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“冷下去”的揽储掮客群
Bei Jing Shang Bao· 2025-09-24 10:53
Core Viewpoint - The long-standing practice of "deposit rush" in the banking industry is experiencing a decline due to stricter regulations and a growing consensus against excessive competition, leading to a shift in operational strategies among banks [1][3][6]. Group 1: Deposit Rush Dynamics - The "deposit rush" has traditionally been a critical task for banks at the end of financial periods, with brokers acting as intermediaries between banks and private funds [3][6]. - Recent investigations reveal a significant decrease in the number of active brokers and the volume of deposit rush communications, indicating a cooling market [3][4]. - Brokers have reported fewer opportunities to connect with banks, and the once-popular "day-cut arbitrage" strategy is becoming increasingly difficult to execute due to enhanced regulatory scrutiny [4][6]. Group 2: Regulatory Impact and Market Changes - Regulatory authorities have intensified efforts to curb practices like "false deposits" and "interbank assistance," which have historically inflated liquidity metrics [6][8]. - The shift in market dynamics has led to the elimination of many small-scale brokers, as banks transition from a focus on rapid growth to more refined management of funding costs [4][6]. - Despite a decrease in demand, the pricing for deposit rush activities remains stable, with returns for large deposits still within the range of 0.01% to 0.02% [4][6]. Group 3: Internal Banking Challenges - The ongoing pressure for banks to meet performance metrics has resulted in a reliance on short-term deposit strategies, which can distort market pricing and increase overall funding costs [7][9]. - Many banks continue to face internal conflicts between long-term strategic goals and short-term performance pressures, leading to a persistence of "deposit rush" behaviors in informal channels [8][10]. - The current focus on deposit volume over quality has been criticized for undermining sustainable growth and profitability within the banking sector [9][10]. Group 4: Future Strategies for Sustainable Growth - To achieve sustainable development without relying on aggressive deposit acquisition, banks are encouraged to shift their focus from "scale obsession" to "value cultivation" [11][12]. - Strategies include enhancing customer service and product offerings, transitioning from deposit-based income to management fees and service charges [11][12]. - A comprehensive approach involving strategic clarity, service innovation, and regulatory collaboration is essential for banks to realign their operations with the needs of the real economy [11][12].