"provincial high interest ah « DavidCadogan.ca Forums

DavidCadogan.ca Forums » DavidCadogan.ca

"provincial high interest ah

(1 post)

Started 10 years ago by olswn275553

Tags:

olswn275553
Member

 High interest Lanchu disguise discount end of the year and the rise New Year's Eve millions of money deposit interest less than 3 days discount of up to 60 000 300 The parties involved can benefit, and therefore regulation is difficult to grasp the core of evidence Just three days to earn 60,000? This can achieve, provided that you have 10 million in cash. A few days ago, a friend told reporters the industry, the year-end "impulse discount" the hottest platform QQ group. Reporters conduct itself in the QQ search labeled "Ningbo discount" on the group, all of a sudden showing financial discount Ningbo impulse exchange, Ningbo discount capital pool, Ningbo discount exchange, Ningbo discount deposits, deposits Ningbo and other groups 17 group discount information in which seven belong to the active group. The largest and most active group was undoubtedly the "Ningbo discount financial impulse exchange" group, to 25 members of its group of 998 people, the number of nearly 400 people online. Reporter since a few days ago to join the group, it has received thousands of pieces of information, fully aware of the bank had kept simmering pull Running more intense. Meanwhile, the reporter also displayed on the phone messages and leaflets received through various channels and done a few years discount business intermediary or savers to exchange, learn some inside the year-end discount Lanchu. Of course,http://verdamilio.info/org/spip.php?article1248/, the reporter clearly know, we've learned, is just the "red volume discount," the tip of the iceberg. □ reporter Li Hua Wu Shuangying [& Nbsp; means Secret & nbsp;] Impulse discount Yunnan, Guangxi and Jiangxi offer large sums of money deposit soared to 6 ‰ -7 ‰ "Liuzhou Rural Credit Cooperatives last 10 million lines, the availability of funds speed links, points high," "Jiangxi four-line impulse mouth, then the individual models, 31 into three, packaged thousand 6, there is no margin, you can check on Paul. Please contact one hand and funds "," Guangxi Nanning RCCs 4 million 27 into two 5.5 "......" Ningbo discount financial impulse exchange "QQ group, which is the financial broker for institutional funds seeking impulse. Impulse discount, discount refers to year-end or when the number of years in the red. Impulse discount is characterized by a short time, popular to say, it is "to make a vote to leave." "There is 345W personal money, I want to participate in the end of the urban impulse welcome appointment contact and communication.", "The existing 320 million of personal funds, 200 million enterprise funds: to do by the end of the impulse National Bank at the end of the impulse hole, started booking, there is a deposit of priority" "a lot of money in one hand and look for impulses hole !!" ...... This is a personal or financial intermediary platform inquiry through the QQ group, trying to find a suitable place for their funds. By a few days removed from the QQ group, known as hand there are hundreds of thousands of funds reporters after opening a small window from time to time with the group Friends of the dialogue, get to know their jargon. For example, there is demand for funds, known as the hole, there is money to be saved is called "find the hole." 'S knot "refers to discount cash immediately after the deposit is completed. "31 into three" "27 into two," difficult to understand,woolrich parka, referring to money out of banking institutions account time. The "package $ 66", "5.5" belongs jargon, the most important discount price tag. For example, the "big four Jiangxi packaged thousand 6" for example, if you have 10 million of funds,tiffany italia, can be agreed "31 into three", you can get benefits in addition to your current bank interest outside ,moncler sito ufficiale, as well as the total price of a one-time discount of 6 ‰ is 60,000. It seems that some banking institutions spent a lot of blood would have to buy deposits, interest is much higher than their original interest. Local bank deposit interest subsidy relatively low number 6 ‰, 5.5 ‰ belong to such a high price tag, and within the group was said to be "special belong to places like Guangxi, Yunnan and Jiangxi opening price, the local is not so high." Reporters in the group made a "30 million in funding to keep local Ningbo, inquiry," Now there are several brokers opened a small window of dialogue with himself. Asking for a long time, the reporter learned that funds 300,000 or less to impulse, 23, the 24th highest out of Ningbo local discount price tag is 2.8 ‰, to the 25th with the decline in interbank interest rates basically at 2.5 ‰ look. Of course, if you have a huge amount of money, then the discount on the high price tag. Of course, the high starting point code corresponding funds are large, five million or even tens of millions started. To the morning of the 26th, it is the last moment of impact, there is such a news release, "as early as the 27th paragraph into account, there are 300 million pairs of Nanning private, the price to $ 17,http://211.86.128.2/gjjl/Review.asp?NewsID=595, with