兴业银行首席风险官赖富荣：“反内卷”有利于银行优化资产结构和客户结构

Core Viewpoint - The short-term impact of the "anti-involution" policy may lead to an increase in loan default risks due to the elimination of traditional inefficient capacities and projects with outdated technology, while the long-term effects are expected to improve corporate profitability and financial resource allocation towards high-end manufacturing and green economy sectors [1][1][1] Summary by Relevant Sections Short-term Risks - The "anti-involution" policy is anticipated to gradually phase out traditional low-efficiency capacities and projects, potentially increasing loan default risks in related sectors [1][1] Long-term Opportunities - The policy is expected to enhance supply-demand relationships, improve corporate profitability, and drive financial resources towards key national sectors such as high-end manufacturing and green economy, benefiting banks by optimizing asset and client structures [1][1][1] Strategic Directions - The company outlined four strategic directions: 1. Closely monitor changes in national regulatory policies and implement differentiated strategies for client segmentation, supporting high-end capacity supply while phasing out outdated capacities [1][1] 2. Leverage comprehensive licensing advantages to identify key regions and enterprises, implementing differentiated credit policies to seize opportunities from industrial restructuring and upgrades [1][1] 3. Strengthen industry credit management with a quota management mechanism for overcapacity industries, focusing on precise control in key regions and sectors to mitigate concentration risks [1][1] 4. Enhance the review of existing clients in line with capacity clearance directions, regularly reassessing client situations and managing risk clients effectively [1][1]