中信银行南昌洪城支行主动走进企业、学校开展服务与宣传，深入周边网格社区，走访个体商户，旨在 提高公众对减费让利政策的认知度。为确保减费让利政策不打折扣、落实到位，该行建立"宣传-执行- 监督"闭环机制：一方面，在营业网点公示减费让利项目及标准，设立意见簿，主动接受金融消费者监 督；另一方面，定期开展内部培训与自查，重点核查手续费减免是否精准执行、退费是否及时到账等。 中信银行南昌洪城支行将持续落实减费政策各项措施，创新宣传服务形式，让更多经营主体享受到实实 在在的金融优惠。（辛倩） 编辑：赵鼎 转自：新华财经 为切实降低经营主体的经营成本，助力实体经济发展，中信银行南昌洪城支行以"支付降费 让利于 民"为目标，全面开展减费让利专项宣传活动，通过政策精准落地、服务主动上门、权益清晰告知，让 降费红利直达小微企业、个体工商户及广大人民群众，以金融担当为实体经济发展注入"暖动能"。 针对部分经营主体对减费政策不熟悉、不清楚的问题，南昌洪城支行将各项减免措施"打包整合"，形成 通俗易懂的减费让利宣传折页和服务价目表。其中包含但不限于：取消支票工本费、挂失费，免收单位 结算账户管理费和年费，降低对公跨行转账汇款手续费， ...

Core Insights - The intermediary industry in China is becoming a unique window to observe the country's economic transformation amid global economic restructuring and deep changes in the domestic consumption market [2] - China's commission rates for intermediaries are significantly lower than those in developed countries, with real estate agency fees ranging from 0.5% to 2.7%, compared to up to 6% in the US [2] - The low commission rates in China are a result of various structural factors, including intense market competition, government-imposed price ceilings, a large price-sensitive consumer base, and relatively low labor costs [10] Intermediary Industry Analysis - In the OTA sector, major foreign players like Booking and Expedia charge commission rates of 12% to 15%, while China's Ctrip has a rate of about 4.4%, indicating that foreign OTA fees are 2 to 3 times higher than those in China [4] - Despite lower OTA commissions, the hotel industry's revenue decline is attributed more to changes in supply and demand dynamics rather than high OTA fees [5][6] - The increase in hotel supply has led to a decline in key performance indicators such as RevPAR and ADR, with Marriott's RevPAR in Greater China dropping from $83.53 in Q4 2019 to $79.52 in Q4 2024 [5][6] Market Dynamics - The shift in hotel revenue sources has moved from maximizing ADR to increasing occupancy rates (OCC), necessitating lower prices and reliance on OTAs for customer acquisition [7] - The perception that OTAs are responsible for profit declines in the hotel industry is partly driven by hotels seeking to negotiate lower commissions and new entrants in the OTA market trying to gain support [8] - The concept of "friction-free capitalism" proposed by Bill Gates has not materialized as expected, with the number of intermediaries increasing rather than decreasing [9] Future Outlook - The low commission model may attract more users and market share in the short term, particularly benefiting price-sensitive consumers and small businesses, but it poses risks for long-term industry innovation and health [13] - Continuous low commission strategies can lead to detrimental price wars, reducing profit margins and resulting in an "involution" state where resources are heavily invested without corresponding returns [13] - The intermediary industry must find a balance between innovation and low fees, focusing on technological advancements, service upgrades, and process optimizations to enhance overall efficiency and competitiveness [13]