分析：高盛面臨難以出售其消費者資產的困境
高盛集團正在向投資者進行艱難的銷售推廣，以出售其陷入困境的消費者業務資產，這些資產拖累了公司的收益，可能缺乏吸引潛在買家的吸引力。高盛首席執行官大衛·所羅門在週二出人意料地表示，該銀行正在考慮消費者業務的“戰略選擇”，這是可能出售的信號。當股東和分析師在公司的投資者日上詢問該過程的詳細信息時，所羅門和其他高管拒絕透露更多細節。高盛仍持有Marcus消費銀行業務中的1000億美元存款，45億美元的個人貸款，與蘋果公司（AAPL.O）和通用汽車公司（GM.N）的信用卡合作夥伴關係，以及22億美元的商戶借貸平臺GreenSky。據知情人士告訴路透社，Marcus下的存款業務仍然是核心業務，不在評估範圍內。分析師正在評估剩下的業務中哪些是可供選擇的，並且在高盛表現不佳之後，它們會以什麼價格被出售。索羅門（Solomon）自2018年接手華爾街強勢公司以來一直支持高盛進軍消費銀行業務。然而，消費業務在與成熟的消費銀行競爭中未能獲得立足之地，並因信貸撥備而損失數十億美元。觀察家對該銀行進軍“主街”的舉動持批評態度，認爲此舉旨在從交易和投資銀行等更有利可圖的主要業務中分散收入來源。高盛並未具體說明其正在追求的選擇，但一位不願透露姓名的高級投資銀行家表示，除了徹底出售資產之外，該銀行還可以招募更多投資者或達成新的合作夥伴關係。感興趣的可能是傳統銀行，或者高盛可能會尋求與某些保險或私募股權公司的合作，該銀行家表示。高盛拒絕在週二向投資者提供的信息之外發表評論。週二投資者聚會後，高盛股價下跌近3.8%。週三下午，股價下跌近1%。“消費銀行業務非常難以建立，”Oppenheimer & Co.分析師克裏斯·科託夫斯基（Chris Kotowski）表示。“曾經被認爲是恐龍的傳統銀行實際上擁有獨特且難以複製的價值主張，包括支票賬戶、信用卡、家附近和辦公室旁邊的分行。”去年，高盛將Marcus併入新成立的資產和財富管理部門。同時，該公司還創建了一個平臺解決方案部門，以承載信用卡合作、GreenSky業務和交易銀行。
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