據報內地監管規範銀行攬存 不得與第三方互聯網平台合作吸存款
據《上海證券報》獲得一份華東地區某銀保監局於12月24日下發的《關於進一步規範轄內存款市場若干問題的通知》顯示,該局明確要求轄內各類型銀行機構不得通過第三方互聯網平台或與其他第三方中介合作的方式吸收存款,已經開展合作的,即日起下架相關存款產品,終止合作。
通知顯示,該銀保監局在日常監管中發現,今年下半年以來,非理性攬存現象抬頭,干擾區域存款市場秩序,推高負債端成本,加劇銀行自身負債結構的脆弱性和流動性管理壓力,影響貨幣政策傳導有效性。
為規範轄內存款市場秩序,引導銀行業穩健經營、服務實體,特針對當前突出的四類存款亂象,該局提出「治理結構性存款亂象,回歸業務本質」、「治理各類創新存款亂象,規範定價計息」、「治理以貸轉存、以票引存亂象,嚴防資金空轉」以及「治理存款組織亂象,淨化營銷環境」四點監管要求。
在治理結構性存款亂象方面,通知要求要嚴格落實有關結構性存款發行資質、產品設計、風險管理,銷售管理、信息披露、會計覈算、資本計量等方面的監管規定。
在治理各類「創新」存款亂象方面,通知要求,要嚴格執行存款利率和計結息管理有關規定,依法依規計付存款利息,不得對未約定期限的保證金存款,定期存款提前支取部分靠檔計息或仍按原定期期限計息,不得通過縮短利息支付周期、發放加息券、現金獎勵等方式變相提高存欺產品利率。
通知還明確要求,不得通過「存款拼團」等方式變相突破大額存單起購門檻。要加快推進各類不規範「創新」存款產品的整改工作,相關產品暫停發售,宣傳展示同步清理下架,存量業務穩妥有序退出。(ta/k) ~
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