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Why Do People Manage To Return The Bank In Large Quantities?

2014/7/14 13:51:00 26

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> the world's < a target= "_blank" href= "http://www.91se91.com/" > clothing < /a > a target= "_blank" href= "_blank" > shoes "< hat > net" Xiaobian introduced to everyone is "baby" dilatation and sudden decrease, bank deposits in June deposits or massive backflow.

> "baby" dilatation and sudden decrease. The bank holds the savings in June. Deposits or large backflow

the CBRC has increased the supervision over the shadow banking, and the off balance sheet assets of banks have been restricted, resulting in a large number of off balance sheet assets of banks returning to the table business, causing the banks' assets responsibility table to show more significant changes.

In June P, the financial operation showed a sharp upward trend.

Taking Henan Province as an example, as of the end of 6, the balance of deposits of foreign currencies of financial institutions was 4 trillion and 238 billion 310 million yuan, up 15.8% from the same period last year, a sharp rise of 3.1 percentage points from the previous month. The balance of loans of foreign and domestic loans of financial institutions was 2 trillion and 591 billion 960 million yuan, an increase of 17% over the same period last year, representing 1.9 and 1.5 percentage points higher than last month and the same period last year.

Henan province's < a href= "http://www.91se91.com/news/index_cj.asp" > deposit < /a > growth rate recovery is not a case in point. Data show that in June, the balance of foreign currency deposits in Liaoning province was 42219 billion yuan, an increase of 11.1% over the same period last year, an increase of 1.9 percentage points from the end of last month, an increase of 113 billion 600 million yuan in that month, an increase of 78 billion yuan compared with the previous year, and the growth rate of deposits rose further.

Guo Tianyong, director of the [0.39% capital research and research center of Bank of China, Central University of Finance and Economics, told reporters yesterday that the reason for the notable increase in deposits is that, on the one hand, the pressure and motivation of banks to promote deposits and loan work are strong due to the supervision and assessment of the deposit and loan ratio in the first half of the year. On the other hand, since May, the Banking Regulatory Commission has increased the supervision over the shadow banking and restricted the off balance sheet assets of banks, resulting in a large number of off balance sheet assets of banks returning to the table business, causing the banks' assets responsibility table to show a more significant change.

multiple factors superimposed deposit growth rebounded /p >

from the perspective of deposit, the growth rate of deposits in Henan has rebounded sharply.

At the end of 6, the deposits of foreign currencies of financial institutions increased by 152 billion 200 million yuan in the same month, an increase of 118 billion 380 million yuan compared with the same period last year, an increase of 479 billion 200 million yuan compared with the beginning of the year and an increase of 13 billion 920 million yuan over the same period last year.

"this phenomenon is not unique."

Li Huiyong, an analyst at Shenyin and Wanguo, told reporters that banks have been expanding the scale of deposits and loans at the end of the year and at the end of the year, increasing the amount of oral agreement deposits, and postponing the deposit time of banks to meet the assessment.

Dong Ximiao, a researcher at Chongyang Financial Research Institute of Renmin University, also told reporters that in addition to the above important seasonal factors, the two quarter of the central bank conducted two relatively intensive monetary policy, and implemented a relatively loose monetary policy. The two superimposed release of 250 billion ~3000 billion liquidity to the market. The situation of Henan's financial operation can be said to be a preliminary manifestation of macroeconomic policy fine-tuning.

loans, data show that at the end of 6, loans in Henan increased significantly.

The balance of loans of foreign currencies for financial institutions was 2 trillion and 591 billion 960 million yuan, an increase of 17% over the same period last year, up 1.9 and 1.5 percentage points respectively from the same month last month and the same period last year. The monthly increase of 67 billion 170 million yuan, an increase of 45 billion 390 million yuan compared with the same period last year, increased by 230 billion 750 million yuan compared with the beginning of the year, and increased by 52 billion 660 million yuan over the same period.

to this, Dong Ximiao analysis shows that the growth of the loan scale of Henan province shows that the real economy is recovering from the bottom up and there is a demand for loans. At the same time, the effect of guiding the banks to support the real economy has been preliminarily revealed. The major commercial banks have increased the loan ratio and added the credit loan to the real economy.

