The punishment of loan timing is based on the bank's financial data and management supervision system. Banks are also a kind of national enterprises, and there are also profit and loss problem. Bank timing generally appears in the middle and late of each month, the middle and late of each quarter and the end of each year. After timing, the bank's financial data will lose its rigor, there will be false data mixed in, and there will be problems in the management and supervision system, which can be used as the punishment basis for loan timing.

1. What is an offset point and why should it be offset?

The so-called rush point means that in the middle and late of each month, banks will continue to issue short-term loans for a period of time to rush their performance when their performance is not up to standard. The difference between banks and other enterprises is that banks make profits by issuing loans to the society, while other enterprises mainly make profits by selling their own products. As an enterprise, the good monthly performance of the bank shows that its operation is at a high level, and its reputation in the society has also improved, and it will also be compared with other banks in the same industry.

Second, the advantages and disadvantages of the impact point and its influence

It has become a very common phenomenon in the banking industry, because in order to achieve the target, banks will suddenly issue short-term loans in the middle and late of each month, the middle and late of each quarter and the end of each year, because short-term loans have a short recovery time and a large number. However, this kind of lending method reduces the income of loans, damages the interests of banks to a certain extent, and increases the risks of banks themselves, because there are false data every month. The existence of these false data will affect the annual income assessment of banks, so the overtime phenomenon should be curbed and the normal operation of banks should become the most important issue now.

Third, the emergence of new laws and regulations has limited the temporal changes of banks.

Faced with the phenomenon of time shift of banks, China Banking Regulatory Commission issued new constraints to reduce the phenomenon of time shift. The new restriction stipulates that banks can't set assessment indicators such as the size of deposits at the time of hedging, and the deviation between the deposits on the last day of the month and the daily average deposits of this month can't exceed 3%. After the emergence of this new constraint, banks have also made corresponding adjustments, changing the previous month-end hedging assessment into daily average deposit assessment, which greatly reduced the phenomenon of bank hedging, but it could not be completely eliminated.