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China’s 16 listed banks, net interest margin of the first three quarters of last year income of over 1.2 trillion yuan, accounting for total revenue 80%. The
, fee range
bank fees in 2003, only 300 commercial banking services price control measures The fees of up to 3000 kinds, a 10-fold increase in seven years.
bank profits
high, and sometimes are embarrassed to announce. the
windfall source of a large bank official
eat spreads: Bank Camp received Qicheng spreads
From the published results of several listed banks last year, its profit growth of 40-50 percent, a record high.
China’s banks do a lot of money. Last year, the international financial crisis, China’s real economy has encountered difficulties, growth gradually slowed down its profit growth in the 40-50%,wow gold, while the view from the already published results of several listed banks, and have been create a record high.
a person in charge of the large banks at the end of last year has been China’s banking sector thriving, highly profitable,wow gold, low defect rate, we have the feeling of heartless,wow gold, corporate profits are so low, bank profits are so high, so sometimes we make too much money, and sometimes embarrassed announced.
Mr Chan believes that the Bank profiteering listed banks, net interest margin of the first three quarters of last year revenue of more than 1.2 trillion yuan, accounting for 80% of total revenue, including five state-owned banks was 71.7 percent, the joint-stock commercial banks for more than 90%. In other words, the bank’s operating income percent of them seventies and eighties from the deposit and lending interest rate spreads is provided by the State, country to banks higher spreads, banks can make more money. p>
reporter learned that the bank deposits year fixed interest rate of 3.5 percent, according to data released by the National Bureau of Statistics, 2011 CPI rose 5.4% over the previous year, that is, depositors actually save money in the bank at a loss. One to three years, the lending rate is 6.65 percent, after five years of the loan interest rate is as high as 7.05%.
a large state-owned bank staff told reporters for the depositors, the bank let the other party to bear the real deposit interest losses; for loan customers, banks enjoy a higher income. Depositor unless you do not select the deposit in favor of investment, and have no other choice, because all of our commercial banks, to perform the same benchmark deposit rate is the same for loan customers, if he does not through bank loans, other ways the difficulty of financing more higher interest rates. >
is the traditional
For profits in the banking sector, in addition to deposit and loan spreads, numerous charges are also important sources. reporters.
in August last year, 12 listed banks announced results for the first half of 2011, total net profit of 424.447 billion yuan, including fee and commission income, 205.743 billion yuan, accounting for almost a net profit half of the country.
Wuhan University Law Professor Meng Qinguo of told the media led writing a copy of its bank card charges of improper questionnaire. The research report points out that clear bank fees for the introduction of commercial banking services price Interim Measures on October 1, 2003, only 300, and now listed in the commercial banking services price control measures fees and charges which have up to 3000, seven years increased 10 times.
banking fees, the staff of the large state-owned banks that, at present, many domestic banks source of profit is the spread between deposits and loans, which may be the capital market is relatively low side of the profit model.
staff, said the fee and commission-based intermediary business revenue growth is a universal law of development of international banking, foreign banks in the middle of business income is generally accounted for 40% of operating income to 50%, while this data is a long time in the Chinese banking sector accounts for only about 15%. Fee growth that China’s banking sector has been forward to the successful transformation.
profiteering probe: the status of monopoly profits surge
the financial reform has not yet reached the degree of full competition, consumers and the unequal status of financial institutions, and the resulting competition in the market is not sufficient to make the one hand, banks have absolute pricing, on the other hand difficult for consumers to protect their own interests.
At present, the industry generally believes that the current banking profits surged from the monopoly in the financial sense of the technical content is very weak. A consumer is more to this broadside, behind the transformation of China’s banking sector is the increasing of the technical content of the consumer
several major banks share the market is so big
bank profiteering fundamental reason lies in its monopoly position. It is because of the financial reform has not yet reached the unequal status of the full extent to which competition, consumers and financial institutions, and the resulting competition in the market is inadequate, making the one hand, banks have absolute pricing, on the other hand difficult for consumers to protect their own interests.
criticism for bank monopoly, China Construction Bank Deputy Governor Chen Niyazov has countered that China’s banking sector does not exist a monopoly. He believes that the>
antitrust review of banks
the Central University of Finance and Professor Guo Tian Yong () will be China’s banking sector monopoly called a very high proportion, 70%, 80%, and several major state-owned banks in the price of the adjustment of bank charges, mutual communication, consumers can only been kidnapped, only to accept passive service, because a few large state-owned banks share of the market is too wide. > News:
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