First of all, high-interest deposits are an abnormal redistribution of national income. According to the calculation, it is equivalent to digging a dollar from the national bank and redistributing it through the illegal form of high interest rate, resulting in a large loss of state-owned assets, causing huge losses of the national bank and artificially widening the income distribution gap.

Secondly, high interest rates are the chief culprit of financial chaos. In recent years, major financial cases and illegal loans have been caused by high interest rates. High interest rates increase costs, find a way out for high-interest liabilities, or usury, which increases the burden on enterprises; Or illegal investment, the formation of capital precipitation; Or operating outside the company, bringing asset risks; Or cheated, and the borrowed funds cannot be recovered.

Third, high interest rates are the root of financial risks. Long-term high-interest deposits not only affect the quality of assets, cause difficulties in payment, but also impact the operating efficiency, with great risks, endangering the normal operation and survival of banks.

Fourth, high-interest deposits are a "hotbed" for inducing economic cases. Banks with high interest rates often cheat others, ignore the regulations of the People's Bank of China and the China Banking Regulatory Commission, and pay fees to absorb deposits at no cost. Due to the management system of China Bank, major cases are often discovered by superiors. These moths are a high-pressure policy for low-level employees. When they were accused, they threatened to deduct wages and fire employees, and employees felt angry instead of guilty. Things often get out of control before they are exposed.

It is a serious violation of laws and regulations to borrow money at high interest rates, and its harm is obvious. Why are financial institutions afraid of losing money, regardless of cost, and do not hesitate to spend money repeatedly? The reason is that high interest rate is a blatant act of seeking personal gain, which is strongly driven by interests. High interest rates are the self-interest of small groups and even individuals, and the final result is to enrich individuals, ruin the country, ruin banks and enrich themselves with the generosity of the country.

Although the central bank and the China Banking Regulatory Commission have increased penalties, up to now, high-interest deposits have been repeatedly investigated and committed. Why is it difficult to stop high interest rates?

First of all, some bank leaders unilaterally emphasize the important role of deposits. In order to compete for deposits, it is often unrealistic to allocate deposits, and the amount needs to be increased every year, and it should be linked to bonuses and wages. In order to complete their tasks and protect their own interests, all grass-roots departments and cadres and workers do not hesitate to operate illegally and raise deposit interest rates without authorization or in disguise.

Second, banks, as special enterprises dealing in money, should operate in a market economy. However, the "big pot" system of state-owned commercial banks has not been broken, or the state-owned commercial banks have not really realized commercialization. Therefore, the increased costs of grass-roots banks at high interest rates are finally recorded in the accounts of their respective head offices. The bank's profit and loss is a matter for the country, not for me. "Pot rice" always needs to be eaten.

Third, the supervision and punishment of illegal activities of high-interest deposits are quite weak. Even if it is handled, it is often only punished for illegal institutions, and there is no punishment for the perpetrators and related * * *. However, as we all know, violations are man-made and the consequences should be borne by people. If the responsible person and related * * * are not punished as they should be. Penalties come and go to the public, and their own interests are intact. If they are paid, their bonuses are paid and their work is worn out, they will not really play a disciplinary role.

It is precisely because of the above reasons that high interest rates are checked for a while and relaxed for a while; A moment of debauchery, a moment of madness.

Is there really no cure for high interest rate? Not exactly. The author believes that, firstly, it is necessary to cancel the personal assessment mechanism for deposits and prohibit non-business departments from issuing deposit tasks; Second, we must speed up the reform of the financial system, push banks to the market as soon as possible, and establish real commercial banks; The third is to strengthen law enforcement and improve punishment measures. For the high-interest deposit behavior, it is necessary to punish not only the illegal institutions, but also the illegal individuals and related individuals, and even give dismissal and legal punishment. In this way, those who dare to violate the rules will definitely stop at the cliff.

Besides, each of us should be concerned about the legal operation of our bank. When choosing a bank, we should pay attention to whether its operation is standardized, and don't be superstitious about those banks that operate illegally. Each of us should use our own practical actions to maintain financial order and care about deposit safety.