我们正处在一个转型转折的重要关口。经济转型调整、监管环境趋严、金融市场改革“三箭”齐发,倒逼着银行业加快经营转型步伐。未来三至五年,既是银行转型发展的关键期,也是金融行业大洗牌的考验期。如何找准未来银行转型的契合点、突破点和支撑点?这是我们当前急需思考和解决的重大问题。 We are at a crucial juncture in the transitional transition. Adjustment of economic restructuring, tighter regulatory environment, and reform of financial markets “The three arrows” all made the banking industry accelerate the pace of operation and transformation. The next three to five years will not only be the key period for the bank’s transformation and development, but also the major period for the reshuffle in the financial industry. How to pinpoint the convergence point, breakthrough point and support point for the future bank transformation? This is a major issue that we urgently need to think about and solve.