POS machine T+0 business will be hit! The new rules of the central bank are powerful!
The People's Bank of China recently issued a document stating that from 2018, the proportion of deposits paid by institutional customers will increase from about 20% to around 50%.
The specific measures are: 20% of the current centralized deposits will be implemented in January 2018, and will increase by 10% every month from February to April. By April 2018, the centralized deposit ratio will be adjusted to about 50%.
The adjustment of the ratio of the reserve fund will have a certain impact on the liquidity of the payment company's funds. At present, the profit brought by the T0 business to the payment company is considerable!
Although the central bank had previously banned the opening of T0 business to new merchants, it is well known that the actual actual performers are a minority, and most of them are evaded through various disguised ways!
Earlier, the People's Bank of China issued the "Notice on Strengthening Payment Settlement Management to Prevent New Efforts Related to Telecommunication Network Crimes", and the second item in the "Notice", Item 12: Strengthening the settlement management of special merchant funds.
Banks and payment institutions that provide T+0 fund settlement services for special merchants shall strengthen transaction monitoring and risk management for special merchants, and shall not provide T+0 funds for special merchants who have not entered the network for less than 90 days or have continued normal transactions for less than 30 days after entering the network. Settlement service.
From the perspective of non-financial deposits in the current central bank account, the reserve fund is about 500 billion yuan. A 10% increase in the deposit ratio will cause the bank to lose 50 billion liquidity. If the deposit ratio is increased, the bank will pay the deposit. The decline in the base, the bank's liquidity consumption will be less, and the financial side is not disturbed.
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