“五个必须”全力推进中国商业银行高质量发展

"Five Musts"to fully promote quality development of China's commercial banks

新征程上,商业银行高质量发展必须把量和质有机结合起来,一方面,应辩证地解决好客群、大资产、大负债全面上量的问题,从政策、定位、产品、服务、应对同业竞争等方面处理好存量和增量的关系;另一方面,把推动发展的着力点转到提升客户选择能力、新金融服务能力、系统化创新能力等方面,充分调动一切积极因素,增强金融服务实体经济效能以及金融国际竞争力。

On the new journey,the commercial banks should implement the new development philosophy completely,accurately,comprehensively and systematically promote the quality development.We should be innovative and open up new tracks such as inclusive finance,green finance,housing leasing,capital management,pension finance,etc.,explore emerging business opportunities in traditional finance,and enhance the ability of comprehensive financial services.We should develop in a coordinated way to address the problem of unbalanced development,and continue to promote the integration of businesses management including domestic and foreign currencies,debt and equity,intelligent financing,assets and liabilities,online and offline businesses,wholesale and retail businesses in and abroad.We should promote green development to boost green transition of traditional industries to ensure that people and the nature co-exist in harmony.We should operate in a new philosophy of open ecology,actively participate in the global financial and digital governance with the RMB internationalization and digital currency as the starting point and"go global"at a higher level.