今天我想讲一个专题,就是中小银行市场需要深耕,另外讲四个小观点。记得比尔盖茨讲过传统银行将像恐龙一样逝去,传统的银行业务靠大量集中放款取得利润的时代也即将逝去,盈利空间会越来越小。这样的话,中小银行必然要避免同质化,进行错位竞争。特别是2008年以来,国内几百家中小银行贷款公司以及改 Today I want to talk about a topic that needs to be plowed down by the small and medium-sized banks. In addition, I will talk about four small points of view. Remember Bill Gates has talked about traditional banks will be the same as the death of a dinosaur, the traditional banking business rely on a large number of concentrated lending profits will soon be eradicated, profit margins will become smaller and smaller. In this case, small and medium-sized banks will inevitably have to avoid homogenization and carry out misplaced competition. In particular, since 2008, hundreds of small and medium-sized domestic bank loan companies have been changed