Will private banks that keep "absorbing deposits with high interest rates" suffer serious operating losses, and are their deposits safe?

The interest rate of private banks to absorb deposits is so much higher than that of state-owned banks, will it lead to the phenomenon of making ends meet and generating operating losses, which may lead to bank closure?

These depositors' concerns are not unreasonable. In recent years, these private banks newly established by zui have indeed experienced operating losses!

There are also newly established private banks, with a loss of nearly 100 million!

According to the data of 20 17 annual report, Blue Ocean Bank, headquartered in Shandong Province, achieved a net profit of 98 million yuan in 20 17.

New Network Bank lost 20 17 years1700,000 yuan.

Suning Bank from "Suning Department" in Jiangsu achieved profit in 20 17 years, but the profit was only189,000 yuan.

Why do private banks suffer big losses?

In the eyes of citizens' depositors, opening a bank is a sure-fire business. How can private banks have an operating loss of 100 million yuan?

The main reason is that there will be a lot of operating costs in the early stage of bank opening, such as recruiting employees, building servers, renting and decorating office space and business outlets, purchasing office equipment and office supplies, and various publicity and promotion expenses.

The deposit scale and loan industry of private banks are relatively small, which leads to low deposit-loan spread income and various fee income.

At present, the management strategy of private banks is: deposit and loan interest rates are "double high"

The losses of private banks mainly appeared in the initial stage of opening, and then gradually turned losses into profits.

Although the deposit interest rate of private banks is much higher than that of state-owned banks, banks are not selfless charities that lose money in business. The wool is on the sheep!

The main profit source of commercial bank zui is "interest margin". While raising the deposit interest rate, private banks have also greatly raised the loan interest rate, ensuring that they can obtain rich interest margin income.

The Law on Commercial Banks and the Regulations on Deposit Insurance guarantee the safety of depositors' funds.

At present, all registered commercial banks in China operate under the strict supervision of the State Council Banking Regulatory Commission.

According to Article 64 of People's Republic of China (PRC) Commercial Bank Law, when a commercial bank may have a credit crisis, people

The People's Bank of China will take over this commercial bank to protect the interests of depositors.

China's Deposit Insurance Regulations, which was implemented in 20 15, is a deposit insurance system that fully pays the principal and interest of deposits of 500,000 yuan or less.