| Since its introduction in 2013,the inter-bank deposit certificate has witnessed a rapid growth in our country,which has become one of the key development businesses of joint-stock Banks.But it is precisely this savage growth lack of official supervision and internal management of the Banks themselves,the development path of trade certificates of deposit has deviated from the original starting point,the problems and risks.These include the issue of maturity mismatch,regulatory arbitrage and insufficient liquidity.In order to improve the security of the whole financial system,to crack down on trade certificates of deposit to joint-stock commercial Banks business risk and financial leverage brings systemic financial risk,assets of more than 500 billion yuan of above bank issues within a year of trade certificates of deposit will be in the first quarter of 2018 will be included in macro-prudential assessment system(MPA)to examine the interbank liabilities.This marks the inter-bank deposit business into the era of strong supervision.Shanghai pudong development bank,as a representative of the joint-stock commercial Banks in the necessary based on its trade certificates of deposit business is affected by macro policy analysis to explore the influence of joint stock system bank policy in MPA and improvement measures.SPD bank is not only the issuer of the important inter-bank deposit business,but also the important holder.Shanghai pudong development bank in MPA policy on what specific impact on its own trade certificates of deposit business,how should understand the meaning of MPA policy,in the face of macro policy environment change should be how to improve their management way and so on are representative.Therefore,this article in Shanghai pudong development bank,for example,the analysis of the effect of MPA on joint-stock bank trade certificates of deposit and represented by Shanghai pudong development bank joint-stock Banks should to improve and standardize the perfect their own business... |
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