Among them, the ningbo bank, fell by 0.36%, become a drop of most Banks. But at present, ningbo bank, with 3.1085% of the net interest margin in ten Banks in the first place, the bank of Gucci Store, with 2.12% of the net interest margins at the top of the last; the fee income growth is slowing.
Four state-owned bank charges and commissions in the same period last year net income growth is above 20%, due to strengthen the management of the banking fees this year, the banking fee income growth slowed significantly. In spite of this, we see that the relative to the entity enterprise management difficult, still better than many banking days.
Falling profits of industrial enterprises above designated size, but the banking sector profit growth generally remains as high as 20% above, in the case of the real economy is very weak, the banking industry's huge profit in fact means that the entity will greatly increase the cost of financing, increase the burden of enterprises. Banks earn a penny, is equal to the real economy burden of financing costs a penny more, this is a zero-sum game.
Someone in the bank of Gucci Store for more than the number of denied banking monopoly. In fact, the monopoly of the banking sector is not that the number of Banks, but in the price of access to Banks and bank services are free. If a business is a real competition in the industry, should at least have two characteristics: one is free, for now, Gucci Belt Replica banking sector to private capital into the essentially is still closed, remains difficult to obtain banking licence; the price is determined by competition, have a good price good service, but the bank of Gucci Store, any bank, regardless of the service quality, the price is the standard price of administrative controls. As for these two points, http://mancodebook.com/ even if Gucci Belt Replica banking sector has competition, it is false true monopoly competition.
It also could be judged from the structure of banking at present profit. From the Gucci Store banking source of profits, although in the first three quarters of this year spreads narrowed somewhat, but more than 80% of the banking industry's overall profits still on spread income. The high barriers to entry and administrative pricing in fact means that the banking sector as a whole to earn profits by monopoly situation has not changed. Monopoly on the one hand, Banks and banking services prices, fake gucci belt makes the number of financial institutions can not meet the needs of the real economy.