Jiang pointed out in his speech that the current macroeconomic environment features too many uncertainties and small and medium-sized commercial banks should focus more on how to find a unique sustainable development approach that suits the reality of their own.

At the forum, a representative of CR Bank made the first speech, a presentation entitled "Integration of Online and Offline Advantages – An Innovative Approach to Development of Retail Banks”. The participants shared their explorations and practices in the innovative development in recent years and reached an agreement that banks should provide financial services of high quality to customers no matter how the external environment may change and how uncertain the financial situation may be. They also shared their views and practices related to the development of the banking industry. After the forum representatives of several banks and other financial institutions visited a community outlet of CR (Zhuhai) Bank.