Impact Of Hand Internet Banking On Demand Deposits

< p > < strong > the growth rate of demand deposits in enterprises is slowing down < /strong > < /p >

< p > in the 11 listed banks that have published last year's annual report, except for the increase in demand deposits of Construction Bank, Shanghai Pudong Development Bank and ABC, the demand deposits of other banks have declined. Among them, the proportion of demand deposits of Everbright, Ping An, CITIC, China Merchants Bank and ICBC is relatively large.

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The balance of demand deposits of Everbright Bank declined at the end of last year. At the end of 2013, the balance of demand deposits of Everbright Bank was 497 billion 500 million yuan, slightly lower than that of 2012 yuan at the end of 2012, while demand deposits decreased by 4.45% compared with 2012.

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< p > the total demand deposits of Ping An Bank in 2013 was 380 billion 275 million, an increase of 11% over the same period last year, compared with 25% in 2012.

In addition, the proportion of demand deposits at the end of 2013 was 2.3%.

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Last year, the proportion of demand deposits in CITIC Bank decreased by 2.1%, while ICBC and China Merchants Bank declined by 1.7% and 1.36% respectively. P

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< p > a brokerage analyst told reporters that in the past year, the impact of Internet banking on demand deposits was relatively large.

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< p >, however, the Great Wall securities analyst Huang Biao believes that because the size of Internet finance is relatively large, demand deposits are not very large, and demand deposits are mainly affected by the decrease in corporate deposits.

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< p > we can see from the data that Everbright Bank's current demand deposits at the end of 2013 were 104 billion 100 million yuan, a slight increase over the previous year's 102 billion 500 million yuan.

However, at the end of 2013, the demand deposits of enterprises were 434 billion 900 million yuan, which was 9 billion 100 million yuan less than that of the previous year's 444 billion yuan.

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The situation of CITIC Bank is similar to that of P, which accounted for 4.8% of personal demand deposits in 2013, an increase from 4.5% in 2012, but the demand for deposits in enterprises decreased from 37.8% in 2012 to 35.4%.

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< p > Ping An Bank's data show that in 2013, the total demand deposits of individual customers in the bank amounted to 104 billion 500 million yuan, an increase of 22.64% over the 85 billion 200 million yuan in 2012, representing a 8.3% increase from 8.5% in 2012.

But in 2013, the total amount of demand deposits from company customers was 275 billion 775 million, the growth rate dropped from 7.16% in 2012 to 7.16%, and the proportion decreased from 25.6% in 2012 to 22.6%.

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< p > the former brokerage analyst told reporters that the growth rate of demand deposits has been relatively slow since 2012, which is also related to foreign exchange occupation.

Before this, foreign exchange growth has slowed down, the whole M1 growth has slowed down, and the demand deposits of enterprises have been greatly affected.

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< p > < strong > demand deposits continue to drain away < /strong > < /p >

< p > for the reduction of demand deposits, the analysts said that this will directly affect the profits of banks.

Low cost demand deposits have always been the focus of bank robbery.

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< p > Industrial and Commercial Bank of China annual report 2013 shows that the average interest rate of deposits was 1.98%, which was basically unchanged from 1.99% in the previous year.

ICBC said that the average interest rate of deposits was basically the same as that of last year, mainly due to the increase in the proportion of time deposits in the relatively high interest rate companies, which partly offset the impact of the interest rate reduction policy in 2012.

Data show that in 2013, ICBC's regular deposit and current interest rates were 3.3% and 0.75% respectively.

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< p > Everbright Bank's annual report shows that the interest expense of customer deposits in 2013 was 37 billion 617 million yuan, an increase of 5 billion 867 million yuan compared with the same period last year, an increase of 18.48%.

There are two main reasons: first, the steady development of business and the year-on-year growth in the scale of customer deposits: two, the acceleration of the marketization of interest rates, the general interest rate of deposits, the regular deposits and the intensification of financial management, and the high cost of deposits.

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< p > in fact, due to the continuous development of Internet finance, the phenomenon of deposits turning to financial products is also increasing.

The broker analysts said that in the middle of 2013, if 1% of demand deposits were converted to < a href= "http://www.91se91.com/news/index_c.asp" > Monetary Fund "/a", the impact on 2014 profits of banks would be 2%.

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< p > Huang Biao believes that this year's corporate demand deposits may still be in bad condition, and the impact of Internet financial impact on demand deposits may be bigger and bigger.

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< p > last year, Alibaba's "balance treasure" created by the joint Celestica fund was widely noticed, and all kinds of "treasure" joined the war group.

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< p > up to February 27th this year, the on-line business has only been more than 8 months, and the balance treasure has exceeded 81 million users.

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< p > prior to this, some people with bank financing said that the flexibility of the monetary fund has great substitution effect on the demand deposits of banks. The deposit financing is the main trend of the industry. Not only is Internet financial management, but the bank's own deposits turn to financial management is also hard to avoid.

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< p > in fact, more and more "a href=" http://www.91se91.com/news/index_c.asp "/a" has already launched some "T+0" financial management, including banks such as Bank of communications, Ping An Bank and ICBC, which have launched similar products.

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< p > brokers analysts said, "a href=" http://www.91se91.com/news/index_c.asp "> Internet Finance < /a > will have more and more influence on banks in the future. Banks will also offer similar products at least to retain customers.

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< p > in the performance press conference of China Merchants Bank in March 31st, the top executives of China Merchants Bank said that the impact of Internet banking on China Merchants Bank is not very large, but from the perspective of development, it will definitely change the financial industry.

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