近期， 多家银行调整服务收费，服务项目涉及资信证明、银行卡年费、ATM跨行取现、跨境理财通等 多个领域 ，引发市场广泛关注。 乌海银行官微公告显示， 自6月13日起对资信业务和银团贷款业务进行收费 。资信业务涉及个人客户和 对公客户，为个人客户开立个人存款证明收费标准为20元/份；为存款人出具单位资信证明收费标准为 200元/份。 | 收费项目 | | 服务内容 | 收费标准 | 收费依 | 适用客 | | --- | --- | --- | --- | --- | --- | | | | | | 据 | 户 | | 个人存款证明 | | 为个人客户提供开立个人存款 | 20 元/份 | 市场调 | 个人客 | | | | 证明服务 | | 节价 | 户 | | 单位资信证明 | | 为存款人出具资信证明 | 200 元/份 | 市场调 | 对公客 | | | | | | 节价 | 日 | | | | 发起组织银团、承担包销或部分 | 按协议约 | 市场调 | 对公客 | | 安排费 | | 包销责任、分销银团贷款份额、 | 定收取 | 节价 | 户 | | | | 提供银团贷款的组织安排等 | | | | ...

Core Viewpoint - Several banks are adjusting or introducing new service fees to enhance their non-interest income amid narrowing net interest margins [1][3][4] Group 1: Fee Adjustments - Multiple banks, including Wuhai Bank and Zhejiang Chouzhou Commercial Bank, have announced new service fees for various services starting in 2025, such as credit verification and account management fees [1][2] - Suzhou Bank will introduce an annual fee for its "Zunxing Card," with different fees for gold and platinum cards, effective from September 10, 2025 [1] Group 2: Reasons for Fee Adjustments - The primary reason for these fee adjustments is to increase non-interest income due to the pressure on revenue from narrowing net interest margins [3] - Banks incur costs for providing services, and charging fees can help cover these costs while guiding customers to use services more judiciously [3] - There is an incentive for banks to improve service quality and customer experience, as they will be more focused on enhancing their professional capabilities and added value [3] Group 3: Strategies for Increasing Non-Interest Income - Banks are expanding their service offerings beyond traditional lending to include payment settlement, wealth management, and cross-border financial services, which requires obtaining relevant licenses and building professional teams [3][4] - Increasing customer loyalty through bundled service offerings and personalized service based on customer profiles is essential to prevent customer attrition due to service fees [4] - Banks are encouraged to innovate and upgrade their product offerings to meet new market demands and avoid price wars, ensuring they remain competitive [4]

Core Viewpoint - Several small and medium-sized banks have recently introduced or adjusted service fees, indicating a trend towards increasing non-interest income to compensate for profit gaps [1][2]. Group 1: Service Fee Adjustments - Suzhou Bank announced a new annual fee of 588 yuan for its "Respect Card" [1]. - Ulaanbaatar Bank introduced fees for credit certificates and syndicate loan services [1]. - Lujiang Rural Commercial Bank adjusted its ATM interbank withdrawal fee from free to 3.3 yuan per transaction starting September 1 [1]. - Over 10 banks have either introduced or raised service fees in the first half of 2025, covering account management, interbank withdrawals, and credit card issuance fees [1]. Group 2: Regulatory Compliance - The adjustments made by these banks comply with relevant regulations, as banks can set prices for market-regulated items but must announce changes three months in advance [2]. Group 3: Consumer Impact - Consumers are concerned about potential "hidden costs" and whether the fees align with the services provided [3]. - The importance of cost in consumer decision-making is highlighted, as customers may choose to switch banks if they perceive fees as unjustified [3]. Group 4: Strategic Considerations for Banks - Balancing profit pursuit with customer satisfaction remains a critical challenge for banks [4]. - Relying solely on new fees for revenue is not a sustainable strategy; enhancing core competitiveness and differentiation is essential for long-term profitability [4]. - Small and medium-sized banks should focus on niche markets and local customer needs to establish competitive advantages [4]. - Emphasizing digital transformation and financial technology can improve operational efficiency and customer experience [4].

