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据报内地监管规范银行揽存 不得与第三方互联网平台合作吸存款
阿思达克 12-28 07:07
据《上海证券报》获得一份华东地区某银保监局於12月24日下发的《关於进一步规范辖内存款市场若干问题的通知》显示,该局明确要求辖内各类型银行机构不得通过第三方互联网平台或与其他第三方中介合作的方式吸收存款,已经开展合作的,即日起下架相关存款产品,终止合作。

通知显示,该银保监局在日常监管中发现,今年下半年以来,非理性揽存现象抬头,干扰区域存款市场秩序,推高负债端成本,加剧银行自身负债结构的脆弱性和流动性管理压力,影响货币政策传导有效性。

为规范辖内存款市场秩序,引导银行业稳健经营、服务实体,特针对当前突出的四类存款乱象,该局提出「治理结构性存款乱象,回归业务本质」、「治理各类创新存款乱象,规范定价计息」、「治理以贷转存、以票引存乱象,严防资金空转」以及「治理存款组织乱象,净化营销环境」四点监管要求。

在治理结构性存款乱象方面,通知要求要严格落实有关结构性存款发行资质、产品设计、风险管理,销售管理、信息披露、会计核算、资本计量等方面的监管规定。

在治理各类「创新」存款乱象方面,通知要求,要严格执行存款利率和计结息管理有关规定,依法依规计付存款利息,不得对未约定期限的保证金存款,定期存款提前支取部分靠档计息或仍按原定期期限计息,不得通过缩短利息支付周期、发放加息券、现金奖励等方式变相提高存欺产品利率。

通知还明确要求,不得通过「存款拼团」等方式变相突破大额存单起购门槛。要加快推进各类不规范「创新」存款产品的整改工作,相关产品暂停发售,宣传展示同步清理下架,存量业务稳妥有序退出。(ta/k) ~

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