应对互联网金融 中国传统银行发起反击
<p><span word="China">China</span>'<span word="s">s</span> <span word="brick">brick</span>-<span word="and">and</span>-<span word="mortar">mortar</span> <span word="banks">banks</span> <span word="are">are</span> <span word="launching">launching</span> <span word="a">a</span> <span word="counter">counter</span>-<span word="attack">attack</span> <span word="against">against</span> <span word="the">the</span> <span word="assault">assault</span> <span word="on">on</span> <span word="their">their</span> <span word="business">business</span> <span word="from">from</span> <span word="Alibaba">Alibaba</span> <span word="and">and</span> <span word="other">other</span> <span word="Internet">Internet</span> <span word="heavyweights">heavyweights</span>, <span word="in">in</span> <span word="a">a</span> <span word="bid">bid</span> <span word="to">to</span> <span word="staunch">staunch</span> <span word="the">the</span> <span word="outflow">outflow</span> <span word="of">of</span> <span word="bank">bank</span> <span word="deposits">deposits</span> <span word="into">into</span> <span word="high">high</span>-<span word="yielding">yielding</span> <span word="online">online</span> <span word="investment">investment</span> <span word="products">products</span>.</p><p><span word="In">In</span> <span word="less">less</span> <span word="than">than</span> <span word="eight">eight</span> <span word="months">months</span>, <span word="Alibaba">Alibaba</span> <span word="Group">Group</span> <span word="Holding">Holding</span> <span word="Ltd">Ltd</span>'<span word="s">s</span> <span word="money">money</span> <span word="market">market</span> <span word="fund">fund</span>, <span word="Yu">Yu</span>'<span word="e">e</span> <span word="Bao">Bao</span>, <span word="has">has</span> <span word="attracted">attracted</span> 400 <span word="billion">billion</span> <span word="yuan">yuan</span> ($66.0 <span word="billion">billion</span>) <span word="in">in</span> <span word="assets">assets</span> <span word="under">under</span> <span word="management">management</span>, <span word="more">more</span> <span word="than">than</span> <span word="the">the</span> <span word="customer">customer</span> <span word="deposits">deposits</span> <span word="held">held</span> <span word="by">by</span> <span word="the">the</span> <span word="five">five</span> <span word="smallest">smallest</span> <span word="listed">listed</span> <span word="Chinese">Chinese</span> <span word="banks">banks</span>.</p><p><span word="Similar">Similar</span> <span word="online">online</span> <span word="products">products</span> <span word="from">from</span> <span word="Baidu">Baidu</span> <span word="Inc">Inc</span> <span word="and">and</span> <span word="Tencent">Tencent</span> <span word="Holdings">Holdings</span> <span word="Ltd">Ltd</span> <span word="also">also</span> <span word="contributed">contributed</span> <span word="to">to</span> <span word="a">a</span> <span word="fall">fall</span> <span word="of">of</span> <span word="one">one</span> <span word="trillion">trillion</span> <span word="yuan">yuan</span> <span word="in">in</span> <span word="traditional">traditional</span> <span word="bank">bank</span> <span word="deposits">deposits</span> <span word="in">in</span> <span word="January">January</span>.</p><p>"<span word="Yu">Yu</span>'<span word="e">e</span> <span word="Bao">Bao</span> <span word="and">and</span> <span word="similar">similar</span> <span word="products">products</span> <span word="are">are</span> <span word="posing">posing</span> <span word="a">a</span> <span word="very">very</span> <span word="strong">strong</span> <span word="competitive">competitive</span> <span word="challenge">challenge</span> <span word="to">to</span> <span word="banks">banks</span>," <span word="said">said</span> <span word="Zennon">Zennon</span> <span word="Kapron">Kapron</span>, <span word="head">head</span> <span word="of">of</span> <span word="Kapronasia">Kapronasia</span>, <span word="a">a</span> <span word="finance">finance</span> <span word="and">and</span> <span word="technology">technology</span> <span word="consultancy">consultancy</span> <span word="based">based</span> <span word="in">in</span> <span word="Hong">Hong</span> <span word="Kong">Kong</span>. "<span word="Although">Although</span> <span word="the">the</span> <span word="amount">amount</span> <span word="of">of</span> <span word="money">money</span> <span word="that">that</span> (<span word="online">online</span> <span word="products">products</span>) <span word="have">have</span> <span word="attracted">attracted</span> <span word="is">is</span> <span word="still">still</span> <span word="small">small</span> <span word="as">as</span> <span word="a">a</span> <span word="portion">portion</span> <span word="of">of</span> <span word="banks">banks</span>' <span word="overall">overall</span> <span word="deposit">deposit</span> <span word="base">base</span>, <span word="it">it</span>'<span word="s">s</span> <span word="very">very</span> <span word="significant">significant</span> <span word="in">in</span> <span word="terms">terms</span> <span word="of">of</span> <span word="the">the</span> <span word="speed">speed</span> <span word="at">at</span> <span word="which">which</span> <span word="they">they</span>'<span word="ve">ve</span> <span word="grown">grown</span>."</p><p><span word="Now">Now</span> <span word="traditional">traditional</span> <span word="lenders">lenders</span>, <span word="initially">initially</span> <span word="caught">caught</span> <span word="flat">flat</span>-<span word="footed">footed</span>, <span word="are">are</span> <span word="striking">striking</span> <span word="back">back</span>.</p><p><span word="Industrial">Industrial</span> <span word="and">and</span> <span word="Commercial">Commercial</span> <span word="Bank">Bank</span> <span word="of">of</span> <span word="China">China</span> , <span word="Bank">Bank</span> <span word="of">of</span> <span word="China">China</span> , <span word="Bank">Bank</span> <span word="of">of</span> <span word="Communications">Communications</span> <span word="and">and</span> <span word="Ping">Ping</span> <span word="An">An</span> <span word="Bank">Bank</span> <span word="have">have</span> <span word="all">all</span> <span word="launched">launched</span> <span word="new">new</span> <span word="products">products</span> <span word="in">in</span> <span word="recent">recent</span> <span word="weeks">weeks</span> <span word="that">that</span> <span word="match">match</span> <span word="the">the</span> <span word="attractive">attractive</span> <span word="features">features</span> <span word="of">of</span> <span word="Yu">Yu</span>'<span word="e">e</span> <span word="Bao">Bao</span>.</p><p><span word="Banks">Banks</span> <span word="are">are</span> <span word="also">also</span> <span word="lobbying">lobbying</span> <span word="regulators">regulators</span> <span word="to">to</span> <span word="introduce">introduce</span> <span word="curbs">curbs</span> <span word="on">on</span> <span word="the">the</span> <span word="growth">growth</span> <span word="of">of</span> <span word="on">on</span>-<span word="line">line</span> <span word="funds">funds</span> <span word="offered">offered</span> <span word="by">by</span> <span word="non">non</span>-<span word="banks">banks</span>.</p><p><span word="Ultimately">Ultimately</span>, <span word="however">however</span>, <span word="competition">competition</span> <span word="for">for</span> <span word="deposits">deposits</span> <span word="will">will</span> <span word="drive">drive</span> <span word="up">up</span> <span word="banks">banks</span>' <span word="funding">funding</span> <span word="costs">costs</span> <span word="and">and</span> <span word="crimp">crimp</span> <span word="profit">profit</span> <span word="margins">margins</span> <span word="this">this</span> <span word="year">year</span>.</p>
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