Since the New Year's Day and the Spring Festival, some small and medium-sized banks have used the festivals as publicity points to launch deposit gifts or lottery activities of corresponding amounts with the help of numbers such as "520" and "1314" to attract depositors.
In addition to the regular savings activities, some banks also take advantage of the holiday to promote mobile banking, scan code payment and other services to expand the customer base of online channels.
As we all know, deposits are the basis of bank operations. Without deposits or insufficient deposits, it is impossible to provide customers with corresponding credit resources.
Therefore, banks attach great importance to depositors and use various methods to attract depositors to deposit with their banks.
At present, some small and medium-sized banks are affected by factors such as few branches, relatively backward technological means, as well as insufficient product innovation, low customer stickiness and other factors, resulting in a prominent problem of insufficient sources of deposits, which not only restricts the development of banks themselves, but also to a certain extent It affects the ability to support the real economy.
Therefore, it is reasonable for the relevant banks to increase their efforts to attract more reserves, obtain more available funds, and enhance their own financial strength.
However, some banks conduct "fancy storage" by giving gifts, etc., and are suspected of violating the regulations.
In June 2018, the China Banking Regulatory Commission and the People's Bank of China jointly issued the "Notice on Matters Related to Improving the Management of Deposit Deviation in Commercial Banks", which clearly stipulates that commercial banks should further regulate the behavior of taking deposits, and shall not adopt measures such as returning cash or negotiable securities, Absorbing deposits by improper means such as gifting in kind.
There is no doubt that "gifting deposits" violates the above-mentioned regulatory provisions and disrupts the normal order of competition in the deposit market.
Not only that, such behavior also increases the cost of bank liabilities, which will inevitably be transmitted to the real economy loan interest rate.
In the current situation where financing is difficult and expensive in the real economy, the raising of financing costs in the real economy is obviously not conducive to the healthy development of the economy.
At the same time, this kind of behavior can easily lead to the abnormal “relocation” of deposits, increase the fluctuation of deposits, and bring hidden risks to the operation of small and medium-sized banks.
Such suspected violations of stockpiling should be corrected in a timely manner.
All banking institutions should strengthen self-discipline, enhance awareness of compliance operations, foster a culture of compliance, and strengthen employee education in business operations such as offering cash. "Marketing, put an end to the policy "edge ball" in the acquisition of storage.
At the same time, it is necessary to further improve the employee performance appraisal method, not to set up individual deposit rewards, to strengthen the assessment of the average daily contribution of deposits, to restrict the "time point" behavior of deposits from the root, and to attract customers by improving service methods and service quality.
At the same time, regulatory authorities should also encourage banking institutions to compete reasonably through product and service innovation, and guide small and medium-sized banks to minimize the cost of debt and better support the development of the real economy.
We will further strengthen supervision and take effective measures to promptly stop and correct any irregularities in banking institutions' prospecting.
Banking institutions that seriously violate regulatory regulations and conduct malicious competition or even repeat offenses shall be punished and held accountable in accordance with the law, so as to maintain the order of competition in the deposit market.