What is the reason behind the "calmness" of large and medium-sized banks? A number of bankers told reporters that there are both the "tightening curse" of regulatory policies and the pressure from the real operation level of banks.
Wen Bin, chief researcher of Minsheng Bank, told reporters that the deposits of commercial banks have increased steadily this year. This year, the amount of credit is large, and the scale of bank derivative deposits is abundant. Regulatory policies have effectively compressed structured deposits, the proportion of high-interest deposits has declined, the overall debt source of the banking system has remained stable, and the deposit interest rate has remained stable.
Online channels have become the main battlefield for banks to collect deposits, but behind the popularity, there are mixed feelings. Through online channels, bank product information and services can reach customers directly, which is promoting the transformation of banks to integrated marketing. On the other hand, the Internet channel has become an artifact of some small banks, and high interest rates and low minimum deposits have become selling points. This shows that it is still difficult for some small banks to obtain low-cost liabilities.
This year's COVID-19 epidemic has accelerated this trend. The lobby manager of a state-owned bank outlet told the reporter: "The indoor air circulation is poor in winter. In order to prevent and control the epidemic, customers are advised to use mobile banking as much as possible to handle related business. "
With the help of internet platform and various subsidies, some small and medium-sized banks have been able to extend their tentacles to the whole country. The reporter saw on several platforms that the interest rate of some 3-year time deposit products was around 4. 1%, which was started in 50 yuan, attracting the attention of many depositors, and some people even evaluated and drained such deposit products from the media platform.
Some products are also superimposed with "interest rate coupons", and the actual interest rate is higher. The interest rate of a five-year deposit product on a platform reaches 4.875%, and every successful purchase order can get an "interest rate coupon" with an annual interest rate of 3%. The interest rate increase time is generally 180 days, and the deposit products are deposited in 50 yuan. If this product is stored for five years, the effective interest rate is about 5.36%, which has exceeded the upper limit of deposit interest rate under the interest rate self-discipline mechanism.