向恶性竞争宣战！多地银行业出台“反内卷”措施

Core Viewpoint - The banking industry is facing challenges from "involutionary" competition, which is driving up operational costs and eroding profits, prompting various regions to take action against such practices [1][2]. Group 1: Industry Response to Involutionary Competition - The Ningbo Banking Association has initiated a self-discipline convention focused on personal housing loans to combat involutionary competition, emphasizing the need for compliance and the cessation of rebate practices [1]. - The Guangdong Banking Association has established a comprehensive rectification plan against involutionary competition, which includes a negative list and self-discipline agreements [2]. - The Ningxia Banking Association has implemented a four-step mechanism to regulate market order and promote compliance and innovation within the banking sector [2]. Group 2: Consequences of Involutionary Competition - In the short term, some institutions may gain market share through illegal rebates and lowered standards, but this undermines industry profits [3]. - Long-term effects include a decline in service quality, weakened risk management, and potential systemic risks to the banking sector [3]. - The need for enhanced self-regulation and differentiation in services is emphasized to address the root causes of excessive competition [3].