Zhong Guo Zheng Quan Bao·2025-12-24 20:18Core Viewpoint - The financial institutions in China are strategically evolving towards high-quality development, with large banks focusing on financial stability and small banks enhancing local services to fill gaps in financial coverage [1][2][3]. Group 1: Large Financial Institutions - Large state-owned financial institutions are the main force in serving the real economy and maintaining financial stability, focusing on specialized operations to strengthen risk management [1]. - Policy-oriented financial institutions are addressing areas that commercial banks cannot cover, thus providing essential support for national strategies [1]. Group 2: Small Financial Institutions - Small financial institutions are crucial for inclusive finance, with their stable operations impacting the effectiveness of financial services for the real economy [3]. - In 2025, small banks are expected to undergo significant reforms, with over 440 banks having been dissolved or merged this year, enhancing their risk management and regional competitiveness [3][4]. Group 3: Financial Ecosystem - The differentiation in development among financial institutions is becoming clearer, with large banks moving towards comprehensive and international operations, while small banks focus on specialized services [6]. - The regulatory body aims to guide institutions to find their positioning and focus on their core businesses, promoting a diverse and healthy financial ecosystem [5][6].