The Ratio Of Bank Loan To Deposit Ratio Has Been Strictly &Nbsp Since June.

12, the source said, regulators will start business in June.

Analysts believe that this means the size of future commercial bank deposits.

Loan to deposit ratio is strictly regulated.

As early as last year's fourth financial and economic situation briefing, the CBRC executives suggested that we should discard the unscientific practice of performing performance appraisal at the end of the month and the end of the quarter, establish the monthly average deposit statistics system, and monitor the liquidity level according to the monthly average daily loan.

According to sources, last year, the CBRC only requested 75% regulatory requirements at the end of the quarter. In the first quarter of this year, it was required to declare the deposit to loan ratio at the monthly rate. The two quarter will be further refined to declare the daily average loan to loan ratio in the monthly assessment cycle.

The official said that the loan to deposit ratio was mainly due to the fact that it had only asked for a lower than 75% of the final value, and the average daily follow-up requirement was less than 75% a month.

Bankers revealed that the daily average loan to deposit ratio would give banks a buffer period, so the previous stage was the data accumulation stage.

Judging from the current implementation of banks, there will be breakthroughs only at individual points.

Due to the relatively low deposit and loan of large banks and the stable source of bank capital, the average daily loan to deposit ratio has little effect. However, it is difficult for the medium and small banks with high deposit to loan ratio.

Everbright Bank [3.93 -1.01% shares] vice president Lin Li said recently that from Everbright Bank's average daily loan to deposit ratio in the first quarter, most of the time was 72%-74%.

Data show that at the end of last year, the bank's loan to deposit ratio was about 71.63%, and the ratio of deposit to loan was high in the banks that had disclosed annual reports.

Data show that as of the end of 2010 12, China Merchants Bank [14.77 -0.27% shares], CITIC Bank [5.58 -1.06% shares], Bank of communications [5.98 -0.50% shares and other banks have higher loan to deposit ratios, which are 74.59%, 72.83% and 72.10% respectively.

The weakening effect of "rush point" in deposits

Bankers say the average daily loan to deposit ratio assessment will have some impact on some small and medium-sized commercial banks.

Since the loan to deposit ratio of some small and medium-sized banks has reached the upper limit of 75%, in the future, as the reserve ratio rises, the loan to deposit ratio will remain high, which will affect the liquidity of these banks and thus affect the loan delivery.

In addition, when the deposit can not grow effectively, the daily average loan to loan ratio assessment will reduce the total amount of new credit for small and medium-sized banks.

From the first quarter, in the first ten days of each month, credit is concentrated and funds are slack, and the average daily loan to loan ratio assessment will restrict the impulse of banks' initial credit.

Xiao Li, a grass-roots employee of a joint-stock bank, said that in the past, in order to meet the requirements of deposit time, banks would usually take a "return point" approach at the end of the season to attract funds into the banking system.

"After the daily average loan to loan ratio test, the role of time stamping is weakening."

He disclosed that the head office now has some indicators for daily assessment of employees, as well as daily average indicators.

This needs to extend the time cycle of capital in the banking system.

But he admits that there are not many ways for banks to attract long-term funds.

Some bankers pointed out that at present, there is no substantial progress in the marketization of interest rates. The implementation of the daily average loan to loan ratio assessment by regulators will increase the cost of bank capital and cause a certain disturbance to the operation of banks.