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 . "
2010年10月31日星期日
Rural development in rural Henan, the name of the new development of housing violations
According to Voice of "news aspect," reported recently, with the voice of the audience to reflect the new city in Henan province village temple zhucun curved beams, the new rural construction projects - Fu Yu Village community openly cultivated land, built the house not only the people can buy the temple zhucun, most houses also sold at the price of real estate in Zhengzhou people. Voice of China Liu Li rushed to the press conducted a survey of the new secret interview.
Zhengzhou city from less than one hour by car, you can reach the new city the temple town Zhucun curved beams. Villagers reported the new rural construction projects - Fu Yu Village is 9 6 layers small building, very conspicuous. 9 buildings not only a cap, the rest mostly have been completed, construction workers were painting the facade of the air. A villager surnamed Zhu told reporters that opened last year, residential construction, completed by the end of this year commitment. Reporter: "This is what accounts for land?"
Chus villagers: "arable land. This is I was kind of the way. In front of vegetables, followed by species of something else."
小朱 told reporters, Fu Yu Village is the name of the construction of new countryside construction, the temple is occupied by three groups of villagers zhucun land, their home of four people in the land have been occupied Fuyu Village project. Villagers confirmed his cattle aunt saying:
"I are the team, accounting for over, that is in front of that one."
Villagers told reporters that the occupied land, the village made by the head to give them housing vouchers, each with a face value of ten thousand yuan. If the villagers to buy a house Fuyu Village, 800 yuan per square meter, one can use the three housing vouchers, which is offset by 3 million to buy a house. Housing vouchers and movie tickets about the same size, covered in front of developers "blessing of the fields in Henan Properties Limited," the official seal, covered behind the "new city song Zhu Liang village temple town," the official seal.Dell XPS M1730 Battery said, foreigners can buy Fuyu Village house, the price is about twice the price of the village people to buy a house, he was willing to purchase securities sold to foreigners, foreigners can take their places in the house to buy a house cheap This is a mutually beneficial win-win thing.
Chus villagers: "real estate license, he said would be done to make them now do, it is estimated will be accomplishing. I buy a house in my name, and then we two then trade my 30 000 housing vouchers to pay up, you give I have 30,000 of the money properly. 800 yuan a square meter, it can save money better. "according to Temple zhucun villagers said, the temple zhucun new rural communities - Fu Yu Village house, foreigners can purchase, true? what kind of person to buy a house, how many?
Under the guidance of the villagers, the reporter found a "Fuyu Village reception." Fu Yu reception occupied the front row of residential buildings of a village shop, hang out without any identification, roll up the volume only half of the gate, the reporter got into the house and saw a few sand table, hanging on the wall only "Henan The Tian Fu Properties Limited, "the business license. A sales manager surnamed Li introduced himself, 9 residential buildings total more than 400 households, a house now only eighty-seven, and the rest of the house are more than four. Three of the most expensive, 1680 yuan per square meter, four slightly cheaper tens of dollars. Manager Li said that 80% of the back of several buildings were bought in Zhengzhou.
Manager Li: "The estate belongs to the new rural areas, it belongs to the new rural pilot new city, real estate properties ranging from small property which is the middle of this together with the housing, with the Zhengzhou City, the fitness room is similar to being a little better."
Manager Li promised to buy the house Fuyu Village real estate license, and commercial real estate license but slightly different, the house is 70 years of property rights, can be submitted within one year. Speaking of Dell Inspiron 1420 Battery of the land, Manager Li admitted that the temple to build a house using a collective zhucun, he said, the 40 acres of land developers have to the price of 10 million acre bought it because the land cost is low, the house price of natural is not high.
Manager Li: "It does not belong to the village, it was not rented, it is sold, 10 million dollars an acre of land, covering this one is just to give it room to add a certain amount of votes, it is 10 million dollars acre of selling it, not cash, is a 10,000 dollar votes that is equal to holding the ticket and then buy a house, the amount of money or sale of land that the 10 million dollars. "
Manager Li said, buy a house here, in addition to low prices, there are other attractive policy. Curved Beam This is the only village temple zhucun new rural pilot, if bought a house, even if the account is not local, village committees will be awarded honorary villager card, as given by the government be able to enjoy the new rural construction subsidies.
Manager Li: "The new subsidies for rural governments to you all, give subsidies for every household, there are more than 5,000 dollars in cash, as long as the name of the Government is the development of new rural area, you just live in it, whether you are a village or field The external name of the villagers he is to give you a subsidy. account is not, the village made you an honorary villager cards are the same. "building of new countryside is to improve the living conditions of farmers in the project planning, land use nature and so there are stringent regulations. Xinmi curved beams of the new rural village temple zhucun cultivated land occupied for construction, but also when the real estate sale, this operation meet the provisions?
