1. In order to strengthen the regulation and control of the system, the Head Office's centralized secondary deposit reserve will continue to implement the original ratio in 1994, that is, it will be paid 10% according to the increase of various deposits in the current year (5% for branches in ethnic minority areas). The Head Office will make monthly adjustments according to the increase or decrease of various deposits (including industrial enterprise deposits, material supply and marketing enterprise deposits, foreign-funded enterprise deposits, commercial enterprise deposits, foreign trade enterprise deposits, collective industrial and commercial enterprise deposits, unit time deposits, demand savings deposits, time savings deposits, private individual industrial and commercial deposits, other demand deposits and entrusted deposits) compared with the beginning of the year, and the Head Office will make adjustments on its own initiative within 65,438+00 days after the month.

For the secondary deposit reserve paid by banks, the Head Office pays interest quarterly according to the interbank lending rate.

2. In order to encourage banks to deposit temporary surplus funds and ensure the unified dispatch of credit funds throughout the bank, the Head Office continues to offer time deposit business. The general principle is that the price of funds deposited in branches is higher than the price of funds at interbank lending rate. At present, according to three months, six months, nine months and one year, the monthly interest rates are 8.925‰, 9. 15‰, 9.375‰ and 9.6‰ respectively. Upon maturity, the Head Office will repay the principal and interest together. When the inter-bank interest rate is adjusted in the future, the time deposit interest rate will also be adjusted accordingly.

The funds concentrated by the head office are mainly used for guaranteed payment of the whole bank.