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].