cuts coming through communications." QQ group organized a large-scale intermediary disposable funds of hundreds of millions or even hundreds of million are also possible. Small window open dialogue when there is an intermediary encouraging reporters to put money in the provinces, "provincial high interest ah, saved a lot of people. If you have enough money, then we go to the provinces kept the organization." The question is how past? "We give you tickets in the past." The caller said. Deposit discount After the deposit interest rate of 6 percent real discount Deposit discount refers to deposit in the bank deposits of discount. It is characterized by a long time, not a "one shot deal", the time span is generally more than six months. & Nbsp; Near the end,http://www.pennbranchdc.org/communityforum/discussion/2981154/the-reporter-lu-juan-to-fight-to-phone-calls, deposit discount groups also became active, newspaper boxes in the leaflets, SMS, online forums and so can find their presence. "This deposit risk?" The reporter contacted a financial intermediary in the very fact that deposit discount,http://zazna.com/selection/index.php?item/create_form/1. Ms. Zhang said, as long as customers spend money to designated bank counter, as usual fixed deposit as operating on the line, after a good save her cash discount. Currently 1 million of money, you can get a discount of 2.7%, plus 3.3% of the one-year deposit interest rate, one-year deposit interest actually can reach about 6%. The very fact that, although the discount part of the payment by her hand, but the money is still coming from the bank. She also revealed that her husband,doudoune moncler pas cher, a former bank clerk, so there are some resources in this regard. Reporters later learned that in Yongcheng, the current deposit one million yuan a year, the highest discount section around 2.8%, while according to reports, the discount part of about 2.4% in normal times. Most of the money from the discount lending business out In talking about the time deposit discount price tag, there are several intermediary told reporters stressed that depositors term deposits to get the discount, you must promise not to withdraw their mortgage does not report the loss, if the early extraction, or have to report the loss, mortgages and other acts, this discount They will be withdrawn. So discount party who in the end? "Discount party is a partner bank, is to attract bank deposits, and then lend him," one intermediary Q called "studio" said. Another agency said more bluntly, "Some banks are also in the middle square,http://verdamilio.info/org/spip.php?article906, he pulled into the deposit business together, and put the loan gives the discount business." Reporters also confirmed at practitioners from a bank, in fact, most of the interest subsidy money, eventually companies pay. For example, a company wants to borrow money, but the bank did not credit, you can pay discount fees for the bank pulled into the matching deposit, so he wants to get loans. "This way, companies get a loan, the amount the bank will not be affected." Non-yang discount Ranging from hundreds of millions to more than ten million jointly made by several intermediary Non-yang discount,http://www.democratie-socialisme.org/spip.php?article3522, this concept is relative to the sun for a discount. Features Non sun operation is risky, of course, is accompanied by high yields. You can get a discount after the so-called sunshine discount is handled properly depositors deposit. It is understood that the amount of non-sun discount generally larger, ranging from several hundred million dollars, more than the billions. Individual or single companies not so much money, so a non-subsidized large single sun by a number of multi-agency joint made of each agency may link several households investor, and in order to gain the trust of investors, but also to the discount party the deposit, so that intermediaries have to mobilize funds. It is worth mentioning that the non-sun of discount certificates of deposit, bank certificates of deposit issued to the depositor confirmed that the book, an account will only show a small number of companies or the names of depositors, many small farmers investor's name does not appear. Sunlight generation of non-discount has its special needs, such as a business (projects) need large sums of money, and this demand is unlikely or impossible to achieve in the normal bank loans approved credit line, for banks and enterprises together with the money, Looking for other funds, in the name of all the funds in a bank account and deposited the funds in this account, bank deposit procedures. Where the costs incurred are generally borne by the borrower, such as interest on bank deposits is normal, one-time discount depositors get additional bank's earnings, interest, operating costs, agency costs. Known as very substantial return but risks not check deposit Follow the QQ group released information, the reporter contacted a broker Shandong funds. In his message published in non-sun discount, ranging from 500 million to more than tens of billions, geographical involve Liaoning, Shandong, Zhejiang, Jiangsu and other places. "Non sunshine deposit discount high, money is the existence