Les banques chinoise subissent une sérieuse hémorragie. Les gens retirent leur cash. Les banques pour éviter d’être drainées alors que les taux de rémunération sont bloqués, recourent à toutes sortes de cadeaux pour séduire les déposants. Ainsi elles offrent des Mercedes pour les très riches,des iPhones, des fruits et légumes etc . La quete de rendement explique ces mouvements de retrait. Les nouvelles sources d’accident financier se multiplient. La fameuse « search for yield » que nous connaissons, mais en caricature n’est-ce pas .

“Chinese banks are hemorrhaging their deposits,” says Rainy Yuan, an analyst at brokerage Masterlink Securities in Shanghai. China’s banks lost 950 billion yuan ($154 billion) of deposits in the three months through September, the first quarterly drop since 1999. In the first 11 months of the year, new deposits were 23 percent lower than in the same period last year, People’s Bank of China data show.

Savers seeking higher returns have been pouring money into online money-market funds offered by the e-commerce companies Alibaba Group (BABA) and Baidu (BIDU). One fund, Yu’E Bao, started last year by Alibaba affiliate Alipay, drew 535 billion yuan in its first 15 months of existence from 149 million customers, more than the populations of France and the U.K. combined. Users simply tapped a few buttons on their mobile phones to secure an annual rate of return that climbed as high as 6.8 percent before falling to about 4 percent recently.