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随着我国专业银行商业化进程的逐步深化,各金融机构在追求存款总量的同时,纷纷注目存款结构,于是,低成本的资金来源——活期企业存款倍受青睐。各金融机构通过在改善服务手段和内部运作机制上做文章来提高企业存款在存款总量中的比例,这无可非议。但是,有一种现象应引起关注,即金融机构强行要求贷款企业超过正常备付金的需要量(注意这里指的是超过正常备付率,正常备付率一般是贷款余额的5—
With the gradual deepening of the commercialization process of the specialized banks in our country, all financial institutions pay attention to the deposit structure while pursuing the total amount of deposits. Therefore, the low-cost source of funds - current corporate deposits is favored. It is undeniable that financial institutions should improve the proportion of corporate deposits in total deposits by making improvements in the means of service and internal operating mechanisms. However, there is a phenomenon that causes concern that financial institutions force lenders to exceed the normal reserve requirement (note that this refers to exceeding the normal reserve rate, which is normally the 5-