近期,审计署京津冀特派办对某信托投资公司进行审计时,发现该公司为了竞争存款客户,采取了一系列不规范的手法吸纳存款,扰乱了国家正常的金融秩序,成为国有资产流失的一大隐患。中国人民银行《金融信托投资机构资产负债比例管理暂行办法》(银发[1994]143号)规定金融信托投资机构可以“吸收企事业单位金额在100万元以上,期限在半年以上的存款。”然而信托投资公司在与商业银行竞争存款客户时并没有太多优势,如信用低,到期支付本金、利息的功能力难以保证:手续繁琐,客户在信托投资公司存款需将本金从开户行转至信托投资公司,到期本息再转回开户行,不如直接在开户行转存定期存款简便。在这种情况下为了能吸引储户,保证吸纳到足够存款,信托投资公司常采取一些措施,迎合储户的不合理要求。其常用手法如下: Recently, when the audit commission of Beijing-Tianjin-Jiuting Prefecture audited a trust and investment company, it found that the company adopted a series of non-standard methods to attract deposits and disrupt the normal financial order of the state and become a loss of state-owned assets in order to compete for deposit customers A big risk. The People’s Bank of China, “Provisional Measures on the Administration of Proportion of Asset-Liability of Financial Trusts and Investment Institutions” (Yin Fa [1994] No. 143) stipulates that financial trust and investment institutions may “absorb deposits of enterprises and institutions in the amount of over 1 million yuan with a term of more than half a year.” However Trust and Investment Company does not have many advantages when competing deposit customers with commercial banks, such as low credit, long-term payment of principal and interest, which can not be guaranteed: the procedure is complicated and the client needs to deposit the principal in the trust and investment company from the bank Go to the trust and investment company, the principal and interest due and then back to the opening bank, it is better to deposit directly at the bank deposit time deposit is simple. Under such circumstances, in order to attract depositors and ensure sufficient deposits, the trust and investment companies often take some measures to cater to the unreasonable demands of depositors. Its common practices are as follows: