莫开伟：揽储“掮客群”冷落预示银行存款竞争市场逐渐生态化
Xin Lang Cai Jing·2025-09-26 08:13

Core Viewpoint - The decline of deposit brokers in the banking industry reflects a shift towards stricter financial regulation and a fundamental change in banking institutions' operational philosophies, indicating a transition from chaotic deposit acquisition practices to a more regulated and sustainable model [1][2][6]. Group 1: Reasons for the Decline of Deposit Brokers - The tightening of financial regulations has led to increased scrutiny and enforcement against illegal deposit acquisition practices, causing many small brokers to exit the market [2][3]. - Banks are facing pressure to transform their business models due to narrowing net interest margins, prompting a shift from high-cost liabilities to sustainable growth strategies [2][4]. - A growing consensus among banks to avoid excessive competition has emerged, leading to a reduction in aggressive deposit acquisition practices [2][6]. Group 2: Negative Impacts of Deposit Brokers - The presence of deposit brokers has significantly increased banks' funding costs, undermining their operational strength and pushing them towards high-risk investments [4][5]. - Deposit brokers have distorted market interest rates, leading to higher borrowing costs for businesses and hindering the development of the real economy [4][5]. - The activities of deposit brokers have resulted in widespread false transactions, compromising the integrity of financial statistics and market order [5][6]. Group 3: Positive Effects of the Decline of Deposit Brokers - The reduction of deposit brokers is expected to lower banks' funding costs and improve their overall operational capabilities, alleviating pressure on net interest margins [6][8]. - The decline of brokers will help restore order in the deposit market, promoting a healthier competitive environment focused on quality rather than quantity [7][8]. - The shift away from reliance on deposit brokers will encourage banks to innovate and enhance customer service, leading to sustainable development in the banking sector [8][9].