多地银行业出台“反内卷”措施

Core Viewpoint - The article discusses the rising issue of "involution" in the banking industry, highlighting how irrational competition is driving up operational costs and eroding industry profits, leading to a call for self-regulation and measures to combat this trend [1][2]. Group 1: Industry Response to Involution - Various banking associations across China are taking a stand against "involution" by implementing self-regulatory measures, such as the "Self-Regulatory Convention for Personal Housing Loan Business" in Ningbo, which aims to curb rebate practices and promote fair competition [1][2]. - The Guangdong Banking Association has initiated a comprehensive rectification plan against "involution," establishing a regulatory framework that includes a negative list of practices and self-regulatory agreements [2][3]. - The Ningxia Banking Association has introduced a four-step governance mechanism to restore compliance and innovation in the banking sector, focusing on market order and sustainable development [2][3]. Group 2: Consequences of Involution - Short-term gains from violating regulations and lowering standards can lead to market share increases for some institutions, but ultimately these practices deplete industry profits and compromise service quality [3]. - Long-term effects of "involution" include weakened risk management and potential systemic risks, threatening the sustainable development of the banking industry [3]. - The need for enhanced self-regulation and differentiation in services is emphasized, with calls for major commercial banks to lead by example and avoid price wars [3].