剑指房贷返点！银行业“反内卷”

Core Viewpoint - Recent initiatives by financial regulatory bodies in regions such as Shanghai, Guangdong, Zhejiang, and Anhui aim to address "involution" in the banking sector, targeting practices like "mortgage rebates, car loan commissions, and disguised interest subsidies" to promote sustainable development through differentiated competition [1][4]. Group 1: Industry Competition - The phenomenon of "involution" in the banking industry is characterized by banks competing for loan customers by offering lower interest rates, longer terms, and looser conditions, which can lead to delayed credit risks [3][6]. - Regulatory bodies have established monitoring models to guide banks towards differentiated competition, moving away from harmful price wars [3][6]. - Various regions have seen discrepancies in mortgage rebate rates, with reports indicating rates ranging from "0.3% to 0.6%" in August, involving both state-owned and city commercial banks [4]. Group 2: Regulatory Actions - Financial regulatory authorities and banking associations are actively implementing measures to curb "involution" in competition, emphasizing fair and orderly competition principles in personal housing loan practices [4][7]. - The Ningbo Banking Association has introduced a self-regulatory convention to ensure banks do not engage in improper or malicious competition, including prohibiting commission payments to real estate-related entities [4][7]. - The Ningxia Banking Association has initiated discussions to analyze the causes and impacts of rebate practices, launching inspections to ensure compliance with self-regulatory agreements [4][7]. Group 3: Strategic Recommendations - Banks are encouraged to explore differentiated business models rather than engaging in price competition, which can undermine service quality and risk management [5][6]. - The focus of regulatory efforts is primarily on price competition, with banks facing pressure to maintain net interest margins while avoiding disguised interest subsidies [6][7]. - Experts suggest that banks should abandon the "scale and speed" mentality, particularly smaller banks, and instead adopt strategies that align with regional economic characteristics and the needs of small and medium enterprises [7].