Current location - Loan Platform Complete Network - Bank loan - my country's RMB deposits have exceeded one hundred billion yuan, and bank money is still tight. Is it because the high interest rates are given to real estate companies or funds?
my country's RMB deposits have exceeded one hundred billion yuan, and bank money is still tight. Is it because the high interest rates are given to real estate companies or funds?

In fact, China's bank money is not nervous at all. What is nervous is the bank's liquid assets, and what is nervous is the bank's credit problem. Those who are nervous about spreading rumors either want to take the opportunity to short the Chinese economy, or they want to take the opportunity to control part of the banking system, or they want the government to increase investment and take advantage of the opportunity to make a fortune. Whether the bank's money is tight depends on two aspects:

1. Whether the bank's investment is stable. The bank's various financial products are basically stable, and the bank's various investment and financing channels are basically smooth. Coupled with the improvement in the stock market in recent days, it shows that the bank's funding has been replenished.

2. Bank deficit problem. The debt and credit crisis of banks are decreasing. On the one hand, some consortiums have injected capital into the banking industry. On the one hand, the debt of the banking industry has been regulated by the state and is being reduced.

As for the real estate companies or funds you mentioned, there is no such phenomenon at all, because bankers will not put their eggs in just one basket. They will combine investments to reduce risks, and in the banking industry There are many profit channels, and the temporary difficulties indicate that the banking industry just has a problem in collecting money. I believe that as long as the business mode is changed, everything will be solved.