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宁磊经济理论：进步银行业务（原创首发）
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- 回复 leiningchina
- Progress banking business:
Ever since humans have the banking industry, banking industry has been absorbed deposit
interest, loans on interest rates, interest on interest rates the gap formed part of the
proceeds of the Bank, which is the main way of banking services in the community.
However, both deposits and loans has been an error and violations of human rights.
Bank deposits and deposit management, human and financial and material resources to pay,
the need for management of expenses, then, depositors should be paid to the bank deposit
costs, rather than obtained from the bank deposit interest. This is wrong, a violation of
the rights of the Bank.
Bank loans, the payment of customer deposits, customer deposits thus be unable to repay
loans to households bankruptcy risk, and bank loans without the permission of the
depositor, in violation of the rights of depositors, in fact secretly spent "deposit" of
the deposits of customers, in fact, a kind of "misappropriation". Therefore, the Bank's
lending business is the actual infringement.
Progress of banking business should be like this:
First, Bank deposits, charge deposit fees.
Second, banks are not allowed to engage in lending, banks can only engage in lending
intermediary business, intermediary services, collection agency fees for depositors and
loan customers. If there is no deposit, no one is lending, so that socio-economic to run
very well.
