It's true, because most commercial banks are hardly short of deposits now. At present, the most important task facing many banks is to worry about how to lend safely. It is more important for banks to borrow money safely. If they can't lend with a lot of deposits, then the bank will really go bankrupt. Banks have to pay depositors a certain amount of interest when withdrawing money. Then, lend the money at a higher interest rate. Banks use the income with this interest difference to pay the interest of depositors, as well as pay salaries and various treatments to employees. For example. For example, a branch has a deposit of 1 100 million yuan, and it has to pay interest of 3 million yuan to depositors every year. Then there is the annual salary of employees, as well as various welfare benefits, plus rent, utilities, property fees and so on. , add up to 654.38+0 million. Banks must earn more than 4 million this year, otherwise they will be operating at a loss.

There are many ways for banks to make profits. Selling wealth management, funds and insurance on weekdays are not small expenses. However, the interest charged from loans is the bulk of the bank's profits. If the income from other channels is 6.5438+0 million, the loan interest income cannot be less than 3 million. Assuming that the loan interest rate is 5.0%, banks must guarantee at least 60 million yuan in healthy loans to earn 3 million yuan more a year. If you only borrow 50 million yuan, the loan income is only 2.5 million yuan. The money earned by banks, without much cost, will fall into a business crisis. For state-owned banks, there are many investment channels, which may have little impact. But for some banks with relatively small strength, if they can't make ends meet for a long time, there is a risk of bankruptcy.

What kind of contradiction are we facing now? Many people who need a loan can't get a loan in the bank. And banks can't find customers who can lend. Why is this happening? Because loans are easy, healthy lending is difficult. Bank loans need to meet certain conditions: first, credit review. Anyone with credit problems will basically bid farewell to loans in this life. Then the bank will also examine the applicant's repayment ability. Finally, collateral is needed. Just like many people borrow money to buy a house, in fact, your house is collateral. The house belongs to the bank until the loan is paid off.

Among 100 customers, only a few customers can meet the requirements of bank loans. Why should bank lending be so strict? Because it is easy to lend money, but if the money can't be collected, it will be a big problem. The bank's bad debt rate must be guaranteed within a certain value. If the bad debt rate exceeds the standard, banks will have operational risks. If you lend money to others and others don't pay it back, it's your own money loss. But the money lent by the bank belongs to the depositors. If you can't get it back, the consequences will be very serious. Banks have to rely on loans to earn income, but lending is a more serious matter. If you can put it out, you can get it back. Therefore, for many banks now, there is no shortage of deposits, and the trouble is how to lend safely.