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银行兼并的憧憬

巴塞罗那—银行业务遭遇了艰难时世。持续低利率、遵守监管成本的增加,以及具备金融技术的新竞争对手的崛起,它们的合力造成了产能过剩和盈利能力低下,以及强烈的兼并诱惑,尤其是在欧洲。

在艰难的市场中,兼并——它让银行削减成本、共享信息技术平台、增加市场力量,从而缓解利润率压力、重建资本——很有意义。银行也知道这一点。眼下德意志银行和德国商业银行的兼并谈判就是明证,两者都遇到了市值的剧烈缩水。

因此,一波兼并潮可能正在酝酿中。问题在于这一方法是否真的能够解决银行的问题并有利于社会。

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