Hua Xia Shi Bao·2025-12-12 08:18Core Viewpoint - The 19th Huaxia Institutional Investor Annual Conference emphasizes the themes of vitality and resilience in the banking sector, aiming to explore future paths for high-quality economic development [2]. Group 1: Financial Resilience and Risk Management - The banking industry must balance development and safety, enhancing risk management capabilities to withstand various challenges [3]. - A comprehensive risk management system should be established, focusing on proactive measures and ensuring full coverage of risks, including credit, market, liquidity, operational, compliance, and information technology risks [3]. - Emphasis on improving capital management through multiple channels, exploring new capital tools, and enhancing capital efficiency to support sustainable growth [4]. Group 2: Innovation and Customer-Centric Approach - The banking sector should shift towards innovative strategies, focusing on customer-centric services and differentiated offerings to meet diverse financial needs [5]. - State-owned banks should prioritize digital transformation and leverage their comprehensive operational advantages to enhance international competitiveness [5]. - Smaller banks should focus on their market positioning and local advantages to support regional economies and specific sectors like technology and green finance [5]. Group 3: Empowering the Real Economy - The ultimate goal of maintaining resilience and vitality in the banking sector is to serve the real economy and the public, integrating financial services with economic development [6]. - Key focus areas include enhancing technology finance, developing a green finance system, improving inclusive finance services, and promoting digital finance [6]. - The banking industry should support the expansion of domestic demand and provide targeted financial services to meet reasonable consumption financing needs [6]. Group 4: Role of the Banking Association - The China Banking Association plays a crucial role in enhancing industry resilience and vitality, focusing on regulatory support and industry service [7]. - The association is committed to addressing industry needs through training, research, and sharing best practices to promote high-quality development in the banking sector [7].