Core Viewpoint - The term "anti-involution" has gained traction in the banking industry, with regions like Guangdong, Ningxia, and Zhejiang implementing measures to strictly manage mortgage loan commission rebates, which have been linked to unhealthy competition in the market [1][2]. Group 1: Background and Current Situation - Mortgage loan commission rebates are not a new phenomenon; they were explicitly banned in 2010 due to the potential for unhealthy competition and risks to consumers [1][3]. - Recent self-regulatory agreements from various banking associations have reiterated the prohibition of commission rebates, highlighting the ongoing struggle against this practice [2][3]. - The resurgence of commission rebates in recent years is attributed to the adjustment in the real estate market and a contraction in mortgage loan growth, prompting banks to compete more aggressively for clients [1][7]. Group 2: Regulatory Responses - Multiple banking associations have introduced self-regulatory agreements that prohibit any form of commission payments to real estate companies or intermediaries, aiming to curb unhealthy competition in the mortgage loan market [2][3]. - The Guangdong Banking Association and Zhejiang Banking Association have both emphasized the need to prevent "involution-style" competition, which includes practices like commission rebates and opaque operations [2][3]. Group 3: Market Dynamics - The commission rebate rates vary, with some local banks offering rates as high as 1%, while state-owned and national joint-stock banks typically offer lower rates [4][5]. - The competitive pressure from banks and the interests of intermediary agencies drive the persistence of commission rebates, despite regulatory efforts to eliminate them [6][9]. - The decline in mortgage demand and the need for banks to meet performance assessments have led to an increase in the use of commission rebates as a strategy to boost loan volumes [7][9]. Group 4: Risks and Challenges - The hidden nature of commission rebates complicates external regulatory oversight, as they can be disguised under various fees or through third-party transactions [8]. - The practice of commission rebates can disrupt market order, distort pricing mechanisms, and potentially harm consumer rights, as costs may be passed on to borrowers [8][9]. - Some banks, in pursuit of larger business volumes, may increase rebate rates, which could impact their profit margins and elevate the risk of non-performing loans [9].
贷100万最高返1万，“反内卷”剑指房贷返点
3 6 Ke·2025-08-07 07:52