高盛轉向大眾市場

For almost 150 years Goldman Sachs has been thego-to bank of the rich and powerful. But now theWall Street titan is opening up to the masses onMain Street by offering online savings accounts for aslittle as $1 on deposit.

將近150年來，高盛(Goldman Sachs)一直是權貴階層的首選銀行。如今，這家華爾街巨頭向普通民眾敞開了大門，提供存款額可低至1美元的在線儲蓄賬戶。

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.

高盛轉向低端市場之際，該行正面臨著開拓新資金來源的壓力。美國大銀行今年首季度業(yè)績低迷，凸顯出它們的投行部門在市場波動和監(jiān)管趨嚴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，分析師們向美國的銀行——尤其是高盛——提出一連串疑問，質疑它們?yōu)槭裁床徊扇「嘈袆觼硖嵴袼鼈兊臉I(yè)務。高盛財報顯示，當季股本回報率以年率計算僅為6.4%，為四年來的最低水平。

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，這是其收購通用電氣金融公司(GE Capital) 160億美元的存款賬簿時接手的一個平臺。

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.

通過這筆交易，高盛獲得了約14.5萬個零售儲戶，而且它現(xiàn)在還尋求發(fā)展更多零售儲戶。它向存款提供1.05%的年利率，比美國最大的幾家實體銀行——如花旗銀行(Citibank)、摩根大通(JPMorgan Chase)或美國銀行(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的資金來源。到目前為止，GS Bank一直聚焦于批發(fā)層面的資金來源和所謂的“經(jīng)紀存款”(brokered deposits)，即銀行以高利率為交換條件從經(jīng)紀商手中收購的大宗款項。

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，通過發(fā)掘常規(guī)零售儲戶，高盛可以開拓“一條具有不同定位、不同風格的融資渠道。”

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•戈爾茨坦(Devan Goldstein)表示，他拿不準GS Bank是否會把那些追逐高息的儲戶從Ally或Discover等其他在線銀行吸引過來，但他預計高盛的品牌應該足以勾起人們的興趣。NerdWallet是一家位于舊金山的個人理財網(wǎng)站。

“It’s synonymous with the dream of wealth in America,” he said.

戈爾茨坦說：“在美國，高盛就是財富夢想的代名詞。”