What is the deposit margin rate set by the central bank?

Deposit margin, that is, deposit reserve, refers to the deposit reserve prepared by financial institutions to ensure that customers withdraw deposits and fund liquidation needs.

**The reserve requirement ratio is the ratio of the bank's required reserve requirement to its total deposits.

Reserves were meant to be guaranteed to be paid, but they brought an unexpected "by-product" of giving commercial banks the function of creating money.

It can affect the credit expansion ability of financial institutions, thereby indirectly regulating the amount of money. It has now become an important tool of the bank's monetary policy and one of the three traditional monetary policy tools.

To put it simply, that is, every time a bank receives a part of the deposit, it must deposit it in the ** bank as a guarantee according to the deposit reserve ratio set by the state.

Raising the reserve requirement ratio can reduce the total amount of loans available to banks is a kind of contractionary monetary policy.

Reduce the amount of money in the market, curb inflation, and control the scale of investment.

Current Reserve Requirement Ratio: Large Financial Institutions, Small and Medium-sized Financial Institutions.

Large financial institutions.

Small and medium-sized financial institutions.

Legal Analysis: Each bank has a different margin deposit interest rate for each bank. According to the Regulations on the Administration of RMB Interest Rates promulgated by the People's Bank of China in 1999, the margins collected by financial institutions with the approval of the People's Bank of China are settled and interest accrued on the basis of unit deposits.

Margin deposits of an individual nature shall be executed in accordance with the interest rate of savings deposits.

Legal basis: Article 5 of the Provisions on the Administration of RMB Interest Rates The People's Bank of China formulates and adjusts the following interest rates

1) The People's Bank of China's deposit and loan interest rates and rediscount rates for financial institutions;

2) Interest rates on deposits and loans of financial institutions;

3) preferential loan interest rates;

4) Penalty interest rate;

5) Interbank deposit interest rates;

6) the range of interest rate fluctuations;

vii) Miscellaneous.

Legal analysis: Margin deposit is a type of deposit formed by a financial institution that issues a credit instrument with a settlement function for a customer, or provides financing facilities to fulfill relevant obligations according to the contract, and agrees with it to deposit a certain amount of funds into a specific account. In the event of a default by a customer, the commercial bank has the right to directly deduct the deposit in the account to minimize the bank's losses.

Legal basis: Notice of the People's Bank of China on the Issue of Margin Deposit Interest Rate for Bond Forward Transactions in the National Interbank Bond Market

1. For the margin kept by both parties to the transaction, the interest rate shall be implemented according to the policy of liberalizing the interbank deposit interest rate of financial institutions, and the interest rate level and interest payment method shall be determined by the two parties through negotiation.

2. The National Interbank Funding Center or ** Treasury Bond Depository and Clearing Co., Ltd. shall open a special account for the deposit at the local branch of the People's Bank of China in Changwanla, China, and the People's Bank of China shall not calculate and pay interest to the deposit.

1. Interest rate on margin deposits.

Each bank has a different margin deposit rate for each bank. According to the Regulations on the Administration of RMB Interest Rates promulgated by the People's Bank of China in 1999, the margin collected by financial institutions with the approval of the People's Bank of China shall be settled and interest calculated on the basis of unit deposits. Margin deposits of an individual nature shall be executed in accordance with the interest rate of savings deposits.

2. The operation process of the margin deposit business.

1. Account opening and deposit.

Each agency receives two copies of the "Deposit Notice of Margin Account Opening" (hereinafter referred to as the "Notice") issued by the relevant business department and the transfer check and transfer bill submitted by the customer, and handles the account opening after review, and uses the "current deposit account opening" or "time deposit account opening" transaction in the core system according to the margin deposit period in the notice, selects "margin deposit product" for "product group", and selects the correct product according to the type of margin**, after the operation is completed, Print the account opening application form in duplicate, affix the accounting seal, and use a copy of the account opening application form and the transfer bill as the accounting voucher, and the notice as an attachment; The transfer cheque is used as a debit voucher, and a copy of the transfer bill is used as a credit voucher for margin customers; A copy of the account opening application form and notification notice and the transfer statement are submitted to the client.

2. Payment. Each agency receives the notice of return of the deposit transfer payment in duplicate issued by the credit department and the relevant departments, and transfers the current margin payment to the customer's deposit account opened in our bank according to the content of the notice. Fill in triplicate special transfer vouchers, use "current withdrawal" transactions, print transfer records, stamp accounting seals, use one special transfer voucher as the debit voucher of the margin account, and the notice as an attachment; A special transfer accounting voucher is used as a credit voucher for the current deposit account; A special transfer credit voucher receipt is handed over to the customer.

3. Closure of accounts. Each agency receives the notice of return of the deposit transfer payment in duplicate issued by the credit department and relevant departments, promptly inquires whether the asset business corresponding to the margin has expired, and after review, transfers the margin payment to the customer's deposit account opened in our bank. Fill in triplicate special transfer accounting vouchers, use "current deposit account cancellation" or "time deposit account cancellation" transactions, print account cancellation records and interest lists, affix accounting seals or attachment seals, one special transfer voucher as the debit voucher of the margin account, one special transfer voucher as the debit voucher of the interest payable account, one special transfer accounting voucher and interest list as the credit voucher of the current deposit account, and one special transfer credit voucher and interest list to the customer.

