剑指房贷“返点”乱象！广东打响金融业“反内卷”首枪

Core Viewpoint - Multiple banking associations in China, including those in Ningbo and Ningxia, have announced measures to prevent "involution" in the banking industry, specifically targeting the issue of "rebates" and "kickbacks" in housing loans [1][3][10]. Group 1: Industry Actions - Ningbo Banking Association has initiated a self-regulatory convention to curb "involution" and will officially prohibit any form of "rebate" practices once signed by member banks [1]. - Ningxia Banking Association is actively engaging with member banks and real estate intermediaries to analyze the causes and harms of rebate practices, and will conduct special inspections to ensure compliance with the new regulations [3]. - The Guangdong Banking Association has also introduced a self-regulatory convention that prohibits unfair practices such as high rebates to capture market share [6]. Group 2: Background and Context - The practice of housing loan "rebates" involves banks returning a percentage of the loan amount to intermediaries, which has been a long-standing issue in the industry [8]. - Despite previous regulations prohibiting such practices, the competitive environment has led to a resurgence of these rebate schemes, with reports of rebate rates ranging from 0.4% to 1% [9]. - The current market conditions, characterized by intense competition and loan market tightening, have exacerbated the issue of "involution" within the banking sector [10][11]. Group 3: Industry Perspectives - Experts suggest that high rebate rates can lead to increased operational costs for banks, ultimately harming both bank profits and consumer interests [9]. - The call for "anti-involution" measures is aimed at promoting healthy competition and improving service quality within the banking industry [10]. - Analysts recommend that banks focus on enhancing service quality and efficiency, rather than engaging in price wars or aggressive market capture strategies [11].