In fact, the decision of the central bank from September 5, demand financial institutions shall be turned over to the grace period for half a year, partial. Therefore, the deposit shall deposit into the scope of the deposit reserve capture puts the influence of liquidity in the imagination of not so big.
Based on bank credit business outside the watch margin deposit, itself was also involved in the currency of credit creation, so will deposit deposit into the deposit reserve the capture of scope, more criticism itself. From commercial banking business risk prevention Angle, customer requirements in the commercial bank deposit deposit, whether need to capture puts the legal deposit reserve, all is a commercial bank micro prudent inevitable choice.
From the capital source see, margin deposit are transformed by general deposit. And general deposit fall, reduce the legal deposit reserve the pay scale, don't remove the existing financial institutions do big margin deposit scale to circumvent the deposit reserve policy constraints in a certain extent possible, which will weaken the legal deposit reserve policy tools of the actual effect.
August 31, morning, the reporter comes to QuanChengLu xinhua bookstore, see long teaching assistant shelf put various kinds of reference books, including teaching materials interpretation, simulation topic, the contest questions, such as types, each DuoGe reference book a subject at least there are more than ten.
"This year the business is good to do." YingXiongShan cultural market has many business teaching assistant materials, opening the bookstore, many operators during the book even high at the entrance of the gate. Stack 31 days afternoon, the reporter interviewed here five or six stores, the situation is not ideal exclamation sales.
"Before and after school a week's rush hour, we also launched a discount even seventy percent discount, but customers do not expected so many." A shopkeeper told reporters, teaching assistant business do it best in five or six years ago, when parents with children often have a circle round, holding a big pile of books out of the scene, but this year the customer pick up far worse than before "bold and unconstrained," it's a sad situation sales.
Therefore, the deposit shall deposit into legal deposit reserve the capture of scope, and gave a long period of time, in fact, is to make up for the current deposit reserve system vulnerabilities.
Overall analysis, simply will deposit reserve new rule, inspect for raised legal deposit reserve rate 1 or 2% of the viewpoint is open to question. In fact, the deposit shall deposit into legal deposit reserve range of regulation, to the market of psychological suggestion to far outweigh the implementation effect of financial market liquidity influence.
The most recent period, developed by state sovereignty, the effects of the credit crisis in global financial markets violent unrest once. From the global economy operation to see, as irritating policy effect, the attenuation of economic operation of the uncertainty in the economy and increasing the risk of descending increased.
The United States unemployment; In August, the euro area consumer confidence fell sharply, the debt crisis continue to spread in Italy and Spain. From domestic look, industrial production decline, the actual consumption growth slowed down, the risk of economic increase. Thus, market and the macro policy relaxed expected and enhanced voice. At this time the central bank on legal deposit reserve new rule by market, interpreting as a macroeconomic regulation and control policy direction invariable, the strength of not loose a signal.
