEYUopeTIYUDIANJINGGUANFANGWANGZHANZUHESHIFOUCHUANGZAOJIAZHI,WEIYINXINGZICHANTOUFANG、TISHENGZICHANZHILIANGTIGONGCANKAO

JIYUDANGQIANDUIGONGYEWUDEXINGSHIHEFAZHANQUSHI,BAOGAOJIANYIYINXINGSHISHIDAIKUAN“XINGYEZHUANYEHUA”CELVE,SHISHIDIAOZHENGDAIKUANJIEGOU,PIPEIXINGYEFAZHANQUSHIDETONGSHIKAOLVJINGQIXUNHUAN。BIJINGBUTONGXINGYEMIANLINBUTONGDEJINGQIXUNHUAN,ZHENDUIJINGQIXIAXINGXINGYE,YINXINGTONGCHANGNANYICONGZHONGHUOLI。DANJISHISHISHANGXINGXINGYE,YINXINGYEKENENGMIANLINKUISUN。

ZAI20GEZHUYAODUIGONGXINGYETOUFANGZHONG,2019NIANYOU6GEXINGYEDERAROCWEIFU。DUIGONGXINGYERAROCPAIMINGQIAN5MINGDEFENBIESHIGONGGONGGUANLI、JINRONG、SHUILIHUANJING、WEISHENGYUZULINSHANGWU,QIZHONGGONGGONGGUANLIDERAROCDADAO40.4%。NONGLINYUMUHEPIFALINGSHOUSHIRAROCBIAOXIANZUICHADELIANGGEXINGYE,FENBIEWEIFU22.0%HEFU15.0%;PIFALINGSHOUYIJINGLIANXU4NIANPAIMINGDAOSHULIANGWEI。

XINGYECHUXIANFUJINGJILIRUNDEZHUYAOYUANYINZAIYUYINXINGMEIYOUJIANCHIFENGXIANDINGJIA。BAOGAOZAIFENXI40JIAYINXINGDEXINGYEZUHEHOUFAXIAN,BUFENXINGYE(RUZHIZAOYE、PIFALINGSHOUYE、NONGLINYUMUDENG)DAIKUANGUIMODA、BULIANGDAIKUANLVGAO,BINGQIEZIBENHAOYONGGAO。ZHEIXIEXINGYEDEBULIANGLVYUANGAOYUDUIGONGXINGYEPINGJUNZICHANDEBULIANGLV,SUOXUDEPINGSUNDINGJIADUOCHUYUJIAOGAOWEIZHI。DANYOUYUZHEIXIEXINGYEDEDAIKUANZONGHESHOUYILVDIYUSUOXUPINGSUNDINGJIA,QIEDAIKUANZHANBIGAO、WEIYUEFENGXIANGAO、ZIBENZHANYONGGAO,ZAOCHENGLEYINXINGJINGJISUNSHI。

WOMENJIANYIDUIGONGYEWULUOSHI“XINGYEZHUANYEHUA”,HELIFENPEIRIJIANXIQUEDEZIBENZIYUAN,PEIHEJIANGUANHEHONGGUANZHENGCEFANGZHEN,TIGAOZICHANZONGTIZHILIANG,SHIXIANSHENGENGGAOJIAZHIKEHU、TISHENGZONGHESHOUYILV、DUIKANGZHOUQIXINGBODONG、DAZAOZHANGQIYOUSHIDEMUBIAO。

JIANYIYINXINGDINGQIDIAOZHENGXINGYEJIEGOU,ZAIZIBENJIANGUANYAOQIUXIAJINXINGDONGTAIDIAOZHENG。LIYONGYOUXIANDEZIBENCHUANGZAOGENGGAODEJINGJIJIAZHI。YOUJIANYUCI,ZAIYUANYOUZIBENBUBIANDEQIANTIXIA,BAOGAODUIYINXINGDAIKUANXINGYEZUHEJINXINGYOUHUAMONI,YOUHUADAIKUANJIEGOU,ZENGDAHAOYONGDIERZIBENHUIBAOLVGAODEXINGYEBIZHONG,XIANGYINGJIANSHAOZIBENSHOUYIDIQIEHAOYONGGAODEXINGYEBIZHONG。WOMENDUIBIXINDAIZUHEYOUHUAQIANHOUDEZHUYAOJINGJIZHIBIAOHOUFAXIAN,ZAIZIBENBUBIANDEQINGKUANGXIA,ROEKEYIZENGJIA0.8~1.5GEBAIFENDIAN。

SANDAHEXINYEWUJIANYI

YI、LINGSHOUDAIKUANBIZHONGJIAOXIAODANJINGJILIRUNJIAZHIJIAODA:LINGSHOUDAIKUANZHANZHENGTIDAIKUANGUIMODE41%,QUEGONGXIANLEJIN47%DEJINGSHOURU。JIANYIYINXINGZAIDAIKUANBIZHONGSHANGBUDUANXIANGLINGSHOUDAIKUANQINGXIE。

ER、opeTIYUDIANJINGGUANFANGWANGZHANYINXINGYEWUZUOHAO“XINGYEZHUANYEHUA”JIKEHUDESHENDUZONGHEJINGYING,TONGGUOZHUANYEHUACELVEJINYIBULEJIEQIYEXUQIU,CONGERSHEJICHUGENGHAODEopeTIYUDIANJINGGUANFANGWANGZHANJIFUWU,GONGCHUANGSHUANGYINGJUMIAN。

