“万亿”不是终点而是新起点

Core Viewpoint - The banking industry is shifting from a focus on scale and speed to a balanced approach that emphasizes quality and effective growth, recognizing that both aspects are interrelated rather than contradictory [1][2]. Group 1: Industry Dynamics - The banking sector is redefining its survival and development rights amid economic fluctuations and regulatory changes, where mere scale expansion can lead to systemic risks if not managed properly [1]. - Historically, there was a strong positive correlation between profit growth and scale expansion during the interest rate control period, leading to a scale-oriented development model [1]. - The current competition paradigm in the banking industry has fundamentally changed, moving away from extensive growth driven by scale to a more refined approach focusing on asset-liability management, digital risk control, and specialized customer service [2]. Group 2: Development Strategy - True development in banking should be a symbiotic relationship between scale and quality, as well as a dynamic balance between speed and efficiency [2]. - Banks need to adopt a tailored growth strategy based on their unique attributes and regional economic characteristics, shifting the focus from scale as an end goal to a means of addressing developmental challenges [2]. - The transition from scale banks to value banks requires finding a dynamic balance among scale, quality, and efficiency, supported by regional deepening, technological empowerment, and capital management [2]. Group 3: Future Outlook - The future landscape of the banking industry may see the emergence of large-scale banks that not only match regional economic positions but also possess specialized capabilities in niche markets [2]. - The real competitive advantage will lie in asset quality, digital capabilities, and the efficiency of serving the real economy, rather than merely achieving a trillion-scale [2][3].