At first, Guizhou ICBC proposed to change from general industry analysis and enterprise analysis to business breakthrough selection and analysis. Guangdong Construction Bank is more considerate in this matter. They put forward the hidden champion method and the calculation method of industrial clusters. Shenzhen Minsheng refers to a kind of bank document report, that is, it is necessary to increase financial demand analysis and financial service plan. Hangzhou Commercial Bank proposes to subdivide industries, and then subdivide them at the regional and scale levels. Shanghai Minsheng proposes to make business breakthroughs from the upstream and downstream of advantageous industries, that is, small and medium-sized enterprises with business relations. Beijing Minsheng conducts SME customer selection from the perspective of capital linkage. Today, our comrades from ICBC in Beijing are here. Beijing ICBC proposed to select enterprises according to their years of establishment and the nature of capital. These efforts are all good.

Summarizing and exploring, we can find that there is one thing in common, that is, everyone's efforts are aimed at industry selection, that is, under the condition of not changing the credit status of enterprises, we try to reduce the pressure caused by problems such as difficult risk identification, difficult risk control, difficult risk solution and uneconomical development by relying mainly on the energy of industry operation and the strength of industry leaders, so as to achieve a win-win situation in efficiency and cost. The key to success lies in batch development, so as to realize economies of scale and profits covering risks. (In the process, we noticed that there are some reasonable elements in the bank's exploration of reducing the examination and approval links, but in the case of a small number of enterprises, simply reducing the examination and approval links will cause greater risks. Of course, in the long run, we still need the affirmation of risk control mechanism, guarantee mechanism and social integrity culture construction, but in the short term, the most important thing is what we just said.