of their own account, but the money can not be queried." This name broker said, compared sunshine deposit, non-deposit main characteristic is the sun after the deposit, the money can not query, you can not open online banking and so on. Purpose funds, mainly used in the enterprise. "Such deposits can be safe?" The reporter asked. "This you can rest assured that we are all state-owned large banks around the cooperation, if funding problems, these banks must first governor himself unlucky." He said that in the non-sun deposit business, the bank also the role of intermediaries,http://www.ytx2222.com/forum.php?mod=viewthread&tid=145254&fromuid=6761, because the money through a bank to enterprise, more than lend money directly to businesses is much more reassuring. "Banks actually to do with the credibility of a guarantee." Because the non-sun does not enter the bank deposits are generally normal account, uncontrolled credit ratio, and therefore much greater financial risk, it also makes for a substantial deposit returns than non-sun sunshine deposit. "Now the nation's highest Shaanxi, Shandong and other regions, funds deposit discount earnings just a year can reach 15% -16% annualized, Jiangsu, Zhejiang region slightly lower, about 14% -15%." The reporter claimed, hands of twelve millions of dollars, he was not interested. "We generally do have at least 50 million or more, and a small number of us earn some money." [& Nbsp; background investigation & nbsp;] Exceeding deposit discount so popular,http://verdamilio.info/org/spip.php?article1321/? Although these financial discount brokers will form a "sunshine" and "non-sunshine" distinction, in fact, is a disguised increase deposit rates, they are violations. Some of the banking financial institutions, high interest Lanchu very clear is illegal, why participate? This is mainly due to funding constraints, the deposit-loan ratio assessment of pressure, many banks will deposit task completion and job promotion with a bonus linked to the legal concept coupled with weak internal mechanisms, a number of banking staff to embrace the high interest rates discount deposit. "Quite simply, that is, high-yield, interest to the more." QQ group in a "40 million in funding to find discount 'depositors that is directed at the end of the bank need to absorb a lot of money to do when eloquence, 400,louboutin homme,000 Yuan deposit a few days, once the performance was a thousand dollars, such income is quite substantial. The brokers who is keen to this, it is entirely interest dictates, it said that they are drawn into to 0.1 ‰ majority. We still count an account. 6 ‰ above mentioned one-time discount, for example, with 10 million yuan of funds to calculate the deposit bank depositors 3 days (31 into the 3) normal interest portion of 0.35% / 360 × 3 × 1000 = 291.67 yuan ; and the demand side of funds out of the discount was 10 million × 6 ‰ = 6 million is not a small attractive for savers. As the intermediary, contributed 10 million butt of funds, you can get 1000 yuan commission. Who financial brokers who in the end? Intermediary business scope is very wide, when Ningbo savers too risky, do not want to put money to go so far away, they do recommend impulse subsidized local banking institutions. 24 afternoon, a few years to do a good financial broker with reporters quote, "If you have 10 million of funding to the impulse, the price I can give to you 5.8 ‰". "My money in the end is which bank to go to a local store?" For this problem, the answer is always the intermediary did not elaborate, has said, "I do have nine bank", or simply give a city firm or joint-stock banks after the name He said, "Anyway, it is the big banks, the money put in reliable you money ready, determined to keep up, call me, keep with you in the past." "You are employees of the bank?" The reporter asked when the identity and financial brokers, they say "mysterious", said to "have relatives working in the bank," there are vague to say "working on behalf of the bank", others say "We are professional deal with employers, banks, brokerage, discount party relations, mediation lubrication." [& Nbsp; regulatory challenges & nbsp;] December 24 --26 Day is trading peak No less than the electricity business in the busy two-eleven During the interview, QQ group, the forum and fund-raising information display, in order to complete assessment tasks at the end of the deposit, part of banking institutions through various channels, "discount buy deposits" mad impulse can be described as an unprecedented degree. Just three days to earn and conditions as long as you have 10 million in cash. This three days course, non-ordinary day, is "impulse discount" jargon unspecified "31 into three." December 31, 2013 into 2014 January 3 sunrise, obviously, this is the capital impulse cross years ago. In addition, there are a few banking institutions to assume the role of financial intermediaries, and by the company's discount to attract depositors to the bank to deposit money and then lending to businesses. "Discount", by definition, refers to additional benefits beyond the statutory interest subsidy. After accepting a commission funds the demand side, the financial brokers who aggregate information through various