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书名：日本人外网四处吵架|作者：笑无语|本书类别：古言|更新时间：00:00:00|字数：3896字

两个方面。一是价格战愈演愈烈，机构为争夺客户，频繁比拼存贷款利率、保费优惠，甚至突破成本底线，导致利差和利润空间收窄，行业整体风险累积。二是同质化竞争严重，业务产品高度趋同，缺乏差异化创新。比如，大多数银行推广信用卡业务，主打开卡礼、优惠积分，而无实质性差异。保险业销售的主流产品也高度雷同，“价格+渠道”几乎成为唯一竞争手段。　　“部分机构短视经营、盲目扩张，重视规模和榜单排名，疏于风险管理、风控

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