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广东银行保险业发布自律公约 防止“内卷式”竞争
news flash·2025-07-24 03:49

Core Viewpoint - Guangdong has released the "Self-Regulatory Convention on Preventing Unfair Competition in the Banking and Insurance Industry (2025 Edition)" to address "involution-style" competition in the sector [1] Group 1: Key Provisions of the Self-Regulatory Convention - The convention includes both advocacy and prohibition clauses across eight areas [1] - It emphasizes rational pricing, urging banking institutions to maintain a self-regulatory mechanism for deposit rates and to determine loan rates based on risk pricing principles [1] - The convention mandates that banks conduct bond underwriting in compliance with laws and regulations [1] Group 2: Management of Commissions and Rebates - Strict management of commissions and rebates is highlighted, with banks required to base payments on their operational costs and market conditions [1] - The convention prohibits the use of excessive commissions and rebates as unfair competition methods to capture market share [1]