Core Viewpoint - Hangzhou Bank emphasizes the importance of balancing service to the real economy with sustainable profitability in a low-interest-rate environment [1] Group 1: Banking Strategies - The bank's vice president highlighted the competitive "involution" phenomenon among quality entities in the manufacturing and technology sectors, which has been influenced by national policies promoting bank support for these industries [1] - The People's Bank of China has implemented a pricing governance mechanism for loans, providing minimum protection for loan pricing while guiding deposit pricing to decrease, which helps maintain the bank's net interest margin [1] Group 2: Profitability and Risk Management - Hangzhou Bank focuses on two basic logics for profitability in entity loans: reducing funding costs and controlling risks, with a strategic emphasis on settlement and demand deposits [1] - The bank adheres to a principle of "not exchanging risk for development" in its risk management approach, conducting targeted industry research based on regional industrial clusters to assess development prospects and risk characteristics [1] - A specialized team and data empowerment initiatives have been established to create a direct inspection mechanism for high-risk clients, aiming for early identification, warning, and resolution of risks, while keeping the non-performing loan ratio within acceptable levels [1]