金融业破除“内卷”靠什么

Core Insights - 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 collectively attracted more than 240,000 investors for subscription [1] Group 2: Regulatory Framework - Regulatory bodies need to continue establishing rules and clear regulations to guide 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 aimed at promoting high-quality development in public funds [2] - The action plan emphasizes the establishment of a floating management fee mechanism linked to fund performance, enhancing investor protection [2] Group 3: Financial Institutions' Role - Financial institutions must focus on 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, relaxed risk management, and service homogenization, driven by a blind worship of scale [3] - To change this situation, financial institutions should develop differentiated strategies, complement each other's strengths, and better serve the real economy [3] - Large banks should actively support major national strategies, while small banks should focus on local markets [3] - Financial institutions are encouraged to consider internationalization, diversify operations, and avoid homogenized competition through specialized services [3]