1. It is not easy for banks to work in banks on the grounds of absorbing deposits on their behalf. Bank staff should have strong self-protection ability and not be tempted by money. Bank staff must have a strong professional ethics and cannot violate discipline. Those involved in obtaining client funds, regardless of the amount, will be dismissed, and those with large amounts will be handed over to legal institutions and sentenced. As we all know, their behavior violates the rules and regulations of the bank and the laws and regulations of the country. In addition to illegally absorbing deposits, in fact, many bank managers are abusing their powers. Managers neglect their duties in the process of issuing loans. The management did not seriously investigate the repayment ability or credit status of the borrower. After receiving the income, the manager borrows money from the customer without checking the relevant information of the borrower, even if the authenticity of the customer is unknown and has not been approved by the normal channels, it is not a secret.
At present, many banks have such examples. It is not the only problem for commercial banks to return red envelopes to depositors, and this situation is becoming more and more serious. This phenomenon deserves great attention from the regulatory authorities. If it continues to develop, it may lead to the failure of the central bank's monetary policy.
3. It is forbidden for commercial banks to illegally absorb deposits: According to the requirements of the Notice, commercial banks shall not take the following measures to illegally absorb deposits or inflated deposits in the future: illegally rebate deposits. Absorbing deposits by improper means such as returning cash, securities or donations in kind. Through the intervention of a third party. Absorb deposits through third-party financial intermediaries such as individuals or institutions. Deferred payment and deposit. Delay and refuse to pay the deposit principal and interest by setting unreasonable withdrawal and use restrictions, closing online banks, pressing tickets, refunding tickets, etc. Loan deposit. Forcibly set conditions or negotiate to convert loan funds into deposits; Taking deposits as the premise of approving and issuing loans; Virtual loans and virtual deposits increase "empty households". Credit invoices and deposits. With the loan funds as the security deposit, the bank acceptance bill is drawn for discount, and the loan is falsely increased. Deposit through wealth management products. The term structure design of wealth management products is unreasonable. The issuance and maturity time is concentrated in the late of each month, and the financial funds are converted into deposits at key points such as the end of the month and the end of the season. Interbank deposits. Incorporate interbank deposits into general deposit accounts; At the end of the month, the end of the quarter and other key points, the funds deposited by banks such as finance companies are temporarily converted into general corporate deposits, and the deposits are inflated.