the influence of the CBRC on the adjustment of bank loan to deposit ratio at the end of June, many experts interviewed by our reporter said that the adjustment of deposit to loan ratio will alleviate the effect of "end effect" and "year-end effect" of the banking industry in the future, but the assessment index only made minor adjustments to the molecules and denominator, and the performance appraisal still existed and the influence was relatively limited.

for a customary practice of internal assessment and incentive measures for a bank, a state-owned big person told us that the branches of commercial banks regularly have quota quantitative task targets, tasks are linked to assessment, performance bonus and other incentive measures are directly related to the completion of performance indicators, and the ranking among different branches is conducted. This assessment and incentive culture plays a stimulating role in this critical time in June, prompting banks to submit beautiful "statements" to performance appraisal.

"baby" dilatation and sudden decrease, the bank holds the storage well,

Since the end of last year, the size of the IMF has kept increasing. As of the end of the two quarter of this year, the scale of the IMF has reached 1 trillion and 511 billion 62 million 200 thousand yuan. The strong counterattack of the IMF represented by Internet finance once seized the banking financial market and was regarded as a "spoiler" in the financial industry. "P"

However, what made the bank slightly relieved this time is that the growth rate of the Monetary Fund in the two quarter has slowed down significantly compared with the first quarter.

in fact, behind the slowdown in the size of the IMF is the expansion and deceleration of the Internet babies.

With the attention of the market, the balance of the "Tianhong Zeng Li Bao Monetary Fund" at the end of the two quarter was 574 billion 160 million yuan, a net increase of nearly 33 billion yuan at the end of the first quarter, and the scale is still growing.

However, the growth rate was less than that of 1/10 in the first quarter. It is estimated that the average size of the two quarter increased by about 11 billion yuan per month, compared with an average monthly increase of 118 billion 600 million yuan in the first quarter.

July 12th, the yield of balance treasure was 4.1730%, which has already lost enough appeal to investors with higher income requirements.

Some analysts believe that, on the surface, 6 months end of the test test "baby" and other monetary fund for the level of liquidity management, but the deeper level is to see the degree of recognition of investors for products.

at the same time, the means of banks' holdings are changing.

According to Dong Ximiao analysis, the large amount of negotiable certificates of deposit, which are regarded as the most likely to be liberalized, will mark the pace of marketization of interest rates. Meanwhile, commercial banks are also actively coping with the interest rate of floating up to attract deposits.

careful depositors will also find that many banks adopt flexible interest rate calculation methods for regular savings deposits, such as depositors' fixed deposits of 10000 yuan and 1 years in bank savings. If they are taken out in 7 months, they are calculated at current interest rates. Nowadays, banks can calculate interest rates in accordance with half yearly savings rates in order to attract depositors.

in addition, since the end of last year, trust and financial products have been constantly exposed to risks. For this reason, Dong Ximiao believes that trust and fund investment users have strong risk tolerance and high return on investment return. Such investments have limited impact on the banking business.

it is worth noting that the growth rate of deposit growth in Henan is not a case in point. Data show that the growth rate of deposits in Liaoning in June has further recovered. The balance of foreign currency deposits in the province has reached 42219 billion yuan, an increase of 11.1% over the same period last year, an increase of 1.9 percentage points from the end of last month, an increase of 113 billion 600 million yuan in that month and an increase of 78 billion yuan over the same period last year.

At the same time, all loans in the province remained stable. The growth rate of short-term loans and medium and long-term loans decreased slightly. The growth rate of bills financing loans increased significantly. At the end of 6, the balance of loans of Liaoning foreign financial institutions was 31678 billion yuan, up 11.9% over the same period last year, down 0.2 percentage points from the end of last month.

"affected by seasonal factors, the running data of a href=" http://www.91se91.com/news/index_c.asp "> Finance < /a > in June will be very different from that in May.

Dong Ximiao predicted that the June financial data statistics report will be a "beautiful" report.