1. A feature of the new normal is that the supply capacity of traditional industries greatly exceeds the demand, and the role of emerging industries and service industries is more prominent. It is imperative to optimize and upgrade the economic structure and change the growth mode, which is mainly reflected in the increase of the proportion of service industry in the national economy and the transformation of manufacturing industry to the high-end and upstream of the industrial chain. In the past, the banking industry in China often paid too much attention to the fixed assets investment industry and real estate industry, and lacked support for manufacturing and service industries. With the traditional industries showing signs of fatigue under the new economic normal, China's banking industry must take precautions, adjust its industrial structure in time, gradually reduce its dependence on traditional industries, especially fixed assets investment and real estate, actively expand customers in manufacturing and service industries, develop financial products that meet the characteristics of emerging industries, adapt to and promote the optimization of China's industrial structure, and lay the foundation for the sustained growth of the banking industry in the future.

The banking industry should also actively explore the rural market. This year's Central Economic Work Conference once again stressed the need to strengthen rural financial services and improve the transfer policy of rural land management rights. The banking industry should focus on supporting projects that benefit farmers, such as providing loans for the purchase of agricultural machinery and farmers' management, focusing on the policy of land management rights transfer, especially the feasibility and operation mode of using land management rights as collateral, and exploring a new way based on agriculture, facing the countryside and serving farmers.

2. The banking industry needs to pay more attention to small and medium-sized enterprises, and the increase of the proportion of small and medium-sized enterprises will become another remarkable feature in the process of banking transformation in China.

3. The banking industry must speed up the optimization of income structure and increase the proportion of intermediary business income in total income. China's banking industry should actively participate in the establishment of multi-level capital markets, and provide direct financing services to qualified customers on the basis of meeting the daily settlement and credit needs of enterprises. In addition, under the new normal, the form of production organization is relatively concentrated, and the optimization and upgrading of industrial structure will also bring about mergers and acquisitions of enterprises. The banking industry can actively carry out investment banking business including financial consultation, merger and reorganization.

4. The banking industry should pay more attention to the analysis of the market and consumers' psychology, encourage financial innovation, keep an open mind to new technologies and new formats emerging in the process of economic development, strengthen the combination with internet finance, apply information technology and internet technology to management and business activities, improve the degree of organization informatization, improve the ability of data collection and mining, and establish an information-based, automatic and intelligent modern banking industry.