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免费动账短信加速退场，降本增效下多家中小银行调整相关业务
Hua Xia Shi Bao·2025-09-20 07:25

Core Viewpoint - The era of free transaction SMS notifications is gradually coming to an end as many small and medium-sized banks are adjusting their services, including canceling free SMS notifications and raising the minimum transaction amount for notifications [2][4][6]. Group 1: Service Adjustments - Several small and medium-sized banks, including Hubei Rural Credit, Guizhou Rural Credit, and Guangdong Huaxing Bank, have announced changes to their transaction SMS notification services, moving towards charging fees or canceling discounts [2][4]. - For instance, Guangdong Lechang Rural Commercial Bank will restore standard SMS service fees to 3 yuan per month starting November 1, 2023, after previously offering an 80% discount [4]. - Guizhou Rural Credit plans to charge 2.5 yuan per month for new SMS accounts starting October 2023, allowing customers to receive full transaction notifications [4]. Group 2: Digital Transition - Banks are encouraging customers to use digital channels such as WeChat public accounts or mobile banking apps for free transaction notifications, highlighting the convenience and additional features of these platforms [5][6]. - The shift towards digital channels is seen as a strategy to enhance customer engagement and reduce operational costs associated with traditional SMS services [6][7]. Group 3: Financial Pressures - The banking industry is facing significant pressure from narrowing net interest margins, which have decreased to 1.42% as of the second quarter of 2025, leading to a need for cost control and efficiency improvements [6]. - Adjusting SMS notification services is viewed as a necessary response to these financial pressures, allowing banks to manage operational costs while transitioning to more cost-effective digital solutions [6][7]. Group 4: Targeted Services - Some banks are still offering free SMS services to specific customer segments, such as elderly clients and high-net-worth individuals, indicating a more flexible and tiered approach to service offerings [7].