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The Central Bank Carries Out Differential Reserve Ratio For Some Small And Medium Banks.

2011/2/11 17:09:00 70

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Recently, a source told reporters that after the Spring Festival, the central bank made some difference to some small and medium-sized commercial banks.

deposit

Control measures of reserve ratio.

These banks are mainly commercial banks in cities.

This is

Central Bank

This year announced the implementation of the differential deposit reserve dynamic adjustment after the substantive measures taken.

At present, the upward pressure on prices is large. Many agencies predict that the CPI increase will exceed 5% in 1 and February, and the potential inflation risk factors have not yet been eliminated.

The central bank is expected to use more stringent regulatory policy tools in the first half of the year, especially in the first quarter.

The differential deposit reserve ratio is the normal tool for regulation and control.

The central bank faced greater liquidity management pressure in the first quarter.

At the beginning of the new year, the demand for loans for reserve projects was released and the concept of "early release and early benefit" was promoted.

RMB

New loans have blowout, and small and medium-sized banks have strong impulse to lend.

The head of a state owned large bank said that the central bank had already set a new line of loans for January, which could not exceed 12% of the total target of the year. But in the first two weeks of January, the amount of loans has exceeded the ratio.

After strict policy regulation, many banks slowed down the pace of credit in late January, and some banks suspended loans for the month.

Nevertheless, credit was still over 1 trillion and 200 billion yuan in January.

In order to effectively control money and credit, the implementation of differential reserve ratio has become an inevitable choice for the central bank.

The formula for differential deposit reserve ratio formulated by the central bank is that the differential deposit reserve rate paid by banks is equal to the difference between the capital adequacy ratio and the actual capital adequacy ratio calculated according to the macro Prudential Prudential requirement, and then the robust adjustment parameters of the bank are taken.

Insiders pointed out that according to the central bank formula, the lower the capital adequacy ratio of banks, the greater the probability of implementing differential deposit reserve ratio.

Since last year, bank credit has expanded greatly, and the capital adequacy ratio of many small and medium-sized commercial banks has already touched the regulatory red line.