The villain powerful minister pitted his tech house

Chapter 237 Course Continuation
Generally speaking, the bank's main profit method is to earn the interest rate difference.

The current interest rate arrangement is incorrect.

Interest should be graded: how much for small depositors, how much for medium depositors, and how much for large depositors;
In addition, the gap between loan interest rates and deposit interest rates is low. "

At this time, an official interjected, "Master Inspector, if the loan is too high, there will be fewer people who come to borrow money."

"This question is very good. We will solve it in the second big point, but next time you want to ask a question, please raise your hand first." Teacher Shushu strictly manages classroom discipline,
"The previous interest rate can no longer be used. It is tentatively set at 1.75% for deposit interest and 3.26% for borrowing interest. The final interest rate needs to be strictly calculated. It is a big project, and everyone may need to work overtime in the past few days.

There is also the amount of the deposit reserve to get out to prevent the risk of a run.

Lord Shangshu weakly raised his hand, "Master Inspector, what are the percentages, the amount of reserves, and the risk of a run?"

"This reserve means that the bank cannot use all the money for lending, because if customers suddenly come back to withdraw all their money, there will be a run risk.

In addition, it doesn't matter what the percentage is, just come down and ask. "

Song Shushu quickly skipped over, and then continued, "In addition to the interest rate difference, another way to make money is insurance. Since everyone hasn't even played with interest rates yet, let's not do this for now.

Thirdly, there are handling fees and commissions.

Where do fees and commissions come from?

1. For currency exchange, the currency of more than [-] countries will be charged according to the amount of exchange.

2. Storage fee for large property.

3. Consultation fees, management fees, agency fees, etc. for foreign rich people.

This can be arranged.

Besides that, I found two serious problems.

First, many of the accounts lent out are unfinished.

Loans cannot be borrowed by everyone. We need to conduct a risk assessment on the lender to see whether he is worthy of our loan and how much we can lend him.The bank is not a welfare institution in essence, and the money lent out must be recovered through maximum value preservation.Everyone should remember that the money borrowed is the money of the common people, and we must be responsible for them. Everything is governed by the regulations, otherwise it will not be able to go on.

Second, the division of labor between officials and ordinary staff responsible for the work of the banking profession is not clear.

As a sensitive institution that deals with money all day long, the bank itself is a huge operating machine.Its internal system and division of labor must be fine and accurate, who is responsible for what must be put in place, and work intersections and blank areas should be avoided.

OK, take notes after listening. "

Song Shushu pointed to the crooked words on the small whiteboard and said.

The officials off the field, including Lord Shang Shu, were busy waving their small brushes.

"Let's talk about the second point. Borrowing is the main way for banks to make money. Everyone is worrying about money in the bank but not getting out the loan, right?"

Lord Shangshu stopped writing and nodded quickly, "That's right. Lord Inspector, the way we are thinking now is to open up trade routes."

"Well, this idea is correct." Song Shushu affirmed, "But it's not enough just to open up business routes."

According to the current economy and productivity, banks are actually an advanced product.

"The emergence and development of banks is related to the development of the currency and commodity economy. To make the existence of banks meaningful, we need capital."

Master Shang Shu quickly raised his hand, he has a problem!

(End of this chapter)