Zheng Quan Ri Bao·2025-06-16 16:40Core Viewpoint - Recent announcements from multiple banks regarding the addition or adjustment of various service fees have sparked widespread market attention, indicating a shift in the banking sector's revenue strategies in response to ongoing pressure on net interest margins [1][4]. Service Fee Adjustments - Suzhou Bank announced a new service fee for its "Respect Card" with an annual fee of 588 yuan for platinum cards, effective from September 10, 2025 [2]. - Uihai Bank will start charging for credit business and syndicate loan services, with personal deposit certificate fees set at 20 yuan per copy and credit certificate fees at 200 yuan per copy [2]. - Other local banks, such as Qingyang Rural Commercial Bank and Lujiang Rural Commercial Bank, have also announced fee adjustments, including a new ATM withdrawal fee of 3.3 yuan per transaction for debit cards starting September 1 [2]. - China Bank will adjust its credit card settlement service fees starting June 10, 2025, with changes to transaction fees based on a percentage of the withdrawal amount [2]. Reasons for Fee Adjustments - The recent adjustments in service fees are attributed to the banks' need to respond to the earlier "fee reduction and benefit" policies, which expanded the range of free services [3]. - Banks are increasingly focusing on non-interest income to counteract the pressure on net interest margins, leading to the introduction of new service fees within regulatory compliance [3][4]. Exploring New Revenue Paths - Banks are actively seeking new revenue channels through the addition of service fees, which can help optimize their income structure and enhance sustainability in serving the real economy [4]. - The adjustments in service fees necessitate improved communication with customers to explain the rationale behind the fees and the value of services provided, balancing profitability with customer satisfaction [4]. Diversification of Revenue Sources - In addition to new service fees, banks are encouraged to explore diversified revenue paths through business expansion and product innovation [5]. - Strategies include moving beyond traditional lending models to offer comprehensive financial services and developing specialized credit products aligned with emerging industries and societal trends [5].