签署承诺书发布自律公约 多家银行整治“内卷式”竞争

Group 1 - The core viewpoint of the articles emphasizes the banking industry's consensus on "anti-involution," driven by policy guidance and industry self-discipline [1][2] - Multiple banks, including Industrial and Commercial Bank of China, are taking steps to address "involution-style" competition by implementing policies to stabilize the economy and manage risks effectively [1] - Financial regulatory bodies and industry associations in various regions are actively promoting self-regulatory agreements to combat "involution" in the banking sector, particularly in the personal housing loan market [2] Group 2 - The Zhejiang Banking Association has released a self-regulatory convention aimed at curbing unhealthy competition in the personal housing loan market, addressing issues like "rebate grabbing" and "dark box operations" [2] - Experts suggest that the current market environment justifies some banks experiencing negative or low growth, advocating for a shift from "scale worship" to "value creation" [2] - The transformation of internal pressure into innovation is deemed essential for sustainable development in the banking sector, highlighting the need for a redefined value creation model [2]