金融业破除“内卷”靠什么（财经观）

Core Viewpoint - The financial industry must enhance its value creation capabilities and eliminate "involution" to provide better products and services, thereby improving the sense of gain for residents and enterprises, and achieving high-quality development [1] Group 1: New Financial Products - The first batch of performance-linked floating rate fund products has been officially established, creating a mechanism for shared interests and risk between fund managers and investors, which has received positive market response [1] - Over 20 fund products have attracted more than 240,000 investors for subscription [1] Group 2: Regulatory Perspective - Regulatory bodies need to continue establishing rules and guiding the financial industry to focus more on actual investor returns [2] - The recent upgrade of the floating rate fee model is closely related to the China Securities Regulatory Commission's action plan for promoting high-quality development in public funds [2] - The plan emphasizes the protection of investor interests and aims to shift the industry focus from scale growth to investor returns [2] Group 3: Financial Institutions' Role - Financial institutions must improve their internal capabilities to create value and profit while serving economic and social development [3] - The current "involution" competition in the banking sector is characterized by irrational price wars and homogenized services, driven by a blind worship of scale [3] - Institutions should focus on differentiated development and complement each other's strengths to better serve the real economy [3] - Large banks should support national strategic implementations, while small banks should focus on local markets [3] - A shift from scale-driven to value-creating approaches is essential for balancing functionality and profitability in the financial sector [3]