“存不了款了，连二类卡都没法开了”！隐秘高息揽储通道被切断，民营银行跨省吸储走向终结

Core Insights - The private banking sector is tightening its policies on cross-regional deposit acceptance, moving away from the previously common practice of attracting deposits from across the country with high interest rates [1][2][3] Group 1: Changes in Deposit Policies - Many private banks have begun to restrict or outright ban the opening of secondary accounts for customers from outside their local regions [1][3] - Specific banks, such as Meizhou Merchants Bank and Jiangxi Yumin Bank, have implemented strict geographic restrictions, preventing customers from opening accounts if they do not meet local residency requirements [3][4] - Other banks, like Jiangsu Sushang Bank and Shanghai Huarui Bank, allow account openings but restrict deposit purchases for non-local customers, effectively limiting their participation in deposit activities [4][5] Group 2: Regulatory Environment - The tightening of deposit policies aligns with regulatory requirements that mandate local banks to focus on serving customers within their operational regions, prohibiting cross-regional deposit activities [6][7] - Despite earlier regulations, many private banks had not fully complied, leading to a reliance on high-interest deposit products that attracted customers from outside their regions [7][8] Group 3: Financial Performance and Market Trends - The net interest margin for private banks has decreased from 4.11% to 3.83% over the past year, reflecting the pressures on profitability and the need for banks to adjust their deposit strategies [8] - In 2023, over half of private banks have reduced their deposit rates, with some banks lowering rates multiple times within a six-month period, indicating a shift in their approach to deposit acquisition [8]