SAN、SHISHIFENGXIANDINGJIAYUDINGQIJIANSHI。

4. YINGDUIDUOBIANJUSHI,TUIDONGGAOZHIGAOSUFAZHANDELIUDANENGLIJIANSHEZHANLVE

TONGGUOZONGJIEDUOJIALINGXIANYINXINGDEFAZHANLICHENG,MAIKENXICONGSANDAFANGMIANCHUFA(“YOUNEIJIWAI”DENEIHANSHIYEWUFAZHAN、“YOUWAIJINEI”DEWAIYANSHIYEWUKUOZHAN、ZUZHIRENCAIHEKEJIFUNENG),TICHULIUDANENGLIJIANSHEZHANLVE:YI、JIANSHELINGSHOUYINXINGGEXINGHUASHUZIYINGXIAO4DTIXI;ER、DAZAOopeTIYUDIANJINGGUANFANGWANGZHANYINXINGSHUZIHUAJINGYING4CMOSHI;SAN、TONGGUOBINGGOUYUSHENGTAIQUANJIANSHESHIXIANWAIYANSHIFAZHAN;SI、MINJIEZUZHIYUWENHUADEZHUANXINGLUODI;WU、PEIYANGFUHEXINGJIZHANLVEXINGRENCAIDUIWU;LIU、HANGSHISHUZIHUAJICHUSHESHI。

MAIKENXIQUANQIUDONGSHIHEHUORENHANFENGBIAOSHI: “ZAILINGSHOUYINXINGFANGMIAN,WOMENJIANYIGUONEIYINXINGTONGGUODAZAOSHUJUJICHU、ZHINENGJUECE、MINJIESHEJIHEJINGZHUNCHUDA,FUYIMROIPINGJIATIXI,ZAIGEXINGHUA、DONGJIANQUDONG、TIYANSHEJI、JISHUHESUDUZHEIWUDAZHANCHANGSHANGTUPO。ZAIopeTIYUDIANJINGGUANFANGWANGZHANYINXINGFANGMIAN,WOMENJIANYIGUONEIYINXINGJIANLICHAYIHUAQUANQUDAOFUGAI、GOUJIANXIANJINDEKUAopeTIYUDIANJINGGUANFANGWANGZHANJICHANGJINGPINGTAI、TISHENGKEHUTIYANHEJIANLIYONGLIQUDONGDEDASHUJUPINGTAI,ZUOWEIWEILAIDESIDAZENGZHANGYINQING。TONGSHI,WOMENJIANYIGUONEIYINXINGJIJIKAITUOWAIYANSHIFAZHANJIHUI,TONGGUOBINGGOUHUOZHANLVEHEZUO,WEIRAOYINXINGDEMUBIAOKEQUNHEHEXINYEWUZHANKAIopeTIYUDIANJINGGUANFANGWANGZHANCHUANGXIN。CHUCIYIWAI,TONGGUOTUIDONGMINJIEZUZHIZHUANXING、JIANSHEFUHEXINGRENCAIDUIWUBINGHANGSHISHUZIHUAJICHUSHESHI,JIASUJINRONGKEJIYINGYONGLUODI,CONGERTIGAOSHENGCHANLV、JIASUJUECELIUCHENG、YOUHUAKEHUTIYAN、QIANGHUAYUANGONGRENTONG,ZUIZHONGCHUANGZAOGENGDAJIAZHI。”

曲向军最后总结道: “尽管内外部环境十分严峻,未来还存在巨大不确定性,但众多先知先觉的金融机构正在学习互联网+企业的最佳实践,加速推进数字化,提升自身适应能力和应变能力。中国银行业应积极推动以敏捷化、数字化和生态圈为抓手的经营管理变革,在后疫情时代全速推进数字化,实现从规模银行向价值银行转型,从而创造更高价值、战胜未来挑战,续写新篇章。”

DIANJICICHUHUODEBAOGAOJINGJIANBAN。

ZUOZHE:

NIYILISHIMAIKENXIQUANQIUZISHENDONGSHIHEHUOREN,CHANGZHUXIANGGANGFENopeTIYUDIANJINGGUANFANGWANGZHAN

QUXIANGJUNSHIMAIKENXIQUANQIUZISHENDONGSHIHEHUOREN,CHANGZHUXIANGGANGFENopeTIYUDIANJINGGUANFANGWANGZHAN

ZHOUNINGRENSHIMAIKENXIQUANQIUDONGSHIHEHUOREN,CHANGZHUSHENZHENFENopeTIYUDIANJINGGUANFANGWANGZHAN

HAN FENGSHIMAIKENXIQUANQIUDONGSHIHEHUOREN,CHANGZHUSHENZHENFENopeTIYUDIANJINGGUANFANGWANGZHAN

GUOKAIYUANSHIMAIKENXIQUANQIUFUDONGSHIHEHUOREN,CHANGZHUSHANGHAIFENopeTIYUDIANJINGGUANFANGWANGZHAN

TONGXIANGYUNSHIMAIKENXIQUANQIUFUDONGSHIHEHUOREN,CHANGZHUSHANGHAIFENopeTIYUDIANJINGGUANFANGWANGZHAN

PAN HAOSHIMAIKENXIQUANQIUFUDONGSHIHEHUOREN,CHANGZHUSHANGHAIFENopeTIYUDIANJINGGUANFANGWANGZHAN

LIAOHONGYINGSHIMAIKENXIZHISHIZHUANJIA,CHANGZHUSHANGHAIFENopeTIYUDIANJINGGUANFANGWANGZHAN

ZUOZHECHENGZHIGANXIEZHOUHONG、ZHOUYUCHEN、DONGZHONGKAN、LILUXIN、SUWENYANG、WANGPENG、HEJUE、WANGLEIZHI(Glenn Leibowitz)、LUZHIJUAN、LIXIAOYUN、JIANGXIAOHUAJIQITATONGSHIDUIBENBAOGAODEGONGXIAN。



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