中国银行（601988）雅安分行副行长易敏认为，优质客户可获得多头授信与一般客户也许不能获得授信 之间存在结构性失衡问题。银行要结合自身优势为客户提供综合性金融服务，绝不仅是信贷，要体现自 身的专业优势和在不同领域的差异化能力。"比如，中行可以为雅安的鱼子酱企业做什么？除了授信 外，很重要的一点是提供外汇业务的专业服务，让客户的国外订单有更专业的结汇选择。而在部分种 植、养殖类的场景中，农商银行可能有更多的人员以及更为了解该品类的专业人员提供相关的金融服 务。所以，银行可结合自身优势，为'三农'金融、县域金融提供差异化、互补的金融服务。"易敏提出 了金融服务需要从"同质化"到"差异化"的观点，尤其是不能只看信贷业务，她同时指出："在业务竞争 日趋激烈的情况下，作为银行工作人员，要有正确的业绩观，既不能躺平又不能冒进，要找到本行的优 势与劣势，统筹发展与风险，坚持做难而正确的事，兼顾当下考核与长期的基础夯实以及结构优化。" 7月30日，工商银行（601398）召开2025年党建暨年中经营管理工作会议，明确表示将"带头整治'内卷 式'竞争"。作为首家在年中会议上明确提出"反内卷"的国有大型银行，工商银行在年初就已 ...

Core Viewpoint - The Industrial and Commercial Bank of China (ICBC) has taken a lead in addressing "involution" competition within the banking sector, emphasizing the need for rational and healthy competition to avoid detrimental impacts on the industry ecosystem [1][3] Group 1: Industry Competition Dynamics - ICBC is the first major state-owned bank to explicitly mention "anti-involution" in its mid-year meeting, following earlier statements against "price wars" [1] - The National Financial Regulatory Administration has highlighted the need to prevent excessive credit to high-quality agricultural clients and to correct "involution" competition [1] - Various local financial regulatory bodies and banking associations have called for the banking and insurance sectors to abandon "involution" competition and promote stable development [1][3] Group 2: Differentiation in Financial Services - The banking sector is facing challenges due to oversupply and homogenization of financial products, leading to unhealthy competition [3][4] - Banks are encouraged to leverage their unique strengths to provide differentiated financial services, moving from a focus solely on credit to a more comprehensive service model [4] - ICBC has introduced innovative products tailored to local agricultural needs, such as "Pepper Loan" and "Cherry Loan," to support rural revitalization [4] Group 3: Non-Financial Services Integration - Banks are increasingly focusing on non-financial services to enhance customer loyalty and better understand the needs of the agricultural sector [7][8] - The Construction Bank of Yaan has adopted a "service first, finance later" approach, engaging in community support and financial literacy initiatives to build trust with the agricultural community [7][8] Group 4: Collaborative Competition - There is a growing recognition of the need for banks to transition from pure competition to a "co-opetition" model, where they can collaborate to provide differentiated services [10][11] - Agricultural Bank of Yaan emphasizes the importance of self-regulation and collaboration among banks to avoid destructive competition and enhance service quality [10][11] - Effective task assignment and adaptive assessment mechanisms are crucial for guiding banks towards a cooperative approach in serving rural revitalization [11]