Crazy to Save the World War: 1 million deposit 1 days return 3000 yuan

Credit tightening, banks "stretched", the end of the month's frenzied high-priced "buy deposits" near the end of the month, the bank held a bit crazy. "1 million deposit a day, returned to the present 3000 yuan, equivalent to the daily interest rate of 3%." "500,000 deposit a year, the income in the standard deposit rate on the basis of double, equal to take 2.5%."　　Recently, many Shimin have been receiving such messages or reminders.　　Industry analysis, October saving big move, make a lot of bank deposits, and the recent increase in reserve ratio, bank funds are "stretched", many joint-stock banks and City commercial banks began to high prices "buy deposits", which is the industry's open secret. How crazy law 500,000 save a year immediately return now 12500 Yuan stock market adjustment, Hangzhou Ms. Chen decided to temporarily quit, a few days ago from the margin account to turn out 500,000 yuan money, want to do a steady investment.　　Helpless, fixed class financial income is too low, Ms. Chen some unwilling. Friend Introduction: "You might as well deposit to the small bank, the income guarantee satisfies you." One-year earnings of 4.75%, may now be higher.　　The friend gave Ms. Chen a telephone number to contact her with an investment company intermediary. "500,000, one-year earnings on the existing bank 2.5%-year interest rate on the basis of another 2.5% to give you on the spot." However, you have to make sure that the deposit must be kept for a year. "Ms. Chen and the intermediary to the head, the other side gave such a profit." "The amount is bigger I can add more points, if it is 1 million, give you 2.7%." "The other side added," You get the money ready, we make an appointment at a bank at Feng Qi Road.　　The two sides agreed to meet at 10 yesterday morning. After the head, the other side to instruct Ms. Chen operation. Ms. Chen says these are the funds available at the moment. "How exactly?" Ms. Chen is somewhat uneasy. "You go in, directly to the dot to save money, and then with the cabinet said, this money to be recorded in a loan officer name, count his task on the line." After you save the money, you take a certificate of deposit or a small ticket to make a copy, and then in the blank to write a promise within a year not to withdraw the words in advance, and sign your name and date, the copy to me on the line. "In accordance with the other's instructions, Ms. Chen soon to do a good job, then, the copy to the intermediary." To hit your card, you'd better give me the bank card. Ms. Chen told the intermediary about the bank card account, and the broker walked into the bank and put the money into the account.　　A few minutes later, Ms. Chen received a message: "You tail 4xxx card 10:08 into RMB 12500 yuan." After the deal was successful, Ms. Chen couldn't help asking, "Are you helping the bank to pull a deposit?" "Several." "The broker has reported several banks ' names in one breath," but this is still the bank's return point.　　"The intermediary said," You have relatives and friends to deposit, introduced over the good, very safe. Hangzhou Monthly deposit "Day Trip" 1:30 will be difficult to ease "some banks for the impulse, on the 31st of the Month, give 3 per thousand of the day interest, that is to say, you have 1 million cash, as long as the deposit of one day, the bank will return you 3000 yuan, some to cash, some to the supermarket card. "The day before yesterday, the head of a Hangzhou state-owned bank's VIP management room" buy deposits "at the end of the month, the bank has been open to the secret, some small banks to give high returns, so that whenever the month-end bank deposits began to move," mostly from our big banks to small banks, some of our big customers will go to small banks to do a day trip. "　　"The state-owned bank-related sources said that the absorption of deposits is the bank's start, 1:30, this phenomenon is difficult to alleviate." Guangzhou is more than the end of the end of the year end of the end of 5 "November, our most important task is to pull deposits." "A joint-stock bank in Guangzhou, a branch of the vice president said to reporters. A branch of a state-owned bank has told reporters that some small banks have given 3 per cent to clients of more than 10 million of the funds, up to a maximum of 5.　　By the end of the month and the year-end, it's no surprise to return to 5. "Not only do small banks have tight positions, but even big banks are under pressure." A person close to the regulator told reporters. The account manager of a joint-stock bank complained to reporters that last year its savings mission was 10 million, almost doubling this year. He said that gifts, shopping cards and other practices have no new ideas, the most effective way to pull deposits or cash return. The practice is also known as the unspoken rules of the industry, and even security has been launched to participate in pulling deposits. "Although the regulatory authorities now check the LOAN-TO-DEPOSIT ratio is quarterly assessment, but the internal bank is monthly assessment."　　