As we all know, there are two main sources of profit for commercial banks: one is the deposit-loan spread; Second, the income from intermediary business (such as wealth management, credit cards, remittances, etc.). ), in which the deposit and loan spreads account for the main part (large banks account for more than 70%, and small banks account for more than 95%).
The key to deposit-loan spread is deposit, so deposit is the foundation of banks. Banks without deposits are not far from bankruptcy (after all, the operation of banks has costs, such as wages, rent, water and electricity, etc.) ), so banks that lack deposits are more willing to give high interest rates, on the contrary, banks with abundant deposits will give lower interest rates.
For example, when you are traveling in the desert and you are dying of thirst, someone gives you a bottle of mineral water, 1000 yuan. Will you buy it? The answer is yes; On the other hand, you are in the supermarket now, and you are dying of thirst. Someone wants to sell you a bottle of water for 1000 yuan. Will you buy it? I believe you can beat him to death with a slap.
Therefore, for banks with a shortage of deposit funds, they are people who die of thirst. Of course, they are willing to give high interest rates. In the past, when the People's Bank of China did not liberalize the deposit interest rate ceiling, the interest rates of all banks were the same. Small banks that lack deposits can only rely on services to grab customers by reducing fees, but it is difficult to develop rapidly. Now that the People's Bank of China has liberalized its authority, small banks can expand themselves by obtaining deposits at high interest rates. Why not? After all, AG is higher than other countries. If you take deposits at a high interest rate, you can finally earn them back with a higher loan interest rate.
In the real life of China's bank interest rate ranking, generally speaking, the bigger the bank, the higher its brand awareness and recognition, more outlets and complete business functions, so big banks have unique advantages over small banks. Therefore, at present, the interest rate ranking of commercial banks in China is basically as follows: six state-owned banks.