Investment bank Goldman Sachs pushing Internet banking: the minimum deposit 1 USD-Internet banking, Goldman Sachs-IT information
On April 26, according to the NBC Web site reported that investment bank Goldman Sachs has launched Internet banking GS Bank. Different from the Bank of millions of dollars in the past financial threshold, the new network of savings bank set a minimum deposit requirement of $ 1.
Goldman opened Internet bank deposit without fees, and 1.05% per annum, United States 1% higher interest on deposits of other large banks.
This new business is based on earlier GE Capital acquisitions of Internet banking at Goldman Sachs. In addition, the face more stringent regulation, falling profits, and the diversification of sources of revenue requirements, need such Internet banking at Goldman Sachs.
The first quarter of this year, net profit of 1.14 billion dollars in Goldman Sachs, down 59.9%.
With JPMorgan Chase, Wells Fargo and other United States banks, Goldman never had a huge customer base. The Bank's business has always relied on wealthy individuals. Regulators believe that, in the face of a catastrophic event, when Goldman's most at risk.
Survey from TNS Global, over the past 10 years, Internet banking is the only on-going growth in banking business. Not only because customers feel that way more convenient, but also because the public lost faith in the mainstream banks.
Goldman GS Bank deposits totaled approximately US $ 114 billion, as of July 2015, JPMorgan and Wells Fargo total deposits of $ 1.1 trillion, respectively. But their interest only 0.01%, or varies by product.
投行高盛推网络银行：最低可存1美元 - 网络银行,高盛 - IT资讯
4月26日消息，据NBC网站报道，投行高盛日前推出网络银行GS Bank。与该投行以往千万美元的理财门槛不同，新网络银行的储蓄业务只设定了1美元的最低存款要求。
开通高盛网络银行储蓄业务无需手续费，而且年息为1.05%，比美国其他大型银行的存款利息高出近1个百分点。
这项新业务基于高盛此前对GE Capital网络银行的收购。此外，面临更严格监管、利润下滑，以及营收来源多样化的要求，高盛也需要推出此类网络银行业务。
今年第一季度，高盛净利润为11.4亿美元，同比下滑59.9%。
与摩根大通、富国等其他美国大银行不同，高盛从未拥有过庞大的客户群。这家银行的业务向来仰仗那些富裕的人士。监管机构认为，在面对灾难性事件的时候，高盛的风险最大。
来自TNS Global的调研显示，在过去10年里，网络银行是唯一一项持续增长的银行业务。这不仅仅是因为客户觉得这种方式更便捷，而且也因为大众对主流银行失去了信心。
高盛GS Bank目前的存款总额大约为1140亿美元，而截至2015年7月，摩根大通与富国银行的存款总额分别为1.1万亿美元。不过后两者的利息只有0.01%，或者因具体产品而各有不同。