South dispatch on June 8, silver protects inspect, Central Bank to release " the announcement that governs concerned matter about perfecting irrelevance of commercial bank deposit " , farther normative commercial bank admits deposit act.
Forbidden commercial bank is violated 7 kinds compasses admit deposit actThe basis notices a requirement, the commercial bank will adopt the following method to violate henceforth compasses absorb and raise deposit phonily:
1, violate compasses return benefit to suck put. Return ready money through returning or negotiable securities, give the wrong step such as objective to draw deposit.
2, suck through tripartite intermediary put. Through the tripartite capital such as individual or orgnaization intermediary draws deposit.
3, defer pays suck put. Through the extraction with unreasonable set the paragraph is restricted with the paragraph, close the kind such as the bank on the net, return a ticket that control a bank note protracted, reject to pay deposit capital and interest.
4, turn in order to borrow put suck put. Compulsive set clause or negotiate an agreement to turn loan fund for deposit; Serve as in order to deposit money examine and approve and extend the premise condition of loan; To " sky door " put phonily borrow, add phonily put.
5, put with borrowing make out an invoice to suck. Open loan fund the bank acceptance circularly as bail and discount, empty is added put loan.
6, put through product of conduct financial transactions. Design of structure of deadline of product of conduct financial transactions is unreasonable, issue and expire time is centered at every months of the last ten-day of a month,
7, put through business of a person of same business. a person of same business deposit brings into business accounting of run-of-mill deposit course; The dot when a person of same business such as will financial company deposits capital to wait for a key at lunar end, season end is moved temporarily be opposite commonly fair deposit, raise deposit phonily.
To this, research center of traffic bank banking is presiding Xiang Na of financial analyst E Yongjian the reporter expresses, edit this be helpful for promoting bank standard to draw deposit, stabilize deposit market, increase the stability of deposit, be helpful for a bank more begin deposit professional work reasonably, enhance the ability that supports hypostatic economy then.
Effect a radical cure " the dot when rushing " depositNotable is, be in early actually in September 2014, superintend what had been made and release " the announcement that governs concerned matter about strengthening irrelevance of commercial bank deposit " , supervise and urge the commercial bank perfects performance test system, tie commercial bank is violated compasses suck put, add phonily put action, tie month end deposits money " the dot when rushing " waited for a respect to produce main effect.
To a system edit reappearance, the reason that superintendency branch gives out is, union in recent years commercial bank business manages new characteristic, risk to supervise new case, farther superintend and director guides the commercial bank closes to be prevented plan development, effectively control a venture.
Perfect main content include:
It is union in recent years money market environment, banking Wu manages change, farther aggrandizement performance examines, close compasses run the requirement that reachs the side such as bank self-discipline.
2 it is to adjust deposit irrelevance ration to assess a method. Simplify on one hand computational method, season end month and blame Ji Mo month uses same index computation level. Be worth superintendency index on the other hand by original 3% adjust to 4% .
3 it is further perfect supervisory examination, executive difference turns management, increase superintendency measure to carry out strength.
"From deposit irrelevance computation edits formularily in light of, the requirement is loosened somewhat " , e Yongjian points out, 3% enlarge the 4% upper limit that raised irrelevance directly, and according to the computational formula before, of season end month " day all deposits money this month " but plan must not exceed into amount " go up month days to all deposit money * (1+ 4 quarters all deposit money last months days recently of increase rate all be worth) " , also be to say namely, be opposite before bank savings of season end month and go up the deviate of month of deposit has a demand, this one requirement after editing cancelled.
Although index is loosened somewhat, but edit this strengthened supervisory examination, refined the specific penalty measure that violates irrelevance clearly further, before be being compared more strict.
Announcement requirement, dimensions of deposit of sex of the dot when the commercial bank must not be established examines index, also do not get set to be the test index of the requirement quite with deposit market share, rank or a person of same business, the branch does not get layer upon layer raise the quota to raise test standard and relevant index requirement.
Aggrandizement deposit day all is contributed examine, from germ the tie deposits money " the dot when rushing " behavior. Pull brand-newly store big fight mode is started, the arm since bank person Lu is cheered work!
Interview and write: South reporter Wu Mengshan, Tian Jiao
