Many small and medium -sized banks have higher interest rate interest rates, but do not "sell" experts suggest to explore new liability management models

Reporter Peng Yan

Since the beginning of this year, the interest rate of large deposit deposits has continued to decline, and the large -scale depositors issued by the annual interest rate of more than 4%issued by the national large -scale commercial banks have basically disappeared. In contrast, the personal deposit interest rate of small and medium -sized banks in some regional regional small and medium -sized banks is not low. The 5 -year large -scale deposit interest rate exceeds 4%, and the 5 -year regular deposit interest rate of individual banks also reaches 4%.

Although some regional small and medium -sized banks "increase" by interest rates, they are not "selling". Many bank wealth management managers admitted to reporters that for the consideration of funding security, many customers prefer to deposit in large -scale commercial banks in national large -scale commercial banks in financial management habits and concepts.

In this regard, industry insiders pointed out that when high -interest granting has become a past, regional small and medium banks need to explore new debt management models.

Many small and medium banks

Large deposit interest rates still exceed 4%

After the establishment of the market -oriented adjustment mechanism of deposit interest rates in April this year, the regular deposits and large -scale deposit interest rates of state -owned banks and joint -stock banks have been reduced by different levels. More than 4%of deposit products are almost difficult to find. Many banks even have 3 years even 3 years. The phenomenon of "inverted" or "flat" interest rates of periods and 5 -year deposits.

"Securities Daily" reporter learned from the official website of various banks that many national commercial banks' three -year large -scale deposit interest rates were about 3.25%, and the 5 -year large -scale deposit interest rate was about 2.75%. The interest rates of some joint -stock banks' 3 -year and 5 -year large -scale deposit orders are around 3.4%.

In contrast, the deposit interest rate of regional small and medium -sized banks is significantly higher. The 5 -year large -scale deposit interest rate of some banks is as high as 4.05%, and the 5 -year regular deposit interest rate of individual banks has reached 4%. For example, Mianyang Commercial Bank's 5 -year and 3 -year large deposit interest rates were 4.05%and 3.55%, respectively, and the bank's 5 -year regular deposit interest rate reached 4%. The staff of a branch of Guiyang also told the Securities Daily that the bank's 5 -year large -scale deposit interest rate was 4.05%and the 3 -year large -scale deposit interest rate was 3.55%. During the visit, the reporter found that most regional small and medium -sized banks have sufficient large -deposit quotas and do not need to make an appointment in advance.

There are also some regional small and medium -sized banks who are still playing "wiping balls" for high interest rates. The staff of a city commercial bank in the western region told reporters that the so -called "wipe ball" means that the product is a kind of interest rate, and then the bank sends another 5 days of deposit interest. For example, the bank's 3 -year large deposit rate interest rate is 3.55%in name, but the actual revenue that the customer actually obtains may be 3.6%; the interest rate of 5 -year regular deposits is 3.95%, but the revenue that the customer actually obtains in the end may be possible It is 4%.

Why is regional small and medium -sized bank deposit interest rates generally higher than national commercial banks? CITIC Securities Chief Economist said in an interview with the Securities Daily reporter that the fundamental reason is that the pressure of regional small and medium -sized banks is generally higher than that of state -owned banks and joint -stock banks, and can only attract stores by increasing deposit interest rates. The pressure of regional small and medium -sized banks mainly comes from three aspects: first, it is limited by factors such as regional operations and outlet distribution. The scope of regional small and medium -sized banks is far less than the latter; the second is that regional small and medium -sized banks are less credit than state -owned. Da Bank and joint -stock banks; Third, the online business processes of some regional small and medium -sized banks are relatively complicated and difficult to attract young customers.

High -interest granting storage does not "sell"

Need to explore new debt management models

The "Securities Daily" reporter found that although some regional small and medium -sized banks have relatively high deposit interest rates, they are not "selling", and many customers still prefer to deposit on large state -owned banks.

“尽管大额存单的利率下调了，仍存在一单难求的情况。”一家国有大行的客户经理表示，近几个月该行大额存单额度一直很紧张，需要客户经理帮忙预约才能买arrive. On the contrary, although the amount of large and medium -sized banks in some regional small and medium -sized banks is relatively high, the product is sufficient and no appointment is required.

Obviously, the main reason is that the credit qualifications of regional small and medium -sized banks are not as good as state -owned banks. Especially after the recent risk incidents in small and medium -sized banks in some regions, the risk aversion of households has heated up. It is better to give up higher interest income and ensure the security of the principal.

"Customers choose the place of deposit, the interest rate is not the only decisive factor. Deposit is the foundation of the bank. The contention of deposits reflects the comprehensive strength of the bank. Xue Hongyan, deputy dean of the Institute of Research, told the Securities Daily reporter.

"In the future, the cost of bank liabilities will continue to be reduced, and the interest rates of large deposit orders will also be further reduced." Obviously, since the benchmark interest rate reform last year and the market -oriented adjustment mechanism of the central bank this year Serving the real economy better. In this context, the deposit interest rate of regional small and medium -sized banks is difficult to maintain a high level for a long time, but it will still be higher than the level of deposit interest rates of large state -owned banks.

Compared with state -owned banks, how can regional small and medium -sized banks that have not dominated deposits in the absorption of deposits, how should we improve the effect of grab storage in the future? Insiders believe that when high -interest granting has passed, small and medium banks need to explore new liability management models.

From the perspective of clearly, regional small and medium -sized banks should use differentiated competition to play their own unique advantages. First of all, take the initiative to sink, deeply cultivate the local area, and find and cover the customer group ignored by state -owned banks. Secondly, provide customized services to increase customer comprehensive satisfaction. In order to control management costs and prevent business risks, large -scale behaviors usually establish a unified rule process, but affect efficiency; regional small and medium -sized banks 'decision -making chains are relatively short, and they can meet customers' differentiated needs by customized products. Finally, strengthen the upgrade and maintenance of online channels, take online channels to take over the reserves of online channels under the premise of compliance, and optimize the customer's experience. Xue Hongyan also said that bank deposits are usually divided into active deposits and passive deposits. The cost of active deposits is high. The reserves are coming to the income, and the goods will be compared with three. The passive deposits are mainly derived deposits. Customers are running from other banks of the bank, and the cost of picking storage is usually low. Head banks generally expand the deductive deposits through comprehensive business, and have achieved positive results. This is also one of the directions of regional small and medium -sized banks' future deposit business transformation.

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