channels, the parties of funds, and promote the supply and demand side of the docking, while they pumped into the payment. Because a lot of money designated "27 into two," so 12 24 - It is the 26th of its prime-time work, no less than the electricity business busy dual XI. Of course, the reporter clearly know, we've learned, is just the "red volume discount," the tip of the iceberg. National injunctions prohibiting raise interest rates in disguise Said regulators discovered handled "Discount deposit banking Secret." Interview, the reporter who referred to a number of bank deposit interest subsidies, most people are a closely guarded secret. Part of banking institutions to absorb more deposits than previously presented to statutory interest of depositors bullion, oil cards, supermarket cards, physical or reimbursement of expenses, which has touched the regulatory "red line", while the discount is high interest Lanchu directly Irregularities. China's current system is the central bank to develop the deposit interest rate benchmark interest rate, commercial banks in accordance with the lower interest rate on the deposit interest rate shall be determined by the central bank, as they are allowed to take deposits or disguised to raise deposit interest rates to raise deposit interest rates, unfair competition, severely damaged the financial order is subject to regulatory attack. In February last year, the CBRC issued a "rectification notice does not regulate banking institutions operate", the proposed "seven are not allowed to open four" requirements. Seven are not allowed in the "no loan linked to the" one, requires lending and deposit business should be strictly separated, are not allowed to deposits and loans as the approval preconditions. In addition, the central bank has also been issued "strictly prohibited to solicit depositors high interest rates, the use of improper means to absorb deposits notice" to require financial institutions to strictly implement the provisions of the deposit interest rate of People's Bank of China, is prohibited fees, co storage outside USA, Xichu Award , prizes savings, referral fees, gifts in kind and other items to raise deposit interest rates in disguise. Ningbo banking supervision department told reporters that the discount and other acts solicit depositors, regulators have been taking discovered handled in strict management attitude, people found banking financial institution or bank employees conduct such operations can be made to the bank supervision department complaints . Parties involved Liyijunzhan To grasp the core of the evidence is not easy Reporters found that, because deposit interest subsidy paid links often carried out by a third party intermediary, and bank deposit agency, depositors, SMEs Quartet are all beneficiaries of the funding game, supervision is not easy to grasp the core evidence. "If companies do not absorb funds to a specific population, may be defined as illegal fund-raising, but the discount through a bank deposit, to avoid suspicion of illegal fund-raising." Beijing Wei Heng (Ningbo) law firm lawyers believe Fu Libin, discount deposit mode It can be used to describe the secretive, because depositors and grasp the core of evidence outside the agency generally does not quiet. And in the law, because of the lack of applicable laws, discount deposits hardly be defined as illegal, but he believes that is certainly a breach of regulatory violations, banking regulators can be regulated. In his view, the general public will be used as the discount funds deposits, there are certain risks. "Most of the discount deposits, although the principal in the bank is safe, but the discount section in case of disputes, it is difficult to obtain legal protection." And if the sun is similar to a non-high-risk deposit such deposit, once the capital can not be withdrawn from circulation, breaking the chain of interest because the deposit does not enter the bank account properly. In reality, examples of high interest returns because of greed and not without cause of losing. 2011, Hangzhou had three people believe the high discount because, cheated a 40.5 million yuan of principal. These criminals are often true and false certificates of deposit by substitution, secretly opened the way online banking, mysteriously swept away depositors principal. Comparison of three ways Lanchu Impulse discount time is short, usually is a few days, you can get a discount after the deposit belongs to "earn a ticket to leave." The purpose is years or more by the end of the impulse. Deposit discount is characterized by long time span is generally more than six months. After the deposit can get a discount right away, but can not report the loss of deposit and withdraw their deposits during the period. Deposit final generally lend businesses. Non-yang discount capital requirement to pay part of the deposit in advance the direction of the agency, in order to facilitate attracting him to go under the house. This approach is generally funds, high returns, but because bank deposits are generally not enter normal account, uncontrolled credit ratio, so the financial risk is much greater. (Edit: SN094) 

Posted 10 years ago #

RSS feed for this topic

Reply

You must log in to post.