New rural construction in Zhengzhou City, Director of the Office MEDICINE AND PHARMACY confirmed to reporters in Zhengzhou City, Temple zhucun indeed the construction of new rural model village. But he clearly is not the peasants living area farmland. MEDICINE AND PHARMACY: "It's resettlement area or in rural areas, land use patterns or the collective construction land, by way of land for house sites."
Reporter: "That land can be used to cover live together district?"
MEDICINE AND PHARMACY: "Dell Inspiron Mini 910 Battery is not allowed."
MEDICINE AND PHARMACY said the center's new residential village, commissioned on behalf of the masses the main building, the general organization and implementation by the village, the villagers received only the construction cost of engineering, construction side earned just construction costs. The nature of new residential land is still the village collectively, does not allow trading, nor the so-called real estate license.
MEDICINE AND PHARMACY: "It is with the city's real estate license real estate are two different things, urban real estate can be traded, collectively built a house on a homestead must not trade, can be inherited, not allowed to trade, this is the biggest difference."
In fact, Fu Yu Village irregularities fact, the local related departments is not entirely unknown. Xinmi City Land Resources Bureau of Homeland monitoring group is responsible for the third squadron of rural land in the curved beam monitoring. Xinmi City Land Bureau official documents to the reporters to produce a clear indication of the curved beam Township Temple zhucun land occupied for construction of new countryside 39,6 acres, of which 30 acres of arable land. Captain Ma Shuguang said that since April last year, the Fuyu Village project, they had issued at least 5 times, "ordered to stop the violations to the notice."
Ma Shuguang: "on our land managers point of view, you do not have procedures must be illegally built, but we are 8 hours of work, carrying a quilt you can not watch them on to the site. Suspension notices issued several times a , I went to him stopped, and I dry them on a walk. construction workers, particularly on the more you look, they pushed to push to the Dell Inspiron 8600 Battery or village, but we notice under the order, say something, then We have fulfilled responsibilities as finished. "
Ma Shuguang said that now they can do is report the matter to the new secret government, the time from now, a recent report in July this year.
Ma Shuguang: "Logically he should have received a notice to stop, not stop, at least I have as a, as I reported the municipal government, let the township government to fulfill their duties, the Government has the power to remove or how it was This is the Government's behavior. "
Flagrant violation of new construction projects in rural farmland really can not control it? The name of building a new countryside construction, when the real estate sale, who gave the green light for developers? Subsidies for new rural construction can actually buy a Dell Vostro 1500 Battery in the city issued people? China will continue to voice concern.
Zhengzhou city from less than one hour by car, you can reach the new city the temple town Zhucun curved beams. Villagers reported the new rural construction projects - Fu Yu Village is 9 6 layers small building, very conspicuous. 9 buildings not only a cap, the rest mostly have been completed, construction workers were painting the facade of the air. A villager surnamed Zhu told reporters that opened last year, residential construction, completed by the end of this year commitment. Reporter: "This is what accounts for land?"
Chus villagers: "arable land. This is I was kind of the way. In front of vegetables, followed by species of something else."
小朱 told reporters, Fu Yu Village is the name of the construction of new countryside construction, the temple is occupied by three groups of villagers zhucun land, their home of four people in the land have been occupied Fuyu Village project. Villagers confirmed his cattle aunt saying:
"I are the team, accounting for over, that is in front of that one."
Villagers told reporters that the occupied land, the village made by the head to give them housing vouchers, each with a face value of ten thousand yuan. If the villagers to buy a house Fuyu Village, 800 yuan per square meter, one can use the three housing vouchers, which is offset by 3 million to buy a house. Housing vouchers and movie tickets about the same size, covered in front of developers "blessing of the fields in Henan Properties Limited," the official seal, covered behind the "new city song Zhu Liang village temple town," the official seal.Dell XPS M1730 Battery said, foreigners can buy Fuyu Village house, the price is about twice the price of the village people to buy a house, he was willing to purchase securities sold to foreigners, foreigners can take their places in the house to buy a house cheap This is a mutually beneficial win-win thing.
Chus villagers: "real estate license, he said would be done to make them now do, it is estimated will be accomplishing. I buy a house in my name, and then we two then trade my 30 000 housing vouchers to pay up, you give I have 30,000 of the money properly. 800 yuan a square meter, it can save money better. "according to Temple zhucun villagers said, the temple zhucun new rural communities - Fu Yu Village house, foreigners can purchase, true? what kind of person to buy a house, how many?
