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Notice of the General Office of the China Banking Regulatory Commission, the General Office of the Ministry of Finance and the General Office of the People's Bank of China on Matters concerning Strengthening the Administration of Deposit Deviation Degree of Commercial Banks | | 中国银监会办公厅、财政部办公厅、人民银行办公厅关于加强商业银行存款偏离度管理有关事项的通知 |
| (No. 236 [2014] of the General Office of the China Banking Regulatory Commission) | | （银监办发〔2014〕236号） |
| All local offices of the China Banking Regulatory Commission (“CBRC”); the public finance departments (bureaus) of all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; the Financial Bureau of Xinjiang Production and Construction Corps; the Shanghai Head Office of the People's Bank of China (“PBC”), all branches and business management departments of the PBC, and all central sub-branches of the PBC in capital cities of provinces (or autonomous regions) and sub-provincial cities; all state-owned commercial banks and joint-stock commercial banks; Postal Savings Bank of China; and all provincial rural credit cooperative unions: | | 各银监局，各省、自治区、直辖市、计划单列市财政厅（局），新疆生产建设兵团财务局，中国人民银行上海总部、各分行、营业管理部、各省会（首府）城市中心支行、各副省级城市中心支行，各国有商业银行、股份制商业银行，邮储银行，各省级农村信用联社： |
| To implement the relevant requirements of the Guiding Opinions of the General Office of the State Council on Taking Various Measures Simultaneously to Focus on Alleviating the Problem of High Cost of Corporate Financing (No. 39 [2014] of the General Office of the State Council), provide guidance for commercial banks to improve performance assessment rules, set up deposit deviation degree indicators, restrain the conduct of “attracting deposits up to certain amount by a point of time,” effectively prevent and control risks, and promote the standard and sound development of the relevant businesses, you are hereby notified of the relevant matters as follows: | | 为贯彻落实《国务院办公厅关于多措并举着力缓解企业融资成本高问题的指导意见》（国办发〔2014〕39号）有关要求，指导商业银行改进绩效考评制度，设立存款偏离度指标，约束存款“冲时点”行为，有效防范和控制风险，促进相关业务规范健康发展，现就有关事项通知如下： |
| I. Commercial banks shall improve performance assessment systems, enhance the performance assessment administration of branch offices, reasonably assign assessment tasks, and restrain the conduct of “attracting deposits up to certain amount by a point of time” from the source. No commercial bank shall set up time-point deposit scale assessment indicators, or set up assessment indicators only with the requirements of deposit market share or rank, and no branch office shall raise assessment standards and the relevant indicator requirements level by level. | | 一、商业银行应完善绩效考核评价体系，加强对分支机构的绩效考评管理，合理分解考评任务，从根源上约束存款“冲时点”行为。商业银行不得设立时点性存款规模考评指标，不得设定单纯以存款市场份额或排名为要求的考评指标，分支机构不得层层加码提高考评标准及相关指标要求。 |
| II. No commercial bank shall take any of the following means to attract deposits in violation of any regulation or falsely increase deposits: | | 二、商业银行不得采取以下手段违规吸收和虚假增加存款： |
| (1) Attracting deposits at high interest rates. The deposit interest rate or high interest rate set is raised without approval in violation of any provision; or an additional account is set up to pay the high interest rate of a deposit account. | | （一）高息揽储吸存。违反规定擅自提高存款利率或高套利率档次；另设专门账户支付存款户高息。 |
| (2) Attracting deposits through offering kickbacks in an illegal manner. Deposits are attracted through returning cash or negotiable securities, offering tangible gifts, or any other improper means. | | （二）非法返利吸存。通过返还现金或有价证券、赠送实物等不正当手段吸收存款。 |
| (3) Attracting deposits through the third-party intermediary agencies. Deposits are attracted through individuals, institutions, or other third-party fund intermediaries. | | （三）通过第三方中介吸存。通过个人或机构等第三方资金中介吸收存款。 |
| ．．．．．． | | ．．．．．． |
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