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人行規範結構性存款 保底收益率納入自律管理範圍
阿思達克 03-10 17:07
據《中國證券報》報道,中國人民銀行日前下發《中國人民銀行關於加強存款利率管理的通知》,提出各存款類金融機構應嚴格執行人民銀行存款利率和計結息管理有關規定,按規定要求整改定期存款提前支取靠檔計息等不規範存款「創新」產品。

通知又提到,人行指導市場利率定價自律機制加強存款利率自律管理,並將結構性存款保底收益率納入自律管理範圍。另外,人行將存款類金融機構執行存款利率管理規定和自律要求情況納入宏觀審慎評估(MPA),同時指導市場利率定價自律機制將上述情況納入金融機構合格審慎評估。

結構性存款指商業銀行吸收的嵌入金融衍生產品的存款,通過與利率、匯率、指數等的波動掛鉤或者與某實體的信用情況掛鉤,使存款人在承擔一定風險基礎上獲得相應的收益。

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