"A joint-stock banker told reporters that since the bank is concerned about the inability to pass the loan-to-deposit ratio, almost all banks value the monthly deposits, and some small and medium-sized banks are starting to examine monthly daily deposits. Shenyang 10,000 Yuan Deposit 1 years to save 50 yuan savers as "deposit" since pay high interest rate this year, the central bank has continuously raised reserve requirements, and some of the bank outlets once the amount used up, no loans can be lent. Do banks need to absorb more deposits to ease the problem? Reporters as depositors of the identity of a number of banks carried out unannounced visits. A bank network management manager told reporters: "The money to save our line in addition to normal interest, 10,000 yuan deposit 1 years can be more than 50 yuan!" The bank has a starting point of $50 for $1 over $10,000, or 1 yuan in the case of 10,000 yuan 5 years, or $50,000, in addition to normal interest. "Most of the bank outlets say," Now deposits can only be charged at interest rates set by the central bank. "But there are individual bank savers who hesitate to reply:" Previously we have rules, deposits a large amount of money to the customer store vouchers.　　You come over and we'll talk.　　A joint-stock Bank of the East Branch staff said: "The bank does not reward, but the staff have a deposit task, in order to complete the task, I can personally pay you ' reward ', but only if the deposit amount of at least 100,000, the deposit period of 1 years ..." The more the Nanjing deposit pulls, the higher the year-end bonus, the loan amountThe more profits the more "by the end of the year, banks do face pressure from deposits. Yesterday, the head of a bank branch in Nanjing said to reporters, on the one hand, pull deposit is to make the branch network this year's performance better look, because the deposit is how many branches each year to examine the branch network of a major indicator, so the more deposits, the year-end prize may be more; On the other hand, if the number of deposits to be absorbed by branch outlets this year The next year, the branch allocated to the network of credit lines will be more, dot the next year's profit will be more.　　So, in addition to the day-to-day business, the recent branch has almost launched all the staff to pull deposits, many of them have incentives.　　For the benefit of the client when pulling deposits, this person admits that it is not a secret, no good who will put the money in vain you here, the bank every year to make a number of policies, this year's policy will soon come down. What's the reason? 700 billion deposit "move" bank to hold the pressure of the central bank recently announced: October yuan deposits increased by 176.9 billion yuan, the year-on-year decrease of 112.8 billion yuan, including the reduction of household deposits up to 700.3 billion yuan, the lowest since 2009.　　So what is the reason for the decline in the size of such a large household deposit, and where is the deposit of up to 700 billion? The central bank's Shanghai headquarters also released data on the Shanghai region on the fourth day of the central bank's announcement of a 700.3 billion yuan drop in household deposits in October.　　The data show that October Shanghai yuan deposits significantly reduced, of which the city's renminbi savings deposits decreased by 96.89 billion yuan, the year-on-year decrease of 59.94 billion yuan. Industry insiders said that October bank deposits significantly reduced, as well as large-scale outflow of deposits, there is its particularity, the CPI index has greatly exceeded the deposit rate, the stock market to circumvent the devaluation of funds, but also a lot of people are now the concept of financial management. Also has the industry analysis, some deposits may flow to the gold market, because gold recently rose also good, and the end of the year, there are some funds used to hoard goods.　　The industry has expressed deep concern about the massive outflow of deposits from banks. Chichicheng, chief analyst at the Securities and finance industry, said: "Because this deposit allows savers to save money in fact will not create a lot of value for savers, so for those who have weak absorption capacity of small and medium-sized banks, there may be a relatively large pressure to absorb."　　"Although the Central Economic Work conference will be held in early December, the tone of monetary policy and the overall goal of the money supply next year will be clear, but now it appears that credit tightening has reached a basic consensus." Six kinds of high interest deposit the CBRC has banned the bank's "high interest Reserve" in September this year, China Banking Regulatory Commission has strictly checked a group of commercial banks and individuals illegally, and six banks have been investigated. The Banking Regulatory Commission will investigate and punish the illegal behavior of the store: raise the interest rate without authorization, take the signal high interest rate, put the premium, save, or reimbursement of other business fees, gifts in kind, cash and securities, provide domestic tourism, pay the customer's children's entrance fee, arrange relative employment, etc.To increase the interest rate in disguise, to pay the deposit intermediary fees, deposit, fees and other improper fees, such as credit card, purchase financial products, etc. to return cash, gifts or shopping cards to customers.