將近150年來(lái),高盛(Goldman Sachs)一直是權(quán)貴階層的首選銀行。如今,這家華爾街巨頭向普通民眾敞開(kāi)了大門,提供存款額可低至1美元的在線儲(chǔ)蓄賬戶。
Goldman’s shift down market comes as the bank isunder pressure to develop new streams of funding.Weak first-quarter results from the big US banks have highlighted the challenges faced by theirinvestment banking units, under pressure from volatile markets and tight regulations.
高盛轉(zhuǎn)向低端市場(chǎng)之際,該行正面臨著開(kāi)拓新資金來(lái)源的壓力。美國(guó)大銀行今年首季度業(yè)績(jī)低迷,凸顯出它們的投行部門在市場(chǎng)波動(dòng)和監(jiān)管趨嚴(yán)的壓力之下面臨的挑戰(zhàn)。
Analysts last week fired a barrage of questions at the US banks, and at Goldman in particular,wondering why they were not doing more to reboot their businesses. Goldman posted thelowest quarterly return on equity — just 6.4 per cent, on an annualised basis — of the pastfour years.
上周,分析師們向美國(guó)的銀行——尤其是高盛——提出一連串疑問(wèn),質(zhì)疑它們?yōu)槭裁床徊扇「嘈袆?dòng)來(lái)提振它們的業(yè)務(wù)。高盛財(cái)報(bào)顯示,當(dāng)季股本回報(bào)率以年率計(jì)算僅為6.4%,為四年來(lái)的最低水平。
The bank last week launched GSBank.com, a platform it inherited via the acquisition of a$16bn book of deposits from GE Capital.
近日,高盛推出了GSBank.com,這是其收購(gòu)?fù)ㄓ秒姎饨鹑诠?GE Capital) 160億美元的存款賬簿時(shí)接手的一個(gè)平臺(tái)。
Through that deal it gained about 145,000 retail depositors and is now seeking more, offeringannual interest rates of 1.05 per cent on a savings account — many times better than the ratesof the biggest US brick-and-mortar lenders such as Citibank, JPMorgan Chase or Bank ofAmerica.
通過(guò)這筆交易,高盛獲得了約14.5萬(wàn)個(gè)零售儲(chǔ)戶,而且它現(xiàn)在還尋求發(fā)展更多零售儲(chǔ)戶。它向存款提供1.05%的年利率,比美國(guó)最大的幾家實(shí)體銀行——如花旗銀行(Citibank)、摩根大通(JPMorgan Chase)或美國(guó)銀行(Bank of America)——高出好幾倍。
Stephen Scherr, Goldman’s chief strategy officer, said the aim was to broaden sources offunding for GS Bank, its New York State-chartered lender. Until now, the unit has focused onwholesale funding sources and so-called “brokered deposits”, which are bulk sums that banksacquire from brokers in exchange for high interest rates.
高盛首席戰(zhàn)略官斯蒂芬•謝爾(Stephen Scherr)表示,此舉旨在拓寬其紐約州持牌銀行GS Bank的資金來(lái)源。到目前為止,GS Bank一直聚焦于批發(fā)層面的資金來(lái)源和所謂的“經(jīng)紀(jì)存款”(brokered deposits),即銀行以高利率為交換條件從經(jīng)紀(jì)商手中收購(gòu)的大宗款項(xiàng)。
By tapping regular retail depositors, Mr Scherr said, the bank can open up “a different avenueto use, with a different orientation and a different tenor”.
謝爾表示,通過(guò)發(fā)掘常規(guī)零售儲(chǔ)戶,高盛可以開(kāi)拓“一條具有不同定位、不同風(fēng)格的融資渠道。”
Devan Goldstein, banking expert at NerdWallet, a San Francisco-based personal finance site,said he was unsure whether rate-hunters would be drawn to GS Bank from other online bankssuch as Ally or Discover. But he predicted the Goldman brand was probably enough to piqueinterest.
NerdWallet的銀行業(yè)專家德萬(wàn)•戈?duì)柎奶?Devan Goldstein)表示,他拿不準(zhǔn)GS Bank是否會(huì)把那些追逐高息的儲(chǔ)戶從Ally或Discover等其他在線銀行吸引過(guò)來(lái),但他預(yù)計(jì)高盛的品牌應(yīng)該足以勾起人們的興趣。NerdWallet是一家位于舊金山的個(gè)人理財(cái)網(wǎng)站。
“It’s synonymous with the dream of wealth in America,” he said.
戈?duì)柎奶拐f(shuō):“在美國(guó),高盛就是財(cái)富夢(mèng)想的代名詞。”