基层商业银行超额准备金存款日间透支行为值得关注  

Basic unit commercial bank exceeds the quota the reserve fund deposit during the day to overdraw the behavior to be worth paying attention to

作　　者：林敏[1] 

机构地区：[1]黑龙江省中国人民银行鸡西市中心支行,鸡西158100

出　　处：《中国经济与管理科学》2009年第6期118-118,120,共2页Chinese Economy Management Science Magazine

摘　　要：随着支付系统的运行，为加速企业资金周转，提高资金的使用效率起到了积极作用。但由于个别商业银行处于自身利益的考虑，超额准备金存款余额不足，在办理日常支付结算业务中频繁发生透支行为，这不仅影响人民银行正常业务的处理，也影响着他行资金的使用，影响了支付结算业务的正常开展，同时也潜在巨大的支付风险，若不采取有效的措施加以遏制，势必影响我市正常的支付结算秩序。Along with the payment system movement, for the acceleration enterprise turnover of capital,enhanced the fund the use efficiency to get up the positive role. But because the individual commercial bank is in own benefit the consideration,exceeds the quota the reserve fund deposit remaining sum to be insufficient,in handles in the daily payment settlement service to occur frequently overdraws the behavior, not only this affects the People＇s Bank normal service processing, also is affecting his good fund use,has a^fected the payment settlement service normal development, simultaneously also latent huge payment risk,if does not take the effective measure to contaln,will inevitably affect my city normal payment settlement order.

关 键 词：商业银行 超额准备金存款 透支 

分 类 号：F830.33[经济管理—金融学]