银行揽储考验合规红线

Core Viewpoint - The recent notification emphasizes the need for commercial banks to regulate their deposit acquisition methods, prohibiting improper practices such as cash returns or gifts to attract deposits [1][2]. Group 1: Regulatory Requirements - Commercial banks are required to enhance their deposit acquisition practices and must not use improper means such as cash returns or gifts [1][2]. - The notification from June 2018 by the former China Banking and Insurance Regulatory Commission and the People's Bank of China already established guidelines against using gifts for deposit acquisition [2]. Group 2: Market Reactions and Trends - A recent promotional activity by a bank offering "blind boxes" as gifts for deposits has sparked discussions, as the value of these gifts often exceeds the interest earned on deposits, raising concerns about potential regulatory violations [1]. - The trend of using gifts to attract deposits may lead to increased non-interest expenses for banks, thereby raising hidden liability costs and complicating the management of interest margins [2][3]. Group 3: Industry Implications - The practice of premium deposit acquisition could trigger a competitive "gift race" among banks, increasing the cost of attracting deposits and compressing profit margins [3]. - The current competitive landscape has shifted the deposit market from a "seller's market" to a "buyer's market," necessitating banks to enhance their service offerings to retain customers [3]. Group 4: Recommendations for Banks - Experts suggest that banks should focus on sustainable and compliant methods to attract deposits, such as payroll services and efficient settlement networks, rather than relying on high-interest rates or gifts [4]. - Banks are encouraged to abandon the pursuit of rapid scale growth and instead aim for stable growth while managing liability costs effectively [4].