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近年来,随着金融法制化建设的日趋完善,通过中央银行的严格监督管理,金融秩序有了明显好转,金融系统依法经营、稳健经营观念明显增强。但存款秩序混乱问题仍未根本好转。如何稳定和维护存款秩序,成为各级金融机构及社会各界普遍关注的问题。一、存款无序竞争的表现及危害 1、利率执行乱。当前,一些金融机构为了多吸收存款,置国家利率政策和严肃性于不顾,各行其事。有的采用“贴水”招徕顾客;有的擅自开办大额存单或以双整存单代替大额存单;有的擅自
In recent years, as the legal construction of financial affairs has been perfected, the financial order has been significantly improved through the strict supervision and management of the Central Bank. The financial system has been operating according to law and the concept of prudent operation has been obviously enhanced. However, the issue of confusion in deposit order has not fundamentally improved. How to stabilize and maintain the deposit order has become a widespread concern of financial institutions and social sectors at all levels. First, the performance of unordered deposits and the harm 1, the implementation of arbitrary interest rate chaos. At present, some financial institutions do their own thing to absorb deposits and set national interest rate policies and seriousness. Some use “discount” to attract customers; some do not carry out large-scale deposit receipts or double deposit certificates instead of large deposit receipts; some are unauthorized