Banks Will Be Subject To Strict Constraints When They Collect The New Rules.

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The Xiaobian of the network tells you that the banks are collecting new regulations, and the high interest rate at the end of the season will be strictly restricted.

Save money at the end of the month or no more gold bars.

Towards the end of the three quarter, most banks were busy rushing to deposit money at the time of the past year - the deposit rebates and the sending of gold bars.

But this year, the CBRC issued a new management notice, which changed the bank's normal concentration at the end of the month. There was a sigh of relief for the big banks.

For this reason, there is still a passage on the Internet: if you love a bank, please save it; if you hate a bank, wait until the end of the month to save it.

This stems from the notice issued by the central bank, the Ministry of Finance and the China Banking Regulatory Commission on the issue of strengthening the management of the deviation of commercial banks' deposits in the evening of September 12th, which strictly restricted the "rush time" behavior of bank deposits, and severely punished the banks which deviated from the normal daily average range.

The size of the new regulation at the end of the month will be fined off 3% per day

The CBRC requires banks to break down the evaluation task reasonably and restrict the "rush time" behavior of deposits from the source.

It is not necessary to set up the index of scale assessment for time deposits, and not to set up evaluation indicators solely based on the deposit market share or ranking requirements. Branches should not raise their evaluation standards and relevant index requirements at all levels.

The CBRC has suggested that banks should not collect interest at high interest rates, raise interest rates arbitrarily or set high interest rates in violation of regulations, and set up special accounts to pay high interest rates for depositors.

It is not allowed to illegally withdraw profits and absorb deposits. It can absorb deposits through improper means such as repaying cash or securities, giving gifts in kind, etc., and shall not be allowed to deposit through third party intermediaries, nor shall it delay or refuse to pay the principal and interest of the deposit by setting unreasonable withdrawal payments, limiting Internet banking, and pressing tickets and refund tickets.

In addition, it is not mandatory to set up terms or consultations to pfer loan funds into deposits, to make false loans to empty customers, and to increase false deposits.

Loan funds should not be used as margin to open bank acceptance bills and discount.

The CBRC also mentioned that it is not possible to deposit financial products, such as unreasonable design of the term structure of the financial products, and the issuance and expiration date should be concentrated at the end of each month, and turn the financial management funds into deposits at the key points such as the end of the month and the end of the quarter.

It is not necessary to include interbank deposits in general deposit accounts, and temporarily deposit funds at the end of the month and end of the season with other financial companies and other key points for general public deposits, and increase deposits falsely.

The CBRC requires that banks should strengthen the management of deposit stability and restrict the "rush hour" of the end of the month. At the end of the month, the deviation of deposits should not exceed 3%.

Violation of regulations

Will suspend its access business, two times a year exceeding the standard will be lowered regulatory rating.

At the end of the month, the deviation of deposit is (= the last day of the month, the last day of each deposit - the average daily deposit)) / the average daily deposit of this month is 100%.

We should respond to banks' "rush hour" or change to "daily average".

After the introduction of the new regulation, a Guangzhou branch of a joint-stock bank revealed to the Nanfang Daily reporter that the bank is currently working on the new rules, and the new deposit assessment system is expected to be released in the two days.

However, there are also analysts from the banking sector who say that banks will not change their deposits under the constraint of slower growth in deposit growth and loan to deposit ratio.

As long as the deposit loan ratio constraint is still in place, the credit deposit needs the corresponding deposit growth, before the "rush point" will only be changed to "daily average".

The Bank of communications commented that the management of deposit deviation helps to reduce the fluctuation of deposits, but it is difficult to eliminate them completely.

By restricting the bank's deviation at the end of the month to less than 3%, the bank will restrain the bank's deposits in the last few days of the month to a certain extent, which is conducive to stabilizing the deposit fluctuations.

However, according to the formula, if the bank deposits the time point of the deposit appropriately early, for example, from the middle to late days, it can basically guarantee that the deviation of the deposit at the end of the month will not exceed 3%.

Therefore, the fluctuation of deposits is likely to turn from "previous point fluctuations" to "band fluctuations".

In fact, the loss of deposits has been serious since the beginning of this year. Banks face enormous pressure on the assessment of indicators at the end of the month.

In July, China's RMB deposits decreased by 1 trillion and 980 billion yuan, of which household deposits decreased by 1 trillion and 80 billion yuan.

The data in August were also not optimistic. Household deposits decreased by 230 billion 500 million yuan.

In addition, people in the industry told Nanfang Daily reporters that in the past two months, not only did the deposits flow out, but also the scale of the financial assets began to shrink and a large amount of capital flowed into the stock market.

Reporters learned that many joint-stock banks are still all banks, everyone has a "deposit task".

A joint-stock bank Guangzhou branch revealed that even the backstage management positions had a deposit of 6 million yuan per capita.

However, there are also complaints from banks. If we deposit money ahead of schedule, if the deposits exceed the expected level at the end of the month, banks will be able to save or save deposits.

In the long run, the share of banks is more affected.

From a deeper level, the root of the "rush time" problem is that banks rely solely on the expansion of asset size development mode.

Since banks did not pform from a simple scale expansion mode to a quality oriented and cost-effective way of development, some banks are expected to drill various regulatory loopholes for a period of time. The phenomenon of high deposit will also exist, and the scope may extend from the end of the month to the end of the season.

The new regulation will have a greater impact on the joint-stock banks that are developing, and for the basically stable state owned enterprises, the pressure of deposit pressure at the end of the season will be reduced.

Yang Chi, a researcher at Huaxia Bank Development Research Department, said that because of the relatively weak customer base and small number of outlets, the phenomenon of "rush time" has become more serious in the small and medium banks, and the scale of deposits is expected to be greatly affected.

According to the analysis of Bank of communications, it is more important to stabilize the deposits and reduce the cost of social financing.

In the short term, it should be supplemented by further optimization of deposit loan ratio supervision, such as further expanding the scope of deposit statistics, and adjusting the ratio of deposit to loan ratio to daily average check.

In the long run, we should fundamentally solve the problems of abolish the deposit and loan ratio supervision, promote the issuance of large certificates of deposit, and speed up asset securitization.

The key to strengthening liquidity management is to strengthen the quality management of liabilities.

Under the impact of interest rate market and Internet finance, the debt structure of banks is increasingly diversified.

The stability of the source has declined, and the cost of liabilities has increased significantly, which has increased the difficulty of bank liquidity management.

In the future, commercial banks should start with stabilizing debt composition, decentralization of debt sources, strengthening active liabilities and controlling the cost of liabilities, and improving the quality of debt through issuing interbank deposit certificates and reducing mismatch between assets and liabilities.

Yang Chi said.