银行业如何发展？业界：破壁向“新”承压同时显韧性

Core Viewpoint - The Chinese banking industry is undergoing a transformation, shifting focus from mere scale expansion to differentiation and efficiency, embracing new opportunities amidst market changes [1] Group 1: Industry Challenges and Opportunities - The banking sector faces challenges such as macroeconomic structural adjustments and the impact of digitalization, but also has opportunities to support new productive forces and deepen financial supply-side structural reforms [1] - The operating environment for banks has significantly changed, with a slowdown in revenue growth and the emergence of low interest rates, low spreads, and low returns [2] - The need for differentiated development has become essential as homogeneous competition in a low-interest environment is no longer sustainable [2] Group 2: Strategic Directions for Banks - Banks are encouraged to abandon scale obsession and focus on quality and efficiency, forming a consensus on differentiated development [2] - Emphasis on long-termism is crucial, with banks needing to strengthen internal controls and risk management, improve asset quality, and explore low-capital asset classes [2] - The integration of artificial intelligence (AI) and technology into banking operations is vital for enhancing risk management and operational efficiency [3][4] Group 3: Technological Integration and Innovation - AI and big data technologies are being integrated into core banking operations to optimize debt trading structures and improve risk control [3] - The banking industry must balance technological application with risk prevention, ensuring that technological transformation supports quality development [4] - Challenges such as computing costs and data silos in the "AI + finance" landscape require strategic responses to achieve a dynamic balance between innovation and compliance [4]