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].

（原标题：信"心"心理问答｜被升学焦虑困住的妈妈，如何打破"剧场效应"的魔咒？） 听说某重点高中每年有 3% 学生保送清北，我四处托关系打听招生政策。当看到同龄人都在准备 AMC 数 学竞赛时，我咬牙交了 3 万培训费 —— 可孩子做题时眼神里的迷茫，让我整夜失眠。昨天孩子数学月考 退步 5 名，我失控地冲他吼 " 你再这样下去只能去职高 " ，事后又后悔得偷偷抹泪。 我常常问自己：为什么越努力越焦虑？就像《小舍得》里演的那样，当所有人都在抢跑时，停下就意味 着落后。我明明知道孩子需要休息，但听到邻居说 " 他们班 70% 学生都在上冲刺班 " ，就忍不住继续加 码。 更让我困惑的是，当孩子花 2 小时解出一道压轴题时，我欢呼雀跃；可当他用同样时间观察蚂蚁搬家 时，我却觉得在浪费生命。到底要培养 " 做题家 " 还是 " 完整的人 " ？ 我曾尝试 " 快乐教育 " ，减少补习班后孩子数学成绩下滑，被老师约谈；引入时间管理表，孩子却用 2 小 时完成作业后沉迷游戏补偿；咨询过教育专家，建议 " 发现孩子兴趣 " ，但孩子自称 " 对什么都没兴趣 " 。 读者来信： 我是一名初中生的母亲，最近被自己的升学焦虑折 ...