银行密集召开年中工作会议，三大关键词擘画下半年发展路径

Core Viewpoint - The banking sector is focusing on enhancing service quality to the real economy, risk prevention, cost reduction, and digital transformation as key themes for the second half of 2025 [1][2]. Group 1: Financial Support for the Real Economy - Financial institutions' RMB loan balance reached 268.56 trillion yuan by the end of June, with a year-on-year growth of 7.1% [2]. - In the first half of 2025, new RMB loans amounted to 12.92 trillion yuan, indicating strong credit support for the real economy [2]. - The growth in loans is primarily driven by corporate loans, with a focus on manufacturing and infrastructure sectors [2]. Group 2: Risk Management - Risk prevention remains a top priority for banks, with a focus on enhancing risk management systems and compliance [4]. - Banks are adopting a systematic approach to improve asset quality and compliance, moving away from traditional growth metrics [4][5]. - Emphasis is placed on strengthening internal controls and consumer protection to mitigate systemic risks [4]. Group 3: Cost Reduction and Efficiency Improvement - The banking sector is entering a new cycle characterized by slower revenue growth and narrowing interest margins, making cost reduction and efficiency improvement critical [5][6]. - Banks are encouraged to optimize their business structures and enhance sustainable development capabilities through cost management [6]. - Regulatory bodies are addressing "involution" in the banking sector, focusing on price competition and encouraging self-regulation [7][8]. Group 4: Digital Transformation - The central government has prioritized digital finance, aiming to establish a financial system that aligns with digital economic development by 2027 [9][10]. - Banks are integrating digital transformation into their core strategies, with many reporting progress in operational efficiency and service quality [9][10]. - Initiatives include enhancing customer experience through technology and developing specialized financial products [10][11].