Core Viewpoint - The competition among banks in fund distribution is intensifying, leading to a significant reduction in fee rates, with some banks offering discounts as low as 0.1% to attract customers [1][3][5]. Group 1: Fee Discounts and Promotions - Shenzhen Rural Commercial Bank announced a 0.1% discount on certain open-end funds, a move mirrored by Changshu Bank, which also offers similar discounts on over 120 funds until the end of the year [1][3]. - The fee structure for the funds includes a significant reduction; for example, a fund with a standard 1.5% fee would drop to 0.15% for a 100,000 yuan investment, resulting in a fee of only 15 yuan [3]. - Other banks, such as Minsheng Bank and China Merchants Bank, have also implemented fee reductions, with many large banks maintaining a minimum discount of 1% [4][5]. Group 2: Competitive Landscape - Smaller banks are struggling to compete with larger banks in terms of channels and services, leading them to lower fees to maintain stability in their scale [1][5]. - The market is experiencing a "Matthew Effect," where larger banks gain more recognition and customer flow, while smaller banks face challenges due to weak customer bases and outdated systems [5][6]. Group 3: Revenue Pressure and Strategic Shifts - The reduction in fees is putting pressure on the intermediary income of banks, with major banks like China Merchants Bank and China Construction Bank reporting significant declines in their fund distribution income [6][7]. - Banks are urged to rethink their strategies in wealth management to offset the loss in income from fund distribution, with some already moving towards more customized and tailored wealth management solutions [8].

【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 ...