Under normal logic, the more the economic situation is not good, the more it is necessary to strengthen the management of the wind. However, in the real situation, the more economic difficulties, the more fierce the competition, the greater the pressure on the business, the more flustered and the demand for relaxation. japan property agency The easier it is to fall into various “cancers”, such as current market hotspots and transformational hot words – credit card, supply chain finance and big data risk control, boldly predicting that after the next year there will be like the past such as joint insurance loans The ground chicken feathers. increase. In recent years, some domestic banks have taken the initiative or passively to carry out a round of contraction. japan property agency The practice will prove that the more active the contraction is, the more active it is in the future, and some banks are still pursuing scale expansion. Sweeping the road blindfolded, sooner or later there will be big problems. Of course, the soft landing of scale growth refers to returning to normal growth and high-quality development within the scope of its resource endowment and operational capabilities, and does not mean that it must be reduced. We should realize that the big trend is sometimes very cruel. japan property agency We have become accustomed to doing the ‘big’ business. When the big winds cast a shadow on us, when a crisis is coming step by step, it’s no exaggeration. Say, we may still be reveling on the back of the gray rhinoceros. japan property agency Today, we must have a strong sense of crisis, we must realize that we are standing at the juncture of development and decline, facing difficult choices. infrastructure, and the large amount of finance derived from it. The service business is the core kinetic energy of the rapid development of China’s banking industry. It is also a major concern for the development of the bank in the new era of economic transformation and policy transition. His reply is: After hundreds of years of accumulation, banks such as Fuguo, JP Morgan Chase, Citigroup, japan property agency and HSBC have formed an unusual cultural heritage and management experience. These cultural heritage and management experience are especially rare in times of turmoil or great change. First, a soft landing should be achieved to achieve scale growth. As mentioned above, the bank is a cyclical industry. It can accelerate development in the pro-cyclical period. When it is counter-cyclical, it should be swaying against the wind. It is called the financial law, and it is punished to violate the law. japan property agency Those who did the scale before the crisis did a lot of hard work. After the crisis, the scale of the leverage reduction was fierce. For example, Citibank was dismembered, while Wells Fargo and JPMorgan Chase would rather sacrifice market share and insist on high quality. , not to mention the so-called big data used by banks today, at best, A “small data”. To say that this is not to say that banks should be trapped in a lonely city, but they should be in a good position. All business development should be orderly. Under the premise of popular control, it should not be “a swarm of bees” or a sporty type. The third is to optimize the business structure and build core competitiveness. Vanke’s ongoing business is sorting out, and the main business is focused on improving the competitiveness of products and services. “In order to survive the difficult years, we must focus on improving the product power, so that people can live in the necessary housing and eat.