"It should be said that in the past two years, from 20 1 1 to 20 12, the financial reform in China has been very fast, and there are two major phenomena. First, the five major banks have basically completed the mixed operation mode, which has led to a difficult future for regional commercial banks and small and medium-sized banks. Therefore, I think the bank bankruptcy law of the banking industry will be promulgated in the next two or three years. "
Second, private lending will change and the financial industry will open to the outside world; Then financial products are issued more and more widely. Last year, securities companies and fund companies were allowed to issue trusts, and now banks will issue trusts themselves. With the increasing richness of financial products, the reform of the financial industry in the future will be very, very big.
Based on 20 12-20 13, great changes have taken place in China's industrial economy, which is due to market segmentation. "In the field of industrial economy, there are a lot of opportunities because of market segmentation, the emergence of new consumer groups and the innovation of channel models and business models. Within five years, post-80s and post-90s will occupy the vast majority of China's consumer market. If you produce end products, if you don't face this kind of crowd, your enterprise will die, and your internal management and management process will die after 80 s and 90 s, which has happened or is happening in five years. "