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for small and medium-sized banks, the competitive pressure is coming like a tide, and they need to constantly seek breakthroughs. under the traditional model, small and medium-sized banks, while facing the "profits" and "profits" of large banks, are also facing the pressure of capital costs. it is difficult to reduce loan interest rates, and their market share is gradually eroded.
some small and medium-sized banks have chosen to respond proactively by deepening their presence in the local market and establishing their own distinctive services and brand advantages. in the eastern coastal areas, zhejiang wenzhou ouhai rural commercial bank has achieved great success with its "small, decentralized, mobile, and localized" business model, and it has the largest local market share.
however, small banks in the central and western regions often have weaker foundations and are relatively more passive when facing the expansion of large banks. for small and medium-sized banks, survival is the key. they need to further enhance their own advantages and find new growth points and development directions.
on the one hand, small and medium-sized banks need to actively embrace financial technology, use technologies such as big data, cloud computing, and artificial intelligence to improve service efficiency and risk management capabilities, and increase the training and introduction of financial technology talents. on the other hand, small and medium-sized banks need to explore new business models, such as building a cooperative ecosystem and participating in green finance, to provide customers with more personalized and differentiated financial products and services.
in addition, regulatory authorities have also begun to pay attention to the development of small and medium-sized banks. the state council issued the "implementation opinions on promoting the high-quality development of inclusive finance", which clearly emphasizes supporting the local business development of small and medium-sized banks. this means that in the future, there will be more opportunities for cooperation between small and medium-sized banks and large banks to jointly create a more robust financial ecological environment.
