2025年初，人民银行发布的《中国货币政策执行报告》显示，中资大型银行新增贷款占比由2018年的 34.79%升至2024年底的52.18%，中小银行则由53.74%降至37.61%。这一变化背后，是普惠金融纵深发 展与低利率环境推动大行由规模扩张转向深度运营，也是存量竞争时代金融科技驱动大行业务下沉、压 缩中小银行发展空间的直观体现。面对新形势，商业银行亟需从策略到工具构建智能营销运营体系，以 数智化驱动差异化竞争。 在此趋势下，如何借力技术创新筑牢营销转型基础能力，如何通过精细化的用户运营有效盘活存量客 户，如何融合数字化工具将本土化基因转化为核心壁垒，如何构筑契合数智时代的营销体系以触达持续 营销，成为重重挑战之下中小银行探索营销数智升级、破解大行业务下沉挑战的核心关切。"'运营引 领、持续经营、双线结合'是我们在持续赋能银行营销转型过程中一直坚守的理念，"智慧营销领域领导 型企业北京领雁科技股份有限公司(以下简称"领雁科技")助理副总裁伍四杰强调，"在当下大行业务持续 下沉的趋势下，中小银行的营销转型更需在加快补足基础数字化运营能力及持续经营能力建设的同时， 深挖本地资源优势，充分洞察客户，在借力数字 ...

Core Insights - The core viewpoint of the article highlights the significant growth in the Wuhan Grade A office market, driven by high-tech enterprises and a shift towards "deep operation" strategies in response to market changes [1][6]. Market Performance - In the first half of 2023, the net absorption of Grade A office space in Wuhan's core business district reached 44,000 square meters, marking a year-on-year increase of nearly 30% [1][6]. - The total stock of Grade A office space in the core business district rose to 3.311 million square meters, with new supply amounting to 108,000 square meters [6]. Demand Drivers - The main driver for transactions in the market is relocation, accounting for 65.8% of the demand [6]. - The share of TMT (Technology, Media, and Telecommunications) companies in new leasing demand has increased significantly, from 14.6% in 2021 to 39.2% in the first half of 2023 [6]. Industry Trends - The Wuhan Grade A office market is transitioning from a strategy of "price for volume" to "operational empowerment," necessitating owners to adapt to market changes and evolving customer needs through smart operations and service upgrades [6].