近期，多家银行调整服务收费，服务项目涉及资信证明、银行卡年费、ATM跨行取现、跨境理财通等多个领域，引发市场广泛关注。 乌海银行官微公告显示，自6月13日起对资信业务和银团贷款业务进行收费。资信业务涉及个人客户和对公客户，为个人客户开立个人存款证明收费标准 为20元/份；为存款人出具单位资信证明收费标准为200元/份。 | 收费项目 | | 服务内容 | 收费标准 | 收费依 | 适用客 | | --- | --- | --- | --- | --- | --- | | | | | | 물 | 户 | | 个人存款证明 | | 为个人客户提供开立个人存款 | 20 元/份 | 市场调 | 个人客 | | | | 证明服务 | | 节价 | 户 | | 单位资信证明 | | 为存款人出具资信证明 | 200 元/份 | 市场调 | 对公客 | | | | | | 节价 | 户 | | 安排费 | | 发起组织银团、承担包销或部分 包销责任、分销银团贷款份额、 | 按协议约 | 市场调 | 对公客 | | | | | 定收取 | 节价 | 户 | | | | 提供银团贷款的组织安排等 | | | | | 银团 | ...

伴随市场利率下行，银行净息差压力持续增大，在此背景下，银行如何拓宽增收渠道？ 近日，乌海银行发文称，其将于今年6月13日起对资信业务、银团贷款业务进行收费。除了 该行，6月以来，苏州银行新增了两项收费价目，其中一项服务名称是尊行卡年费，收费标 准为金卡免年费、白金卡588元/卡/年；另一项服务名称为信用卡第三方机构合作手续费， 收费标准根据双方合作协议约定收取。 事实上，早在今年3月，中国银行便发布公告称，拟调整多项涉及信用卡结算的服务费用。 现如今，面临息差收窄压力，银行纷纷寻求增收渠道，但能否实际提高收入仍待观察。 乌海银行近期新增收费项目， 涉及银团贷款等业务 近日，乌海银行在官方微信公众号发文称，因业务发展需要，乌海银行拟于2025年6月13日 起对资信业务、银团贷款业务进行收费。 | 收费项目 | | 服务内容 | 收费标准 | 收费依 | 适用客 | | --- | --- | --- | --- | --- | --- | | | | | | 据 | 户 | | 个人存款证明 | | 为个人客户提供开立个人存款 | 20元/份 | 市场调 | 个人客 | | | | 证明服务 | | 节价 | ...

Core Viewpoint - Recent increases in service fees by banks are a response to the pressure on net interest margins, aiming to enhance profitability in a challenging economic environment [1][4]. Group 1: Fee Increases by Major Banks - Major banks, including state-owned banks and local banks, are collectively raising service fees, with adjustments to credit card transaction fees and other banking services [2][3]. - China Bank plans to adjust its credit card service fee structure, effective June 10, 2025, with new fees based on a percentage of the withdrawal amount [2]. - Local banks like Uihai Bank and Chouzhou Commercial Bank are also introducing new fees for various services, including personal credit certificates and international mailing [3]. Group 2: Financial Performance and Challenges - The banking sector is facing significant pressure on profitability, with the net interest margin reported at 1.43% as of the first quarter of 2025, a year-on-year decrease of 11 basis points [4]. - Chouzhou Commercial Bank reported a decline in net profit by 36.94% year-on-year, despite a slight increase in revenue, indicating a challenging operating environment [4]. - Analysts suggest that while banks are increasing fees to alleviate revenue pressure, this may not be a sustainable long-term solution [4]. Group 3: Strategic Recommendations - Experts recommend that banks focus on business innovation and enhancing core competitiveness rather than solely relying on fee increases [6]. - It is suggested that banks should deeply understand local market behaviors and tailor their services accordingly to improve competitiveness [6]. - The emphasis should be on innovative business practices that are unique to local banks, rather than pursuing growth through increased fees during periods of narrowing interest margins [6].