Rebirth capital madman

The main components of the Xiangjiang Bank Association include the Executive Committee, the Advisory Committee, Discipline Committee, Subcommittee, and Project Working Group, the Executive Committee, the highest decision-making and management agency of Xiangjiang Bank Association, and has the right to formulate the Xiangjiang Banking Industry Each business rules.

The implementation committee is divided into twelve members, divided into three permanent members and nine selected members. Three permanent members are Huifeng Bank, Standard Place Bank and Bank of Bank of China. It is not good to say that the strength and background decisions; nine selected members are divided into four Zhizhou Local licenses and five foreign banks representatives.

In these four Xiangjiang local license banks, favorable banks and high-performance banks accounted for a position, which is also a default rule.

The reason is that it is not mysterious. It is the "burden" that Huifeng Bank has hit the "baggage" in order to hold strength to rise too fast, although there is a banknote, but the list of permanent committees is too strong, so And the high-performance bank will take an alternate member to give the Gao Jazz.

This meeting was held within the scope of the Executive Committee of the Xiangjiang Bank Association and the Hong Kong Financial Secretary. After the principle of the banking interest rate, the subtle difference was temporarily put into another topic.

Xiangjiang's economy is hot, and the Hong Kong Government Financial Secretary intends to accept deposit companies from strong rectification, that is, financial companies, start starting.

In 1970, it was a rapid development of the financial company of Xiangjiang. The predecessor of the high-performance bank, the high-yield finance is the tide of the shipping, helping the chords to raise the funds required for many development.

The most significant difference between finance companies and banks is that it is not banks, naturally unconstrained by the banking agreement interest rate, can use high interest to attract deposits.

Accordingly, the depositor is attracted by the various preferential conditions of the finance company, and the money is stored in, and there is no guarantee. The result can only be touched by the finance company to do things. This kind of development like high-yield has become a model of high-performance banks, describes it to Baili pick one, not too exaggerated.

Until 1976, the financial company that blooms everywhere began to attract the attention of the Hong Kong Government, and the Hong Kong Government has formulated the "Regulations on the Deposit Company" and officially incorporate financial companies in the regulatory range.

Specifically, financial companies need to register, become registered to accept deposit companies, the minimum registered capital shall not be less than 5 million yuan, the minimum capital is minimum, less than 2,500,000 yuan, the deposit can not be rejected, 50,000 The public deposits below the yuan shall not absorb.

Once the restrictions such as the launch, the shrimp crab in the finance company will be swept away, and the number of registration accepts deposits is greatly reduced. The banks have a sigh of relief, and the hidden dangers have also been excluded.

However, as Xiangjiang became an international financial center step by step, the finance company rapidly developed and threatened the status of the bank.

The numbers are most descriptive, last year, that is, in 1980, the number of licked banks in Xiangjiang is one hundred and 14, and the number of registered deposits has exceeded three hundred.

There is also more amazing data, which is also the total assets of the Xiangjiang Bank system last year, the proportion of the license bank accounts for 68 percent, and the registration accepts the proportion of the deposit company exceeds 32%; The proportion of customer deposits, the license bank is also only about two-thirds.

It is now in March. This license bank declines, registered to accept the trend of deposit company, still exacerbating, starting to threaten the status of the bank, and then let Hong Kong Government and some banks are deeply uneasy, so they will be subjected to Financial Si Xia Dingji Discuss it at the meeting.

The chords are very thorough, and the finance company is a good tool. It can promote economic development in the hands of good people, falling into the bad egg hands.

In 1976, the Hong Kong Government has been established in 1976. It actually sets a threshold, and the possibility of the A cat can open the financial company. At present, once again present the financial position of the bank status. Companies, almost uncomapose backgrounds are often attached to banks that temporarily not meet the requirements of Xiangjiang Bank's licensed quality, which is equivalent to a variable branch.

For example, the so-called mysterious gold owner of Jia Ning Group - Yumin Finance is the subsidiary of Malaya's state, Yinmin Bank in Xiangjiang.

In fact, it is not a good compensation as a financial company that is strictly regulated. After the upgrade is a good compensation, it has established several registration deposit companies, and even Huifeng. Banks can't help.

Now, the Hong Kong Government thinks that no more curbed the development momentum of the finance company, this year's financial company may be in an autumn autumn with the license bank.

On the basis of registering the deposit company, further strengthen the supervision of the finance company, the high string attitude does not matter, because this does not mean the financial company, while the financial company attached to the Bank, there is a confident that is not eliminated.

Say, as a "entry", or it's fun to see some thresholds, put the peers outside to change your own value.

In addition, the chords also thought of deeper levels, suppressing financial companies, in fact, highlighting the status of the licensed banks, which in turn can control the banking interest rate more effectively.

When I was in my own statement, my chord gave a heart of the Financial Sison, Xia Dingji, and Huifeng Bank, and then said with a significant easier than the previous round of expressive tone: "I think that the existing registration accept deposit company strengthens supervision It is not appropriate to cut, so as not to cause violent impact on the existing banking industry in Xiangjiang. By the basis of registering the deposit company, a higher standard is then separated, such as the license to accept deposit companies. "

"In this way, the banking system of Xiangjiang is divided into three levels, that is, the license company, strict supervision, has a deposit company, relative to the most relaxed registration to accept deposit companies, and these three levels should be the largest Experience the status quo of the banking industry, it is easier to accept. "

"In addition, the government plans to revise" Accept the Deposit Company Ordinance to increase supervision, can consider the status of the "Banking Regulations" while adapting to the company's further outstanding status. "

"For example, overseas registered banks want to apply for one of the assets in Xiangjiang Bank license, qualification requirements, and increase to $ 10 billion."

"Of course, these specific qualification requirements should be revised each year to adapt to the global changing situation in the world."

After listening to the high-string of speech, many bank representatives, including Shen Yu, showed a smile on the face, and the stakeholders can be taken care of as much as possible, of course, but it is good.

It is also very happy to sit in the other side of the other party, and the high string is much higher than the direct banking interest rate than the direct banking industry.