【环球网财经综合报道】在银行代销市场竞争持续加剧的当下，费率折扣再度成为焦点，部分中小银行 甚至将基金代销费率降至0.1折。 近期，深圳农商银行宣布，8月5日至9月30日期间，对部分开放式基金（前端模式）费率实行优惠，个 人投资者通过该行手机银行APP申购指定基金可享0.1折费率折扣（包括定期定额投资）。 | 基金代码 | 基金产品名称 | 基金公司名称 | 折扣 | | --- | --- | --- | --- | | 080005 | 长盛量化红利混合A | 长盛基金管理有限公司 | 0.1折 | | 022342 | 长感中证红利低波动100指数A | 长盛基金管理有限公司 | 0.1折 | | 002400 | 南方亚洲美元收益债券(QDII)A | 南方基金管理有限公司 | 0.1折 | | 018471 | 南方津字稳健添利货券A | 南方基金管理有限公司 | 0.1折 | | 007655 | 南方定元中短债A | 南方基金管理有限公司 | 0.1折 | | 007159 | 离方面元稳健养老目标一年持有混合(FOF)A | 南方等分管理部限公司 | 0.1折 | | 004450 | 非是保 ...

Core Viewpoint - Banks are reducing fund distribution fees to attract investors and lower their costs, with some banks offering discounts as low as 0.1% on certain fund products [1][2][5]. Group 1: Fee Reductions - Shenzhen Rural Commercial Bank announced a 0.1% discount on subscription fees for nine specified open-end funds starting from August 5 [2]. - This fee reduction applies only to normal subscription periods for designated open-end funds and excludes backend fee models and other fund-related fees [2]. - Other banks, including major state-owned and joint-stock banks, have also implemented similar fee reductions, with some offering discounts as low as 10% [1][3]. Group 2: Market Competition - The fund distribution market is highly competitive, with Ant Group leading in equity fund holdings at 738.8 billion yuan, followed by China Merchants Bank and Tiantian Fund [4]. - In the banking sector, China Merchants Bank holds the largest non-monetary market fund with 950.4 billion yuan, followed by Industrial Bank and others [4]. - Banks are leveraging fee reductions to enhance customer loyalty and meet diverse investment needs amid intense competition [5]. Group 3: Strategic Implications - The reduction in fund distribution fees is seen as a strategy for banks to increase their intermediary income, especially as net interest margins continue to narrow [5]. - By lowering fees, banks aim to make their fund products more attractive to investors, thereby stimulating market activity [5].