The Central Bank Requires Banks To Maintain A Stable Loan Ratio Of &Nbsp.

According to relevant media reports, the central bank recently convened a meeting of bankers, and issued a document requiring commercial banks to maintain their deposits and loans smoothly during the National Day holiday.

The central bank requires banks to maintain a stable ratio of deposits and loans, and the balance of deposits in September 30th and the balance of deposits in October 8th can not be more than 5%.

Yesterday, reporters failed to contact the central bankers for comment.

However, a head of the assets and liabilities Department of a joint-stock bank, who did not want to be named, said he knew the central bank's request but had not yet seen the official document.

"The purpose of the central bank's move is to smooth the deposits of commercial banks and avoid bigger fluctuations in the balance of deposits."

The joint-stock bank also stressed that 5%.

The proportion is too low.

"Generally speaking, the average daily fluctuation of commercial bank deposits is around 1%, which is normal."

In the case of negative interest rates, residents

Debt business has generally become the focus of commercial banks' work this year.

In order to boost the debt business, commercial banks can make all the difference.

A financial practitioner from the eastern region said some parts of the eastern region.

Because of the inertia of supervision at the end of the month and the end of the season, banks are often the most competitive period.

Data released by the central bank showed that RMB deposits in financial institutions decreased by 668 billion 700 million yuan in July, and foreign currency deposits decreased by 8 billion 700 million US dollars.

Analysts say the decline in deposits in July was due to business.

This rush at the rush hour has aggravated the fluctuation of loan to deposit ratio, especially in small and medium-sized banks.

The central bank demanded that the balance of deposits in September 30th and the balance of deposits in October 8th can not be more than 5%.

This means that before the commercial banks reached the target in time, they would disappear by the end of September.

Generally speaking, in order to pass the end of the month and the end of the season, banks will have two ways: illegal storage, issuing financial products.

The so-called illegal storage, that is, by raising interest rates arbitrarily and other ways to attract deposits, this method is illegal.

The issuance of financial products is not related to irregularities, and this mode has increasingly become one of the main channels for banks to expand their liabilities business under negative interest rates.

Analysts explained that the financial account of customers has a few days' idle time from the date of interest payment. After the expiration of the contract, financial management funds will automatically turn into deposits.

In the first and second time period, funds were deposited in the deposit account.

In order to rush time, banks often have a higher enthusiasm for issuing short-term financial products at the end of the month.

"In order to achieve 5%.

The bank will have to adjust the arrangement of the centralized issuance of financial products at the end of the month.

The people of the joint-stock banks said they had little influence on the interest of banks in issuing financial products.

"The competition between banks is too intense for deposits. After all, no one wants to lag behind."