高盛轉(zhuǎn)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(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(zhuǎn)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(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，分析師們向美國的銀行——尤其是高盛——提出一連串疑問，質(zhì)疑它們?yōu)槭裁床徊扇「嘈袆?dòng)來提振它們的業(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?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。

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(gè)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(shí)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(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(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•戈?duì)柎奶?Devan Goldstein)表示，他拿不準(zhǔn)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(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：“在美國，高盛就是財(cái)富夢想的代名詞。”