Near the end of the month, the bank Lanchu crazy. "Save 100 million a day, now back to 3,000 yuan, equivalent to 3% interest rate." "50 million deposit for one year deposit interest rate benefits based on a standard double, equivalent to 2.5 percentage points more to get." Recently, many people continue to receive storage to such a message, or reminder.
Analysis of the industry, saving a big move in October, which caused many sharp drop in bank deposits, bank reserve ratio recently raised again, the bank funds available is "stretched", and many joint-stock banks and city commercial banks began to high-priced "buy deposits "This is an open secret in the industry.
50 million with an initial deposit, keep the more "rebate" the higher
Stock market correction, Hangzhou, Chan decided to withdraw from the margin account a few days ago out of the 50 million transfer of money, want to stabilize key points of investment. Helpless, fixed wealth management income is too low, some unwilling Chan.
Friend: "You better go save the small banks, income guarantee to make you satisfied. A while back I had to keep one-year return 4.75%, may now be even higher." Friend gave Chan a phone number, so that her own investment company with an intermediary contact.
"50 million cases of survival, one-year return of 2.5% per annum in the existing bank on the basis of give you another 2.5 percentage points, on the spot. However, you have to ensure that the deposit must be kept on the year." Ms Chan and the digital Dell Inspiron Mini 910 Battery connected to the head, the other gives such a benefit.
"2.5 percentage points too low, can give points?" The reporter asked.
"Large amounts of additional points that I can, if it is 100 million, will give you 2.7 percentage points." Each other very simply.
Ms Chan said, the current available funds on hand for these. "Specifically how does it work?" Chan Some do not trust.
"You put the money ready, we set up a time, in front of a bank Fengqi Road Connector."
10 o'clock yesterday morning the two sides agreed to meet.
Connected to the head, the other inspired Chan operation. "You go in, go directly to the network about the money in, and then counter that with the money in a loan officer to remember the name, count his mandate on the line. A deposit of money, you get tickets to copy CDs or small one, and then write in the blank space within a year does not promise to withdraw the word, and sign your name and date of this copy to me on the line. "
Inspired by each other, Ms. Chen will soon run procedures, then the copy to the intermediary.
Intermediary is pretty straightforward, immediately took out an additional 2.5 percentage points, that is 12,500 yuan in cash, "according to requirements, we have to hit your card, you'd better bank card reported to me."
Chan told the bank card account the intermediaries, intermediaries entered the bank, the money into the account. A few minutes later, Ms. Chen received message: "You tail number 4 × × × card 10:08 minutes into the 12,500 yuan."
Following the transaction, Ms. Chen could not help but ask, "You just have to help pull this bank deposit ah?
"Several do." Intermediaries breath reported the names of several banks, "however, is still the high point of the bank rebates." Intermediary said, "Do you have relatives and friends want to deposit, introduced over the good, and very safe. "
End of the month, deposits from large banks to small banks "day trip"
"This is not too high, some banks in order to impulse, 31 of each month this day, given the daily three thousandths of interest, that is, you have 100 million in cash, as long as the deposit the day, the bank will give you 3,000 return, some to the cash, some Dell Inspiron 8600 Battery to the supermarket. "Yesterday, when reporters talk about the examples Ms. Chen, a state-owned banks finance the VIP Room Leader admitted.
The official said the end of "buy deposits" in banks is an open secret that some small banks give high yield, making bank deposits at the end of the beginning each time to move, "most of the large banks to flow from our small banks Some of our large customers to small banks to do at this time deposits will be day trips. "
Mr. Zhou is a bank customer, he has been playing a million new money left in the first half, he was a joint-stock banks to mobilize deposits, given the "end save the day, 3,000 rebate," the promise, Mr. Zhou was simply to promised, "one day, have such a high income, I'd love to friends. playing a new revenue can there so high?"
How do I redeem this cost?
"The cash from the account manager directly to the customer, this deposit back only for the current level of more than 100 million individual customers money." Largest high-yield customers, small customers of small gains, and some banks in customer deposits 3 million, 5 million element post, send rice to send oil. The sources said the state-owned bank, the bank deposits of heavy head. There will be a game between the medium and small banks. Half past one will, this phenomenon is difficult to alleviate.
CBRC to solicit depositors high interest rates prohibited
"This year, five times since the central bank raised the statutory deposit reserve ratio, more recently, through open market operations to increase market liquidity and recovery efforts, resulting in most of the bank funds tight. In addition, shares hit earnings this year, ever higher, recently issued new shares rhythm did not slow down near the end of the year there are still issuing new shares, but also took away a lot of money. "Hangzhou, a state-owned commercial bank personal banking department of the relevant official told reporters that this year particularly tense since the surface of bank funds, some banks there no money to loan situation is the main reason for banks at all costs Lanchu.
It is reported that the bank "Lanchu war" had recently been a regulatory investigation, the current number of banks into the "underground", through an intermediary quietly.
Press the big Dell Vostro 1500 Battery
700 billion deposits "move", the bank Lanchu steep pressure
Central Bank recently announced: October RMB deposits increased by 176.9 billion yuan, down 112.8 billion yuan, of which resident deposits by up to 700.3 billion yuan, hit a new low since 2009. So the residents of this scale deposits, in the end is what causes up to 700 billion of deposits and went to there?
Resident deposits in the central bank announced a substantial drop in October after the fourth day of 700.3 billion yuan, the central bank Shanghai headquarters of the Department of the Shanghai region, also made the relevant data. Data show that in October Shanghai RMB deposits significantly reduce the chain, which ring the city than to reduce the savings deposits of RMB 96.89 billion yuan, down 59.94 billion yuan.
The industry said the October bank chain substantially reduced, and the massive outflow of deposits, has its particularity. But the industry also said that in October a large-scale deposits into the stock market, there are some inevitable. First, in October, the Shanghai index rose more than 15%, the biggest increase since January this year. This also led to the transfer of household savings deposits to the stock market's enthusiasm. In addition, CPI index is climbing much higher than deposit rates, to invest in the stock market to avoid capital depreciation, but also a lot of people are about money. For large-scale outflow of bank deposits, the industry expressed deep concern.
Guoxin Securities analyst Qiu Zhicheng, chief financial industry, said: "In fact, because of this deposit to the depositor for the depositor to save money is not going to create much value, so the sequestration capacity for those small weak banks, there may be sequestration of large Dell Inspiron e1505 Battery . "
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