3. Characteristics of margin deposits.

1. Margin deposits are risk-collateral and cannot be withdrawn freely.

2. Margin deposits are conducive to reducing the operational risks of enterprises, forming bank deposits and low-cost funds, and reducing the risks of banks in credit authorization business.

Margin deposits are risk-collateralized and cannot be withdrawn freely; Margin deposits are conducive to reducing the operational risks of enterprises, forming bank deposits and low-cost funds, and reducing the risks of banks in credit authorization business.

1. How to formulate the measures for the management of enterprise equity investment?

Formulation of the management measures for group equity investment companies:

1. Investment principles.

1. Whether it is conducive to accelerating the company's overall sustained, rapid and coordinated development, and improving its core competitiveness and overall strength;

2. Whether it is conducive to promoting the orderly circulation of property rights and the effective allocation of resources, improving the quality of assets, and accelerating the transformation of enterprise operating mechanisms;

3. Whether it is conducive to preventing business risks, improving investment returns, and maintaining the capital safety of investors;

4. Whether it is conducive to standardizing the operation in accordance with the law, improving work efficiency, and implementing management responsibilities.

2. Investment requirements.

The direction of foreign investment has a considerable scale, is suitable for overall operation, and is an investment of great strategic significance to the development of the company's main business. Investments that are related to the company's main business and have a significant impact on its subsidiaries.

3. Equity disposal.

The disposal of the equity of the enterprise group and its subsidiaries shall be approved by the board of directors of the enterprise group. The disposal of equity shall be subject to legal procedures in accordance with the Company Law and other relevant laws and regulations.

2. What is the accounting treatment of the parent company's wholly-owned subsidiary.

Borrow: Long-term equity investment.

Credit: Silver Bridge Auction Bank deposits, etc.

Long-term equity investment refers to the acquisition of shares of the investee through investment. An enterprise's equity investment in other entities is usually regarded as long-term holding, and through equity investment to achieve control over the investee, or exert significant influence on the investee, or to establish a close relationship with the investee, so as to diversify the operational risk.

The accounting treatment of subsidiaries is as follows:

Borrowing: Bank deposits (fixed assets, intangible assets).

Credit: paid-up capital.

3. The significance of treasury bond repurchase.

1. The development of treasury bond repurchase transactions is conducive to improving the liquidity of treasury bonds. When the holder of treasury bonds needs funds, but believes that the return of holding treasury bonds is high, and is unwilling to transfer his ownership permanently, he can use treasury bond repurchase to inject funds without giving up the ownership of treasury bonds.

2. The development of bond repurchase transactions is conducive to the development of the primary market of treasury bonds. The existence of repo business increases the liquidity of treasury bonds, reduces the risk of holders, and increases the attractiveness of treasury bonds.

3. The development of treasury bond repurchase transactions has a positive effect on the marketization of interest rates. The repo rate is the cost of financing for the fundraiser and the yield for the fundraiser, which is the result of open bidding between the two parties and reflects the supply and demand of funds in the market.

4. The development of treasury bond repurchase transactions provides a tool for the open market business operation of ** banks.

The central bank's reserve requirement ratio fell by one percentage point compared with before the adjustment; For small and medium-sized financial institutions, the adjusted central bank's reserve requirement ratio is 15%, down one percentage point from 16% before the adjustment. ** By lowering the reserve requirement ratio, banks can further affect the creditworthiness of financial institutions.

1.Ensure the liquidity of funds of depository monetary institutions such as commercial banks. When some banks have a liquidity crisis, they have the ability to bail out these banks and help them recover liquidity by providing short-term credit.

2. Concentrate on the use of a part of the credit funds. This is the "lender of last resort" responsibility of the bank as a bank, and can also provide rediscounting to financial institutions.

3. Adjust the total supply of Xiangxiang coins. If the bank absorbs 1,000 yuan in deposits, and the deposit reserve ratio is 10%, then the maximum amount that the bank can use for investment in the same period is 900 yuan, and 100 yuan of reserves must be stored in the account designated by the central bank; One of the roles of the reserve requirement is to prevent the risk of a run, and now it has been put to good use and has become one of the tools to curb investment.

Extended information: 1. Banks can control their own asset scale through open market operations, adjusting the rediscount rate and deposit reserve ratio, so as to directly determine the amount of base money, and then affect the money supply. ** Banks expand or contract credit by adjusting the statutory reserve requirement ratio to increase or decrease the excess reserves of business I, so as to achieve the purpose of monetary policy.

2. According to the market environment at that time, the central bank will adjust the deposit reserve ratio at any time, so the **, credit and other businesses will be affected, and every participant in our economic activities will feel the changes.

3. At present, the reserve ratio of large financial institutions is 13% for small and medium-sized financial institutions. We can see that every time the central bank adjusts reserves** and bank deposit rates, it is an effective means for the country to stabilize the economy.

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