存贷款季末“冲时点”：成因、途径与对策  

Expanding the balances of deposit and loan by ending period： channels and adjustment policy

作　　者：徐洪水[1] 

机构地区：[1]浙江大学管理学院

出　　处：《中国货币市场》2012年第12期31-35,共5页China Money

摘　　要：在存款增速趋缓、贷款需求不足的背景下，“季末冲高”现象呈现出新特点。存贷款季末“冲时点”主要由经济波动、考核机制、贷款规模管理、银行报表修饰以及市场竞争压力等因素推动；它主要通过高息获取存款、存贷挂钩、运作理财产品、增加保证金存款以及季末突击放贷等途径实现；“冲时点”对银行经营管理、企业财务成本、货币政策研判、金融监管要求等有较大影响，需采取措施减少或避免“冲时点”现象，以促进银行业务合规稳健发展。Against the background of slower deposit growth and inadequate demand for loans, the phenomenon of last-minute charge for high balance at the end of a quarter presents new features. Maximizing the balances of deposit and loan is usually caused by factors such as economic fluctuations, assessment mechanism, loan scale management, bank statement modification and market competition pressure, and achieved by means of attracting deposits with high interests, linking deposit with loan, operating wealth management products, increasing margin deposits and last-minute loans at the quarter end. The last-minute charge activity carries more significant impacts on banking operations and management, enterprise financial costs, monetary policy analysis and financial regulatory requirements. The measures to reduce or avoid last-minute charge activity are required to facilitate a healthy development of banking business.

关 键 词：存贷款 途径与对策 保证金存款 成因 贷款规模管理 市场竞争压力 银行经营管理 企业财务成本 

分 类 号：F832.2[经济管理—金融学]