多家银行上调短信通知起点，最高至5000元

Core Viewpoint - The banking industry is tightening cost control measures by increasing the threshold for transaction notification SMS services, with some banks raising the limit to 5000 yuan, marking the beginning of a paid SMS notification era for small transactions [1][2]. Group 1: Changes in SMS Notification Services - Multiple banks, including China Merchants Bank, have announced adjustments to their SMS notification services, with a new threshold of 5000 yuan for free notifications, which is among the highest in the industry [2][3]. - Other banks, such as Minsheng Bank and Bank of China, have also raised their SMS notification thresholds to 300 yuan and 100 yuan respectively, indicating a trend across the banking sector [3][4]. - The adjustments reflect a broader movement among banks to manage operational costs more effectively, particularly in light of the expenses associated with SMS notifications [6][13]. Group 2: Cost Savings and Digital Transition - Banks are expected to save significant costs by reducing the number of SMS notifications sent, as each message incurs a fee from telecom operators [6][9]. - The average cost for SMS services varies, with larger banks typically securing lower rates due to their scale, while smaller banks face higher costs [8][9]. - The shift towards digital notification methods, such as mobile banking apps and WeChat services, is becoming more prevalent, reducing reliance on traditional SMS notifications [12][14]. Group 3: Financial Implications - The banking sector's net interest margin remains stable at 1.42%, with expectations of continued optimization in asset-liability structures and a gradual decline in interest margins [14][15]. - The cost structure for SMS notifications suggests that charging customers around 3 yuan per month can cover operational costs, especially if the average customer receives fewer than 100 notifications monthly [11][10].