其二，以数字技术赋能，降低信贷成本与门槛。依托股东背景，小米消金将传统信贷业务与现代数字技术深度融合，实 现"秒贷"。曹子玮强调，技术赋能不仅提升了时间效率，服务效率，更大幅降低了信贷成本，让技术能够真正介入到老百 姓日常生活服务上。 12月26日，由金融界主办、宁波银行支持、清华大学经济管理学院中国金融研究中心提供学术支持的"启航·2025银行业高质 量发展年会"在北京成功举办。本次年会以"凝心启新，聚力致远"为主题，汇聚监管专家、学界精英、行业领袖及科技企业 代表，围绕服务实体经济、数字化转型、AI+金融创新、风险防控等议题展开深度讨论，为银行业高质量发展建言献策。 小米消费金融党委书记、总裁曹子玮在年会上，围绕金融机构错位发展这一核心议题，结合小米消金五年多的实践经验， 分享了深刻见解。他提出，金融机构错位发展可从宏观、中观、微观三个层面推进，其中微观领域的错位经营更具实操性 与现实意义，更是破解行业同质化难题、践行普惠金融的关键路径。 曹子玮直指当前金融行业存在的三大痛点：一是机构同质性过高，易加剧市场助涨助跌，系统性风险或收益占比偏大；二 是同质化竞争导致服务空白，大量社会人群被机构"看不见、不愿看 ...

Core Viewpoint - The recent "15th Five-Year Plan" emphasizes the acceleration of building a strong financial nation, focusing on optimizing the financial institution system and enhancing the governance of various financial entities [1][2]. Group 1: Development Path for Small and Medium-sized Banks - Small and medium-sized banks should leverage their organizational structure advantages, which allow for quick and flexible market responses, by focusing on specific regional or niche customer segments to provide tailored financial services [2][4]. - The financial demand in China is not only expanding in total volume but also changing structurally, necessitating a multi-tiered and diversified financial service offering from the banking sector [2][3]. Group 2: Financial System Reform and Risk Management - The financial system has seen significant reform achievements, with state-owned large commercial banks successfully raising 520 billion yuan to supplement their capital [4][5]. - The focus on risk management for small financial institutions includes measures such as mergers, market exits, and early risk correction mechanisms to ensure stability and prevent systemic risks [4][6]. - The "14th Five-Year Plan" period has prioritized the prevention and resolution of financial risks, with a strong emphasis on managing risks associated with small financial institutions [5][6]. Group 3: Regulatory Enhancements - The "15th Five-Year Plan" suggests strengthening financial regulation, enhancing collaboration between central and local regulators, and enriching risk disposal resources and methods to ensure stable financial operations [6].

Core Viewpoint - The recent "15th Five-Year Plan" emphasizes the acceleration of building a strong financial nation, focusing on optimizing the financial institution system and enhancing the governance of various financial institutions [1][2]. Group 1: Development Path for Small and Medium-sized Banks - Small and medium-sized banks should leverage their organizational structure advantages, which allow for quick and flexible market responses, by focusing on specific regional or niche customer segments to provide tailored financial services [2][4]. - The financial demand in China is not only expanding in total volume but also changing in structure, necessitating a multi-layered and diversified financial service offering from the banking sector [2][3]. Group 2: Financial System Reform and Risk Management - The financial system has shown resilience and adaptability in the face of complex domestic and international environments, with significant achievements in reforming and managing risks within small financial institutions [4][5]. - The report indicates that the banking and insurance sectors' total assets have surpassed 500 trillion yuan, highlighting the growing importance of large institutions while also recognizing the effective local service and specialized development of smaller institutions [3][4]. Group 3: Future Directions and Regulatory Enhancements - The "15th Five-Year Plan" suggests a comprehensive strengthening of financial regulation, enhancing collaboration between central and local regulatory bodies, and improving risk management resources and methods to ensure stable financial operations [6][7]. - The focus will continue on reforming and managing risks in small financial institutions, with a commitment to preventing systemic risks through various strategies, including mergers, market exits, and early risk correction mechanisms [4][5][6].