Core Viewpoint - The introduction of the "sub-package management" method by a city commercial bank aims to enhance customer management and marketing efficiency, particularly in response to competition from large banks in the county market [1][2]. Group 1: Impact on Small and Medium Banks - The "sub-package management" approach is seen as a response to the competitive pressure from large banks, which have been expanding their reach into county markets, leveraging their financial strength to impact the loan quality and quantity available to small and medium banks [1][3]. - There is a concern that the implementation of this method may increase the pressure on grassroots employees and lead to a culture of universal marketing, which could be detrimental to employee morale and effectiveness [1][2]. Group 2: Strategies for Small and Medium Banks - Small and medium banks are encouraged to adopt a localized approach by deeply engaging with local governments and integrating into grassroots governance, thereby leveraging their familiarity with the region to build trust and expertise in specific industries [3][4]. - A focus on differentiated competition is essential, where small and medium banks should identify their strengths in the financial landscape and avoid mimicking large banks' strategies. Emphasizing inclusive finance and digital finance can create unique value propositions [3][4]. - Digital empowerment is crucial for small and medium banks to enhance operational efficiency and customer experience through the adoption of financial technology, which can also improve risk management capabilities [4].