基金代销费率战

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卷至0.1折!部分中小银行代销基金再降费
Xin Lang Cai Jing· 2025-08-11 11:53
智通财经记者 | 曾令俊 银行基金代销的"费率战"再度升级。继国有大行、股份制银行将基金代销费率降至1折后。近日,部分 中小银行加入让利阵营,将该费率压低至0.1折。 "这本质是牺牲短期利润换客户和流量,根本目的在于激活线上渠道。"某农商行财富管理部负责人对智 通财经记者说,"我们的手机银行月活早已被互联网平台碾压,再不自救的话,客户恐怕连登录密码都 要忘记了。" 中国邮政储蓄银行研究员娄飞鹏对智通财经记者分析说,在净息差较低并且有下行压力的情况下,中小 银行积极拓展中收以稳定收益,代理销售基金是其中一个方式。中小银行面临外部互联网渠道和银行渠 道内部的双重挤压市场份额萎缩,在基金产品筛选和投顾服务能力上存在明显短板难以通过服务质量竞 争,因此选择降低费率吸引投资者。 价格低至0.1折 当国有大行和股份制银行普遍维持1折费率时,部分中小银行直接将折扣砍去九成,以"地板价"杀入战 场。 8月4日,深圳农商行发布公告称,自8月5日起,投资者通过该行手机银行APP申购指定的9只开放式基 金(前端模式),可享申购手续费0.1折优惠,涵盖定期定额投资业务。该行特别提示,优惠仅适用于 正常申购期的指定基金,不包括后端收费 ...
中小银行代销基金再打“折扣牌”
Zheng Quan Ri Bao· 2025-08-11 07:39
银行基金代销的"费率战"再度升级。 继国有大行、股份制银行纷纷将基金代销费率降至1折后,市场费率竞争进一步加剧。近日,部分 中小银行加入让利阵营,将该费率压低至0.1折,引发市场广泛关注。 苏商银行特约研究员高政扬表示,中小银行大幅下调基金代销费率,根源在于市场竞争加剧与客户 流失的双重压力。受制于大型银行与互联网平台的双向挤压,中小银行客户基数与业务规模有限,只能 以降价为手段吸引客户。 部分产品费率低至0.1折 8月4日,深圳农村商业银行发布公告称,自8月5日起,投资者通过该行手机银行APP申购指定的9 只开放式基金(前端模式),可享申购手续费0.1折优惠,优惠涵盖定期定额投资业务。 今年2月,常熟农村商业银行推出类似政策:投资者通过该行手机银行渠道办理指定基金产品的申 购(含定投)业务,可享申购费率0.1折优惠。所涉基金均为前端收费模式(即申购时扣除手续费)的指定公 募基金。 依托网点布局与客户资源的天然优势,银行长期以来都是基金代销的主力军。但随着券商、独立基 金销售机构快速崛起,中小银行在这一领域尤其面临不小的挑战。 高政扬分析称,中小银行承受着多重竞争压力:一是来自国有大行和股份制银行的挤压——大 ...
费率低至0.1折 中小银行代销基金再打“折扣牌”
Zheng Quan Ri Bao· 2025-08-08 16:51
Core Viewpoint - The competition in the fund distribution fee market has intensified, with some small and medium-sized banks reducing their fund distribution fees to as low as 0.1% following the lead of larger banks that have set fees at 1% [1][2]. Group 1: Fee Reduction Trends - Shenzhen Rural Commercial Bank announced a 0.1% fee for specific open-end funds starting August 5, 2023, applicable to both regular and systematic investment plans [2]. - Changshu Rural Commercial Bank implemented a similar policy in February 2023, offering a 0.1% fee for designated fund products through its mobile banking channel [2]. - The funds benefiting from the 0.1% fee are primarily conservative in nature, including index and bond funds, and are typically available only through mobile banking channels [2][3]. Group 2: Reasons for Fee Reductions - The reduction in fees by small and medium-sized banks is driven by increased market competition and customer attrition pressures, particularly from larger banks and internet platforms [1][3]. - The need for customer acquisition through marketing activities and the ongoing reform of public fund fees aimed at reducing investor costs are also significant factors [3]. Group 3: Competitive Landscape - Small and medium-sized banks face challenges from both large banks, which have strong customer bases and brand influence, and from internet platforms that attract younger investors with convenience and lower fees [4]. - The sustainability of the 0.1% fee is questioned, as it is currently limited to specific products and channels, and the industry standard remains at 1% [4]. Group 4: Future Focus Areas - The industry consensus suggests that the competition in fund distribution will ultimately return to product and service quality rather than just pricing [5]. - Future competitive advantages for small and medium-sized banks should focus on enhancing product selection, diversifying offerings, innovating services, and addressing local customer needs to avoid homogeneous competition [5].