According to the requirements of the new deposit regulations issued this time, banks are not allowed to sell their deposit business on any third-party platform except the self-operated network platform.
Once the new regulations were released, several families were happy and worried. Who is crying? Who's laughing again?
First of all, it is consumers who are innocent. At that time, deposits bought at high interest rates on Internet platforms such as Alipay or JD Finance were calculated at one time according to the current demand, and the interest was gone. If you don't want to quit early, you have to be on tenterhooks every day, afraid that when you wake up that day, the platform will be gone. Where can I find my savings?
Of course, the deposit will not be lost, but it is a very troublesome thing for many people after all.
For the internet financial platform, the implementation of the new deposit regulations has broken a road to seek wealth, which is definitely not a good thing. However, after all, these Internet platforms have deep pockets. Although they earn less money, they won't hurt their bones and muscles.
For banks, some people do cry and some laugh. For state-owned banks, national joint-stock banks and some big city commercial banks, they will laugh happily, because they can get more benefits without unnecessary competition.
For some small banks, some rural commercial banks and some private banks, they will cry very sadly. Because after they lose the traffic of the internet financial platform, they will return to the situation that no one cares about in the past, and the source of funds becomes a problem. This is also the reason for the recent differentiation of bank stocks.
Investors in the stock market are also affected. As the new depository regulations are beneficial to the head banks, some funds began to embrace these banks, which led to a huge increase in these banks, and those with foresight made greater profits.
This is bad news for some small banking stocks. The upward trend was forced to interrupt the adjustment, which also made some small and medium-sized bank investors suffer losses.
In short, at any time in this world, some people are crying and others are laughing.
The major banks, led by the People's Bank of China, laughed, while the online banks, led by Alibaba, cried.
In fact, the chaos in the financial industry and the market will not happen overnight. Internet deposits have a history of several years. In recent years, Internet deposits have flourished, enlivened the financial market and opened up new financing channels for some small banks. The advantage of small banks is that their overall operating costs are low and they can attract private deposits with high interest rates. In fact, small banks are also beneficiaries of Internet deposits, and ordinary people also need high returns for investment. Therefore, small Internet deposit banks and ordinary people have achieved a win-win situation. With the continuous expansion of Internet deposits, the storage capacity of some big banks has plummeted. At this time, the managers of the financial industry suppressed the new model of Internet deposits on the grounds that Internet deposits were illegal, and the victims were of course small banks and ordinary people. This is the so-called macro-control.
The four consortia laughed, and they could absorb people's deposits at low interest rates and lend them at high interest rates! It's cool to lie down and earn the difference!
People who have bought before can still see it. Keep buying.
Since the Bank of China, the China Insurance Regulatory Commission and the People's Bank of China issued the Notice on Regulating Commercial Banks' Deposit-taking Business through the Internet, Internet deposits have been completely removed from the shelves one after another. The third platform and small banks cried and the four major banks laughed, which also means that Internet innovation business has become history.
In recent years, there have been many third-party platforms, such as Tencent's Caifubao, Ali's Alipay and JD.COM. COM's Jingdong Finance and Baidu's Xiaoman are relatively large third-party platforms.
Third-party platforms have made a lot of money in recent years, using their own platform traffic to introduce huge traffic to small and medium-sized banks, so that they can develop and grow. These small and medium-sized banks had a very difficult business in the past. With the third-party platform, they are like a duck to water, fish in troubled waters, activate the capital financial market, and the deposit business is booming, so that these small and medium-sized banks have tasted the sweetness.
These small banks with particularly good development include Fumin Bank, Yilian Bank and Sanxiang Bank in Chongqing. Their third-party platform is very prosperous, and their offline business has also been greatly improved, just like a person's life.
Under such circumstances, the business of the four major banks is gradually decreasing, and the business is getting worse every day. Originally, the four major banks charged small account management fees, transfer fees and remittance fees. With the development of the Internet, they also cancelled these fees. The resident deposit interest rate is extremely low, only about 1%-3%, and the current interest rate is even lower.
At present, all P2P in China has been cleared, and all deposits from third-party Internet platforms have been removed from the shelves, which proves that the state should support the four major state-owned banks, and all the deposits of the masses have now moved into banks, whether they are big banks or small banks, or stock markets, funds, houses and investment channels will become more and more concentrated.
The money will be controlled by the state, so ordinary people don't have to take so many risks.
All risks are under the control of the state, and financial chaos has also been controlled. Capitalists represented by Ma Yun can no longer manipulate the country's financial system at will, so as to avoid people's property losses, minimize risks and protect the interests of the country and the people.
The last laugh is: the economic lifeline of our country-the four major banks and working people.
I am crying that the life of capitalists and small and medium-sized banks that disturb the national financial order will not be as beautiful as it was in the previous two years.
In fact, the government's supervision focus is still on people's deposits, and it will not hand over people's hard-earned money to People Cloud. We overestimate the moral quality of some capitalists and underestimate their "capital fangs" in business. It is necessary for the government to lead the people's financial security, at least for now.
After the third-party financial platforms such as Alipay were removed from the shelves to deal with Internet deposit products, some people were happy and others were worried! For those local small and medium-sized banks that rely on Internet channels to promote deposit products for a long time, this means that without the main way to absorb deposits, it will become more difficult to absorb deposits in the future, so they are crying in their hearts. For other large state-owned banks and joint-stock banks, without the pressure of unfair competition, their storage will be smoother and smoother, so they are the happiest.
According to the latest notice jointly issued by the central bank and the China Banking Regulatory Commission on June 5438+05, the supervision requires commercial banks to conduct deposit business through the Internet in accordance with laws and regulations, and they are not allowed to use the Internet to violate or evade the supervision regulations. Commercial banks are not allowed to conduct fixed deposits and fixed deposits through non-self-operated network platforms.
In other words, after the Internet deposit products are completely removed from the shelves, commercial banks are not allowed to carry out fixed deposit and fixed deposit business through third-party financial platforms. It seems that Alipay, JD Finance and other platforms have lost an intermediary fee, but it is those small banks that are really at a disadvantage, because they generally lack offline physical business outlets and have long been under great pressure to collect deposits, and the Internet channel is a more effective way in recent years, making them a de facto "national bank" on the debt side.
Relatively speaking, the interest rates of those big banks are relatively low, which is not far from the interest rates of Internet deposit products. This is great. In the future, their interest rates will be comparable. With its own brand awareness, strong advantages such as outlets, security and capital scale, there will be more features to attract deposits, so small banks are going to cry!
However, according to the requirements of the financial regulatory authorities, considering the systemic financial risks and liquidity security, the cancellation of Internet deposit products has reduced the debt-end costs of those small banks, which is also conducive to reducing the financing costs of the real economy and effectively preventing the asset management risks of small banks. It is worth mentioning that the removal of Internet deposit products is actually a signal to rectify third-party financial platforms, which means that it is increasingly unrealistic for them to change their views on banks.
Capitalists cry, people laugh, and they are not worried about the financial crisis in China.
If the big state-owned banks laugh, then the small banks will fall into operational difficulties and may eventually lead to bankruptcy. Even if they go bankrupt, it has nothing to do with them. In the end, the bad luck will only be the depositors. Internet deposits are removed from the shelves, just as the population used household registration and food stamps to control society during the planned economy period, and they will eventually die out.