Under the guidance of the villagers, the reporter found a "Fuyu Village reception." Fu Yu reception occupied the front row of residential buildings of a village shop, hang out without any identification, roll up the volume only half of the gate, the reporter got into the house and saw a few sand table, hanging on the wall only "Henan The Tian Fu Properties Limited, "the business license. A sales manager surnamed Li introduced himself, 9 residential buildings total more than 400 households, a house now only eighty-seven, and the rest of the house are more than four. Three of the most expensive, 1680 yuan per square meter, four slightly cheaper tens of dollars. Manager Li said that 80% of the back of several buildings were bought in Zhengzhou.
Manager Li: "The estate belongs to the new rural areas, it belongs to the new rural pilot new city, real estate properties ranging from small property which is the middle of this together with the housing, with the Zhengzhou City, the fitness room is similar to being a little better."
Manager Li promised to buy the house Fuyu Village real estate license, and commercial real estate license but slightly different, the house is 70 years of property rights, can be submitted within one year. Speaking of Dell Inspiron 1420 Battery of the land, Manager Li admitted that the temple to build a house using a collective zhucun, he said, the 40 acres of land developers have to the price of 10 million acre bought it because the land cost is low, the house price of natural is not high.
Manager Li: "It does not belong to the village, it was not rented, it is sold, 10 million dollars an acre of land, covering this one is just to give it room to add a certain amount of votes, it is 10 million dollars acre of selling it, not cash, is a 10,000 dollar votes that is equal to holding the ticket and then buy a house, the amount of money or sale of land that the 10 million dollars. "
Manager Li said, buy a house here, in addition to low prices, there are other attractive policy. Curved Beam This is the only village temple zhucun new rural pilot, if bought a house, even if the account is not local, village committees will be awarded honorary villager card, as given by the government be able to enjoy the new rural construction subsidies.
Manager Li: "The new subsidies for rural governments to you all, give subsidies for every household, there are more than 5,000 dollars in cash, as long as the name of the Government is the development of new rural area, you just live in it, whether you are a village or field The external name of the villagers he is to give you a subsidy. account is not, the village made you an honorary villager cards are the same. "building of new countryside is to improve the living conditions of farmers in the project planning, land use nature and so there are stringent regulations. Xinmi curved beams of the new rural village temple zhucun cultivated land occupied for construction, but also when the real estate sale, this operation meet the provisions?
New rural construction in Zhengzhou City, Director of the Office MEDICINE AND PHARMACY confirmed to reporters in Zhengzhou City, Temple zhucun indeed the construction of new rural model village. But he clearly is not the peasants living area farmland. MEDICINE AND PHARMACY: "It's resettlement area or in rural areas, land use patterns or the collective construction land, by way of land for house sites."
Reporter: "That land can be used to cover live together district?"
MEDICINE AND PHARMACY: "Dell Inspiron Mini 910 Battery is not allowed."
MEDICINE AND PHARMACY said the center's new residential village, commissioned on behalf of the masses the main building, the general organization and implementation by the village, the villagers received only the construction cost of engineering, construction side earned just construction costs. The nature of new residential land is still the village collectively, does not allow trading, nor the so-called real estate license.
MEDICINE AND PHARMACY: "It is with the city's real estate license real estate are two different things, urban real estate can be traded, collectively built a house on a homestead must not trade, can be inherited, not allowed to trade, this is the biggest difference."
In fact, Fu Yu Village irregularities fact, the local related departments is not entirely unknown. Xinmi City Land Resources Bureau of Homeland monitoring group is responsible for the third squadron of rural land in the curved beam monitoring. Xinmi City Land Bureau official documents to the reporters to produce a clear indication of the curved beam Township Temple zhucun land occupied for construction of new countryside 39,6 acres, of which 30 acres of arable land. Captain Ma Shuguang said that since April last year, the Fuyu Village project, they had issued at least 5 times, "ordered to stop the violations to the notice."
Ma Shuguang: "on our land managers point of view, you do not have procedures must be illegally built, but we are 8 hours of work, carrying a quilt you can not watch them on to the site. Suspension notices issued several times a , I went to him stopped, and I dry them on a walk. construction workers, particularly on the more you look, they pushed to push to the Dell Inspiron 8600 Battery or village, but we notice under the order, say something, then We have fulfilled responsibilities as finished. "
Ma Shuguang said that now they can do is report the matter to the new secret government, the time from now, a recent report in July this year.
Ma Shuguang: "Logically he should have received a notice to stop, not stop, at least I have as a, as I reported the municipal government, let the township government to fulfill their duties, the Government has the power to remove or how it was This is the Government's behavior. "
Flagrant violation of new construction projects in rural farmland really can not control it? The name of building a new countryside construction, when the real estate sale, who gave the green light for developers? Subsidies for new rural construction can actually buy a Dell Vostro 1500 Battery in the city issued people? China will continue to voice concern.
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