银行代销基金忙“让利”，部分中小行费率折扣低至0.1折

Core Viewpoint - The competition in the bank distribution market is intensifying, leading to a focus on fee discounts, with some small and medium-sized banks reducing fund distribution fees to as low as 0.1% [1][4] Group 1: Fee Discounts and Promotions - Shenzhen Rural Commercial Bank announced a promotional period from August 5 to September 30, offering a 0.1% discount on front-end fees for certain open-end funds through its mobile banking app [1][4] - The promotional funds include nine open-end funds, with an example showing that a subscription amount of 100,000 yuan, which originally had a fee of 1,500 yuan, would only cost 15 yuan after the discount [3] - This is not the first time Shenzhen Rural Commercial Bank has offered such discounts; a similar promotion was announced in June for two funds, valid until September 30 [4] Group 2: Industry Trends and Responses - Other banks, such as Changshu Bank, have also implemented similar fee discounts, with over 120 fund products included in their promotion lasting until the end of the year [4] - Major banks like China Merchants Bank have previously introduced a 10% fee for fund purchases across all channels, indicating a trend towards lower fees in the industry [4][6] - Smaller banks are adopting aggressive discount strategies to maintain stability in their scale, as they struggle to compete with larger banks in terms of channels, sales, and comprehensive services [6]