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存在近20年的存贷比指标正式退出银行业监管体系的历史舞台。6月24日,国务院常务会议通过了《中华人民共和国商业银行法修正案(草案)》,删除了贷款余额与存款余额比例不得超过75%的规定,将存贷比由法定监管指标转为流动性监测指标。中国金融改革借此再下一城。取消存贷比的刚性限制乃大势所趋。从负债端角度,“存款立行”已深深扎根于商业银行的经营理念中,拉存款是其业务重心已成不争事实。然而,在外汇占款趋势
The existence of nearly 20 years of deposit and loan ratio indicators officially withdraw from the banking regulatory system of the historical stage. On June 24, the State Council executive meeting approved the “Amendment to the Commercial Bank Law of the People’s Republic of China (Draft)”, deleting the requirement that the ratio of loan balance to deposit balance should not exceed 75%, and changing the deposit-loan ratio from a statutory regulatory indicator to a liquidity Sexual monitoring indicators. China’s financial reform take another city. It is the trend of the times to lift the rigid limit on loan-deposit ratio. From the perspective of the debt side, “deposit standing ” has been deeply rooted in the business philosophy of commercial banks, pulling deposits is the focus of its business has become an indisputable fact. However, trends in foreign exchange take-over