大行下沉，小行怎么办

Core Insights - The recent data from the National Financial Supervision Administration indicates that large banks are increasing their inclusive agricultural loans, which are crucial for rural revitalization [1][2] - The competition between large banks and rural small and medium-sized banks is intensifying, prompting the latter to seek strategies for coexistence and better service to the agricultural sector [1][4] Summary by Sections Large Banks' Focus on Rural Financing - The central government's 2025 policy emphasizes innovation in rural financing mechanisms, leading to increased credit allocation in the agricultural sector [2] - As of the end of Q3 2025, the balance of inclusive agricultural loans reached 14.1 trillion yuan, an increase of 1.2 trillion yuan since the beginning of the year [2] - Large commercial banks hold approximately 5.4 trillion yuan in inclusive agricultural loans, while rural financial institutions have about 7.2 trillion yuan, indicating a narrowing gap in loan distribution [2][3] Impact on Small and Medium-sized Banks - The entry of large banks into the rural market is significantly altering the competitive landscape, compelling small banks to enhance their competitive awareness and fill service gaps [4] - Many rural small and medium-sized banks face challenges in digital transformation due to limited funding and technological capabilities, which hinders their ability to compete with larger banks [5][6] Digital Financial Transformation - Digital finance, leveraging technologies like big data and AI, is essential for breaking the time and space limitations of financial services [5] - Rural small and medium-sized banks are urged to focus on niche markets and develop specialized digital services to improve their competitiveness [7] Differentiation and Innovation Strategies - Small banks are encouraged to adopt differentiated services as a strategy to counter the competitive pressure from large banks [8] - Innovations in financial products, such as customized services for small agricultural enterprises, are being developed to address the financing challenges faced by these businesses [9] - The integration of local data and the development of tailored credit assessment models are being emphasized to enhance service efficiency and risk management [6][9]