Core Viewpoint - The phenomenon of "involution" is spreading in the financial sector, leading to excessive competition among banks, which has prompted regulatory actions to restore a healthy market order [3][10]. Group 1: Definition and Characteristics of Involution - Involution refers to a situation where individual entities continuously invest resources without achieving systemic efficiency improvements, resulting in diminishing returns and overall inefficiency [5]. - In the banking sector, involution manifests as irrational market behaviors, including price wars, homogenized business models, and ineffective assessment systems [7]. Group 2: Causes of Banking Involution - The mismatch between supply and demand, along with the deepening of interest rate marketization, contributes to banking involution. There is a structural contrast between accumulating deposits and shrinking credit demand [8]. - The Loan Market Quotation Rate (LPR) mechanism has led to a market-driven pricing system, but the simultaneous decline in credit demand and LPR has pressured banks' net interest margins, pushing them into irrational price competition [8]. Group 3: Consequences of Involution - Involution is eroding the operational safety margins of banks, compressing interest margin revenues, and potentially weakening the ability to accumulate capital internally. The average net interest margin of commercial banks fell to 1.43% in Q1 2025, down 75 basis points from historical highs [9]. - The intensification of scale-driven competition has led to a relaxation of risk management standards, increasing the likelihood of asset quality deterioration and higher non-performing loan rates [9]. Group 4: Responses to Involution - Following the central government's call to regulate irrational price competition, various banking associations have implemented measures to curb involution, such as establishing governance frameworks and self-regulatory agreements [11]. - Banks are encouraged to adopt differentiated operational strategies and enhance service value to regain competitive advantages, focusing on product innovation and customized solutions [13]. Group 5: Future Directions - Strengthening the legal and regulatory framework is essential to address irrational competition, with a focus on enhancing enforcement and establishing rapid response mechanisms for competitive misconduct [13]. - Optimizing internal assessment mechanisms and fostering innovation talent are crucial for banks to transition from scale-based evaluations to multidimensional performance metrics, thereby enhancing service quality and customer satisfaction [14].

Core Viewpoint - The article discusses the anxiety faced by parents regarding their children's education and the pressure to succeed in a competitive academic environment, highlighting the emotional struggles and societal influences that contribute to this anxiety [3][4]. Group 1: Parental Anxiety - A mother expresses her overwhelming anxiety about her child's academic performance and future opportunities, feeling the need to constantly push for better results [1][2]. - The mother feels conflicted between wanting her child to excel academically and recognizing the importance of a well-rounded upbringing, leading to confusion about the right approach to education [2][3]. Group 2: Societal Pressure - The phenomenon of "theater effect" is described, where parents feel compelled to follow the crowd in educational choices, fearing that not participating will result in their child falling behind [4]. - The competitive environment is likened to a collective hysteria, where the actions of others influence individual decisions, creating a cycle of anxiety and pressure [4]. Group 3: Solutions and Strategies - The article suggests that parents should reflect on their anxieties and differentiate between their child's actual needs and external pressures [4][5]. - It encourages parents to "loosen the reins" on educational goals, allowing children to explore their interests beyond academics, which can foster a more balanced development [5]. - Engaging in open dialogues with children about their feelings and aspirations is recommended, along with involving partners in parenting discussions to create a supportive environment [5].

近日，#国家发改委不点名批评某些车企#的话题登上热搜。据央视新闻报道，在2025中国电动汽车百人 会论坛上，国家发展改革委相关负责人表示，当前我国汽车行业无序竞争的问题比较突出，有的企业不 惜牺牲利润抢占市场，虚假宣传恶意抹黑等现象也时有发生。下一步，将着力整治市场乱象，规范竞争 秩序，维护公平的竞争。 再看市场监管。对于内卷，企业往往人在江湖、身不由己。外部干预，不可或缺。今年以来，国家发改 委、市场监管总局等部门密集表态、动作频频，可见整治"内卷式"竞争正发力提速。具体到汽车领域， 加强汽车市场的价格监测，严查技术标准不达标、质量安全不过关的产品，及时通报不正当竞争典型案 例……尤其典型案例通报有望发挥强大震慑力。 此外，还看舆论引导。一直以来，车企分外在意口碑、风评、企业形象。这也提醒我们，舆论风向将影 响企业策略。对于"内卷式"竞争，持续营造人人喊打的浓厚氛围，或将倒逼企业自觉对内卷说"不"，避 免陷入负面舆情。 （文章来源：广州日报） 说起"内卷式"竞争，汽车行业总是备受关注。原因显而易见。一者，汽车产业"块头"大、产业链长、关 联度高，是拉动经济增长的重要引擎。其竞争态势，对上下游产业有着直接影响 ...