The state-owned bank transfer free horizon profit cliff under the Beijing Daily reporter Sun Qiru and a fundamental solution to some of the third party payment platform have "face" opening and closing fees instead of traditional bank free policy is a step by step upgrade. Yesterday, the reporter learned from the industry, this week, the industry will start a mobile phone bank transfer free meal. So far, the free transfer of network channels finally ushered in the participation of state-owned big line. "The universe" join the free camp "the Big Dipper, ICBC mobile phone bank finally fee free!" In yesterday’s Sina, micro-blog, WeChat friends circle, many users began to excitedly forward a message: ICBC will start this week from the mobile banking charges free. According to the news, no matter what mobile phone users use ICBC App, such as mobile banking, ICBC e Union, ICBC e campus, etc., regardless of holding ICBC debit card, credit card, financial card or wealth account, no matter how much money, the fees are waived. For this message, the relevant person in charge of ICBC did not deny, and said this week the head office will arrange Gonghang. In fact, many banks have launched free online transfers since last year. Last September, China Merchants Bank announced that all online transfers were free. Since then, the Bank of Ningbo, Bank of Shanghai free channel started covering personal online banking and mobile phone banking; Zhejiang bank since last December 5th, to individual customers clearing the whole free electronic channels; from December last year, CITIC Bank also canceled domestic personal banking transfer fee. In addition, Ping An Bank has also implemented a mobile banking transfer fee waiver policy. According to incomplete statistics, as of now, there are more than 70 banks nationwide online transfer, free of charge. "Thanks to the further construction of informatization, centralized data and computer system, the transaction cost is reduced greatly, has fundamentally changed the pattern of traditional financial services, the establishment of a new financial service mode of the Internet more open, lower cost based on." China Merchants Bank explained the reasons why they took the lead in opening online transfers free of charge. "A fundamental solution" and "profit cliff as early as this, take so long fee, it is also beneficial to the people!" Some users commented on the practice of banks gradually opening free transfers and remittances. However, the bank cooked a free meal, the pressure is really not small. In the third quarter of 2015, the growth rate of bank performance continued to decline, and the profit growth rate of the four state-owned banks dropped to below 1%. A few listed banks last week announced the results of the first half, net profit growth rate has dropped to single digit. More worrying about the industry is that in January this year, the authoritative media released news, five state-owned banks, four in 2015 net profit growth target is negative, and these banks will be 2016 net profit growth target is set to negative 5% to 8% negative. In the gradual or even negative profit of the day, the fee becomes a cake that can not be ignored in the source of bank income". From the annual data of the banks in 2014, only the construction of the four major banks of workers and peasants in the Commission and the Commission on the theory

国有银行转账免费初露端倪 利润断崖下釜底抽薪   北京日报   本报记者 孙奇茹   与一些第三方支付平台相继“变脸”开收手续费相反,传统银行免费政策正在一步步升级扩容。昨日,记者从工行内部获悉,本周起,工行将全面启动手机银行转账免费大餐。至此,网络渠道转账汇款免费终于迎来了国有大行的参与。    “宇宙行”加入免费阵营   “喜大普奔,工行手机银行终于也免手续费了!”在昨天的新浪微博、微信朋友圈里,不少网友开始兴奋地转发一条消息:工商银行将从本周起开启手机银行手续费全免。根据消息,无论用户使用工行的哪个手机App,例如手机银行、工银融e联、工银e校园等,更无论持有工行的借记卡、信用卡、理财金卡还是财富账户,无论汇款多少金额,一概免收手续费。 对于这一消息,工行相关负责人并未否认,并表示本周工行总行会有统一安排。   事实上,自去年以来,已有不少银行推出线上转账免费大餐。去年9月,招商银行率先宣布网上转账全免费。此后,宁波银行、上海银行免费渠道陆续开始涵盖个人网银及手机银行;浙商银行自去年12月5日起,对个人客户结算电子渠道实行全免费;中信银行从去年12月起也取消个人网银境内转账手续费。此外,平安银行也实行了手机银行转账手续费全免政策。据不完全统计,截至目前,全国已有70多家银行实行网上转账汇款全免费。   “得益于信息化、数据集中及计算机体系的进一步建设,使得交易成本大大降低,已从根本上改变了传统金融业务的处理模式,建立了基于互联网的更开放、成本更低的全新金融服务模式。”招行如是解释自己率先开启网上转账全免费的原因。    利润断崖下“釜底抽薪”   “早该这样了,收了这么些年手续费,也该还利于民啦!”对于银行逐渐开启转账汇款免费大餐的做法,有些用户如是评论。   不过,银行烹制免费大餐,压力可着实不小。 2015年第三季度,银行业绩增速延续下滑势头,四大国有银行利润增速跌至1%以下。上周率先公布业绩的几家上市银行中,有大半的净利润增速已经降至个位数。更让业界担忧的是,在今年1月份,有权威媒体对外发布消息,五大国有银行中有四家2015年的净利增速目标为负,而这些银行更是将2016年净利润增速目标定为负5%到负8%。   在日渐趋缓甚至趋负的利润中,手续费成为银行收入来源中一块不可忽视的“蛋糕”。从各家银行2014年的年报数据来看,仅工农中建四大银行的手续费及佣金净收入,合计就超过了4000亿元。   不过,相比手续费带来的直接收入,越来越多的银行开始看得更远。“网银转账免费可以把更多客户引流到线上渠道,也可以为银行赢得更多客户。”中央财经大学中国银行业研究中心主任郭田勇说。   事实上,最近几年兴起的支付宝、微信支付等第三方支付方式,前期就是通过“转账免手续费”等亮点吸引了大量用户。如今,银行也开始利用“免费大餐”吸引老用户“回流”,新用户聚集。   被“打脸”的第三方支付   “3月1号大限快到了,你的钱提出来没?”从3月1日起,微信提现将开始收取手续费。值得注意的是,工行的免费策略推出时点恰好在微信提现收费之后。   “通过收取手续费,迫使客户资金沉淀在自己平台上,这样的做法多少有些狭隘。”郭田勇说,“微信支付应该开发更多应用场景,用优质、创新的服务吸引消费者,而非采取手续费的方式限制客户转移资金。”   新浪发布的一项调查显示,有83.3%的网友认为微信不应对提现收手续费,仅有16.7%的网友表示支持。国务院关于积极推进“互联网+”行动的指导意见明确提出,充分发挥互联网的高效、便捷优势,提高资源利用效率,降低服务消费成本。   那么,在金融服务中,究竟哪些服务应该收费,哪些服务应该尽可能免费呢? “对于针对广大公众的基础类金融服务应以低收费或免费为主,而对于高端类、竞争性的中间业务应给予银行充分的自主定价权。”郭田勇建议。   尽管如此,面对微信提现收费的决定,也有专家认为应“在商言商”,在一个完全可以“用脚投票”的时代,人们不应对微信提现收费的行为过多苛责。中国金融期货交易所研究院首席经济学家赵庆明就认为,任何一家企业的收费行为,必然是基于成本分摊机制,特别是一些互联网企业在推广前期有大量优惠,累计了足够的客户量和业务量后开始收费,这并不奇怪。 进入【新浪财经股吧】讨论相关的主题文章: