The change trend and reasons of the deposit amount of China Construction Bank from 20 19 to 202 1.

1. The change trend and reasons of the deposit amount of China Construction Bank from 20 19 to 202 1.

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Report | Deepening the Strategy of Financial Science and Technology, Empowering the High-quality Development of New Finance —— Observation of China Construction Bank 202 1 Annual Report

Cai Ziyi Jia

May 26, 2022 19:30 Zhejiang

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Corporate finance business

China Construction Bank's corporate deposits have grown steadily, and its customer account base has been continuously consolidated. At the end of 20021,corporate deposits in China Construction Bank reached 6.54 trillion yuan, an increase of 267.74 billion yuan or 4.27% compared with 2020. Among them, demand deposits increased by 2.94% and time deposits increased by 10.50%. The company has 8.46 million institutional customers, an increase of 850,000 compared with 2020. The total number of RMB settlement accounts is 1, 1 950,900, an increase of 4,925,438+0,000 compared with 2020.

Corporate loans have grown rapidly, vigorously supporting key areas and effectively serving the real economy. At the end of 20021,domestic corporate loans of China Construction Bank reached 9.59 trillion yuan, an increase of 1.23 trillion yuan or 4.75% compared with the end of 2020; The defective rate is 2.27%. The loan balance of infrastructure industry was 5.07 trillion yuan, an increase of 733,654.38+0.08 billion yuan compared with 2020, with an increase of 16.9 1%, accounting for 52.82% of the company's loans and advances. The defective rate was 1.58%. The balance of medium and long-term loans in manufacturing industry was 6717410 million yuan, an increase of1519.93 million yuan compared with 2020, with an increase of 29.24%. The loan balance of private enterprises was 3.32 trillion yuan, an increase of 438.749 billion yuan compared with 2020, with an increase rate of 15.2 1%. The loan balance of strategic emerging industries was 92197.9 billion yuan, an increase of 306.459 billion yuan or 49.79% compared with 2020. The balance of domestic real estate loans of China Construction Bank was 730.087 billion yuan, an increase of 42.583 billion yuan compared with 2020. A total of 802.387 billion yuan of supply chain financing support was provided to 94,600 chain customers in the industrial chain of 5,952 core enterprises.

Institutional business

Continue to promote the implementation of the smart government strategy. By the end of 20021,it has established cooperative relations with 29 provincial governments and participated in the construction of government services, supervision platforms and application scenarios; The registered users of the platform exceeded 200 million, and the accumulated business transaction volume exceeded 2.5 billion. * * * Enjoy outlet channels, build a "government affairs hall around the people", and realize the full coverage of government affairs service functions of CCB 14000 outlets. The outlets can handle, make appointments and inquire about more than 6,000 government services, with more than 47 million business transactions and more than 20 million service users. The same industry pioneered the "one-network-run" mode of government affairs service of intelligent teller machines, realizing full coverage of 3 1 province, autonomous region and municipality directly under the central government, covering all kinds of government affairs scenarios 1.593 items; Help the "inter-provincial communication" regional platform in the five southwestern provinces to land and solve the problem of people doing things in different places. Continue to deepen the integration of government and banking, and the "financial payment" scene is constantly enriched, covering real estate transactions, non-tax and social security collection.

2.20 15 and 1 quarter, what are the main backgrounds and reasons for the decline in m2 growth rate?

On February 5th, the Bank of China lowered the deposit reserve ratio of financial institutions by 0.5 percentage point, which was the first comprehensive RRR cut in the past three years, in line with the loose expectations of the market under the tone of prudent monetary policy. Driven by the loose credit policy, China's new RMB loans in June 5438+ 10 hit a new high in the same period in six years, but at the same time, the growth rate of M2 of broad money supply reached a record low at the end of the month, which explained to some extent the reason for RRR's interest rate cut. It is still necessary to loosen monetary policy in the future when M2 is facing stall risk.

3. What is the reason for the decline in deposit growth?

1.

Employees have insufficient awareness of active marketing, and no personnel are arranged to track the flow of docking funds when large amounts of funds flow out of the management station, resulting in the loss of some deposits that can be left in our bank;

2.

The account manager failed to fully channel the loan customer's funds to the bank, which led to the low rate of return on capital of the loan customer.

3.

Due to the shortage of manpower, our bank did not fully arrange personnel to publicize our new deposit products in township concentration points, resulting in

4. According to researcher Wang's analysis, the reason for the decline of 20 18 consumption growth rate is the "crowding-out effect" of excessive real estate prosperity, which shows that the savings rate has dropped sharply. ()

Correct answer: correct.