存贷业务精准发力、严控不良指标，地方银行打响年中经营战

Group 1 - The core viewpoint of the articles highlights the ongoing efforts of local banks to optimize their deposit structures, accelerate credit issuance, and enhance the recovery of non-performing loans as they transition into the second quarter of 2025 [1][4][5] - Local banks are focusing on precise customer acquisition strategies in response to the pressure of declining interest margins, aiming to improve the quality of loan assets and avoid homogenized competition [4][6] - Several banks, including Wanzai Rural Commercial Bank and Fushan Rural Commercial Bank, have set specific targets for increasing both deposit and loan balances while enhancing marketing efforts to attract small and scattered customers [3][5] Group 2 - The emphasis on controlling non-performing loan rates is a significant focus for many local banks, with strategies in place to monitor overdue loans and improve recovery processes [5][6] - Banks are encouraged to expand their savings sources through community marketing and enhance their service offerings to improve customer loyalty and stabilize their liability structures [6] - The need for local banks to leverage financial technology and data-driven risk management to optimize credit management and enhance service efficiency is underscored [6]