新安银行原董事长孙晓：利差收窄、两头夹击下，小银行应深耕细分领域赛道

Core Viewpoint - The "2025 Banking Industry High-Quality Development Conference" was successfully held, focusing on key issues such as serving the real economy, digital transformation, AI+financial innovation, and risk prevention [1] Group 1: Challenges for Small Banks - Small banks face survival challenges due to market interest rate liberalization, economic cycle fluctuations, and intensified competition [4] - The banking industry has shifted from a "seller's market" to a "buyer's market," leading to a significant decline in credit demand since 2019 [4] - Small banks are experiencing a "double squeeze" from large banks and internet lending companies, resulting in high non-performing loan rates and increased operational costs [5] Group 2: Future Development Strategies for Small Banks - Small banks should focus on controlling the income-cost ratio through technology to reduce operational costs [6] - Emphasizing the "let profit not let loans" strategy, small banks should maintain core customer relationships while managing costs effectively [6] - Small banks are encouraged to pursue differentiated development by focusing on niche markets such as green finance, education finance, and elderly finance, avoiding direct competition with large banks [7]