顺应大势 主动作为 推动银行业行稳致远

Following the main trend and taking active approaches to maintain sustainability and stability of the banking industry

随着经济增长模式的转变,外部经济形势已然发生变化。银行在高增长时代所建立起来的发展模式,已经不适应中高速或中低速发展、增长由数量转为质量的要求。银行必须审时度势,重新审视和构建自己的发展战略、风险偏好、业务流程和风控体系,才能把握方向,准确定位,顺利开启高质量发展的经营模式。

The principal contradiction in the financial sector has evolved from the contradiction between the people's ever-growing needs and insufficient supply to the one between the people's diversified needs and unbalanced and inadequate supply. The financial system should have a structure that matches the allocation of social resources so as to serve the real economy. The main problem in the financial system has transformed from insufficient supply to unbalanced and inadequate supply. In addition, the growth pattern banks formed in the high speed growth era is no longer effective for the shift from medium-to-high speed to medium–tolow speed development and from quantityoriented to quality-oriented growth. Banks must review the situation and re-examine and construct their own development strategies, risk appetite, business processes and risk control systems in order to accurately position themselves and smoothly achieve high quality operation.