Two, the main reasons for the decline in corporate deposits can be summarized as "three less and one difference":
1, the enterprise capital flow is small. Due to the moderately tight financial policy, the business of enterprises is sluggish, the primitive accumulation of capital is slow, the number is small, and the development potential of enterprises is insufficient, which greatly affects the growth of corporate deposits.
2. The number of corporate current depositors has decreased. In order to attract customers, some financial departments take unfair competition measures, the Agricultural Development Bank and credit cooperatives are separated and decoupled, and several accounts are opened, which makes the number of corporate depositors of Agricultural Bank of China decrease continuously.
3. It is difficult to form derivative deposits due to the small loan increment of ABC credit enterprises. Due to the country's strengthening of the concept of regulation and control, the money is tight, and the Agricultural Bank of China is in short supply of funds. In addition, the enterprise benefit is not good, and the loan use efficiency is poor. Many enterprises can't repay their loans on time, so it is difficult to get loan support, and derivative deposits are relatively reduced.
4. The enterprise has poor operating efficiency and large operating losses. Some products have low scientific and technological content, poor quality, serious backlog and slow withdrawal of funds, which affects corporate deposits.