China News Agency, Beijing, February 3 (Reporter Wang Enbo) The reporter learned from the China Banking and Insurance Regulatory Commission on the 3rd that the department will continue to intensify the rectification of the Internet deposit and off-site deposit business of local small and medium-sized banks, and seriously investigate and deal with high-interest deposits and illegal absorption of off-site deposits etc. (including Internet channels).
The official stressed that local small and medium-sized banks are strictly prohibited from accepting large amounts of personal deposits from other places.
Since the China Banking and Insurance Regulatory Commission and the People's Bank of China issued the "Notice on Regulating Commercial Banks' Personal Deposit Business Through the Internet" in January 2021, the China Banking and Insurance Regulatory Commission has continued to supervise local small and medium-sized banks to implement the requirements of the notice and speed up the improvement process.
According to preliminary regulatory investigations, the current deposit business of local small and medium-sized banks is mainly local, and the proportion of deposits in other places is very low. The stability of liabilities has increased, and the trend of localized operation of institutions has become more obvious.
The China Banking and Insurance Regulatory Commission emphasized that local small and medium-sized banks should adhere to the positioning of serving the local area, serving "agriculture, rural areas and farmers", and serving small and micro enterprises, adhere to the principle that funds come from and be used locally, strictly follow regulatory requirements to regulate Internet deposit business, and strictly prohibit the absorption of foreign large banks. Amount of personal deposits.
Regulatory departments at all levels should pay close attention to changes in the deposit business of small and medium-sized banks within their jurisdictions, increase regulatory inspections, take strong regulatory measures, resolutely correct violations in the deposit business of local small and medium-sized banks, and protect the legitimate rights and interests of financial consumers.
The China Banking and Insurance Regulatory Commission reminds financial consumers to enhance their awareness of risk prevention when handling deposit business, pay attention to factors such as whether the business channel is legal and whether the interest rate level is reasonable, do not entrust others to handle deposit business at will, and do not be tempted by high interest rates, and protect your own "Money bag".
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