| Notice by the General Office of the China Banking and Insurance Regulatory Commission and the General Administration Department of the People's Bank of China of Matters concerning the Improvement of the Administration of Deposit Deviation Degree of Commercial Banks | | 中国银行保险监督管理委员会办公厅、中国人民银行办公厅关于完善商业银行存款偏离度管理有关事项的通知 |
| (No. 48 [2018] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发〔2018〕48号） |
| All local offices of the former China Banking Regulatory Commission (“CBRC”); the People's Bank of China (“PBC”) Shanghai Head Office, all branches and operations offices of the PBC and all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all large-scale banks, joint-stock banks and Postal Savings Bank of China; and foreign-funded banks: | | 各银监局，中国人民银行上海总部、各分行、营业管理部、各省会（首府）城市中心支行、各副省级城市中心支行，各大型银行、股份制银行，邮储银行，外资银行： |
| For the purposes of implementing the relevant requirements of the Guiding Opinions of the General Office of the State Council on Taking Various Measures to Jointly Mitigate Enterprises' Problem of High Financing Costs (No. 39 [2014], General Office of the State Council), relevant departments have jointly established relevant rules for strengthening the administration of deposit deviation degree of commercial banks. In consideration of commercial banks' new business operation characteristics and new risk management circumstances, for the purposes of further supervising commercial banks' development in compliance with laws and regulations and effective prevention and control of risks, you are hereby notified of the following matters: | | 为贯彻落实《国务院办公厅关于多措并举着力缓解企业融资成本高问题的指导意见》（国办发〔2014〕39号）有关要求，相关部门联合建立了加强商业银行存款偏离度管理相关制度。结合近年来商业银行业务经营新特点、风险管理新情况，为进一步督导商业银行合规发展、有效防控风险，现将有关事项通知如下： |
| I. Improving the performance evaluation | | 一、改进绩效考评 |
| Commercial banks shall improve the compensation management rules, improve the performance evaluation system, strengthen the basic work of deposits, strengthen the assessment of daily average contribution of deposits, and restrain the conduct of “attracting deposits up to certain amount by a point of time” from the source. Commercial banks shall continue to strengthen the performance evaluation management of branches and rationally decompose the assessment tasks. | | 商业银行应完善薪酬管理制度，改进绩效考评体系，加强存款的基础性工作，强化存款日均贡献考评，从根源上约束存款“冲时点”行为。商业银行应继续加强对分支机构的绩效考评管理，合理分解考评任务。 |
| No commercial bank may set up time-point deposit scale assessment indicators, or set up assessment indicators only with the requirements of deposit market share, rank or interbank comparison, and no branch office may raise assessment standards and the relevant indicator requirements level by level. | | 商业银行不得设立时点性存款规模考评指标，也不得设定以存款市场份额、排名或同业比较为要求的考评指标，分支机构不得层层加码提高考评标准及相关指标要求。 |
| II. Strengthening operation in compliance with laws and regulations | | 二、强化合规经营 |
| Commercial banks shall further regulate the deposit-taking conduct, and shall not take any of the following means to attract deposits in violation of any regulation or falsely increase deposits: | | 商业银行应进一步规范吸收存款行为，不得采取以下手段违规吸收和虚假增加存款： |
| (1) Illegally attracting deposits through offering kickbacks. Deposits are attracted through returning cash or negotiable securities, offering tangible gifts, or any other improper means. | | （一）违规返利吸存。通过返还现金或有价证券、赠送实物等不正当手段吸收存款。 |
| (2) Attracting deposits through the third-party intermediaries. Deposits are attracted through individuals, institutions, or other third-party fund intermediaries. | | （二）通过第三方中介吸存。通过个人或机构等第三方资金中介吸收存款。 |
| (3) Attracting deposits by delaying the payments. The payment of principal and interest on deposits is delayed or rejected by such means as setting unreasonable fund withdrawal and use limits, closing down online banking, and delaying the handling of and returning bills. | | （三）延迟支付吸存。通过设定不合理的取款用款限制、关闭网上银行、压票退票等方式拖延、拒绝支付存款本金和利息。 |
(4) Attracting deposits by converting loans into deposits. The conversion of loan funds into deposits is compulsorily stipulated in clauses or agreed upon through negotiation; deposits are set as the prerequisite for approval and granting of loans; and loans are falsely granted to “dummy accounts” or deposits are falsely increased.
．．．．．． | | （四）以贷转存吸存。强制设定条款或协商约定将贷款资金转为存款；以存款作为审批和发放贷款的前提条件；向“空户”虚假放贷、虚假增存。
．．．．．． |
|
Dear visitor, as a premium member of this database, you will get complete access to all content.Please go premium and get more.
1. To become a premium member, please call 400-810-8266 Ext. 171.
2. Binding to the account with access to this database.
3. Apply for a trial account.
4. To get instant access to a document, you can Pay Amount 【￥300.00】 for your single purchase. | |
您好：您现在要进入的是北大法宝英文库会员专区。
如您是我们英文用户可直接 登录，进入会员专区查询您所需要的信息；如您还不是我们 的英文用户；您可通过网上支付进行单篇购买，支付成功后即可立即查看本篇内容。
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail:info@chinalawinfo.com
|
| | | |
| | | |