摘要
变相抬高利率、超范围经营存款业务 ,使存款数据失真 ,加大了存款成本 ,影响了金融秩序的稳定。要改变商业银行单纯考核存款指标的管理模式 ,建立综合效益指标考核办法 ,人民银行应对商业银行网点重新规划 ,国家应组建区域储蓄银行。要从社会、政府部门、人民银行和金融机构自身多层次实施监管。金融监管部门要严格执法 ,健全法规 ,完善存款经营机构主管部门内控制度 ,组织存款金融机构制定存款公约。
Raising interesting rate in disguised form and operating deposit business beyond the business scope may make the statistics into false, expand the cost and disturb the financial order.So we must strengthen the management of deposit market through the following ways: changing the deposit quota assess model,setting up the new assess method according to comprehensive efficiency,reallocating the business net point of the banks, organizing the aerial saving bank and making deposit agreement among banks.
出处
《金融理论与实践》
北大核心
2000年第4期14-15,共2页
Financial Theory and Practice
关键词
存款市场管理
对策研究
中国
商业银行
储蓄业务
deposit market management
assess method
allocation of business net point
law and rule
