广东金融业“反内卷” 建立“1+3+N”综合整治体系

Core Viewpoint - The Guangdong financial regulatory authority has initiated measures to combat "involution" competition in the banking and insurance sectors, aiming to maintain industry order and promote sustainable development [1][4]. Group 1: Banking Sector Initiatives - The Guangdong Banking Association has established a "1+3+N" system to address "involution" competition, which includes a negative list from regulatory bodies and self-regulatory measures from industry associations [2]. - Various banking associations in Guangdong are actively implementing self-regulatory measures to combat "involution" competition, focusing on price competition in core business areas like deposits and loans [3]. - A large bank in Guangzhou has communicated the regulatory spirit regarding "involution" competition to its frontline operations, indicating a commitment to rational and healthy competition [3]. Group 2: Insurance Sector Actions - The Guangdong Insurance Association has convened meetings to address "involution" competition, emphasizing the need for self-regulation and adherence to business norms [4][5]. - A self-regulatory charter has been released by the Guangdong Insurance Association, outlining strict cost management and measures to resist malicious price wars [5][6]. - The charter specifies actions against price competition, including prohibiting the provision of benefits outside of insurance contracts and limiting fees to intermediaries [5][6].