报名入口 | 低利率时代：金融机构的韧性重塑之路（6月24日）

Core Viewpoint - The article discusses the ongoing challenges faced by financial institutions in China due to a prolonged low-interest-rate environment, which is impacting profitability and necessitating strategic transformations [2]. Group 1: Economic Context - China's interest rates have been continuously declining due to economic transformation, real estate adjustments, and global monetary policy cycles [2]. - Major commercial banks have reduced deposit rates multiple times, with some one-year fixed deposit rates falling below 1% [2]. Group 2: Financial Institutions' Responses - Banks are compressing high-cost liabilities and diversifying asset allocation to explore growth in non-interest income [2]. - Insurance companies are adjusting preset interest rates and product structures to manage the pressure from "interest spread losses" [2]. Group 3: Challenges and Strategic Requirements - The shift in residents' investment preferences and the trend of cross-market financial asset allocation are complicating financial institutions' efforts to stabilize liabilities and control duration mismatches [2]. - The low-interest-rate environment is evolving from a cyclical phenomenon into a systemic challenge, raising demands for financial institutions' strategic transformation, risk pricing capabilities, and macro-prudential governance frameworks [2]. Group 4: Event Details - The "Big Financial Thought Salon" is organized by the International Monetary Research Institute of Renmin University of China to discuss the resilience of financial institutions in the low-interest-rate era [2]. - The event will take place on June 24, 2025, and will feature discussions among various experts from academia and the financial industry [2][3].