彩票平台

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银行作恶,中信无信

摘要: 信誉与存款的两难博弈。

图片来源@视觉中国

tupianlaiyuan@shijuezhongguo

wen | caijingwuji

彩票平台jiluozhixiangzhihou,zhongxinyinxingdeshijianguanlixuezaidudengshangleresoubangdan。

彩票平台7rilingchen1dian,qiguanfangweibofabuledaoqianxin:

彩票平台fanyiyixia,wangshangbaoliaodedoushishichui,caipiaopingtaigandaohenkuijiu(zheicijuranbeifaxianle),yijingduizerenrenzuochulechufen(chunshugerenwenti,yinxingzhidububeiguo),xiangchizidaoqian(shiqinggankuaiguoquba)。

彩票平台zongguanquanwen,tangpingrenchuidefuruanbeihou,youronghezhebuloushengsedeshuaiguoyishu,hejijirencuoguangmingleiluodexingxiangsuzao,shizaikanchengshishenchujiduanbulihuanjingxiaqiyegongguandedianfan。

彩票平台yihandeshi,gongguansuoqidaodexiaoguozhongjiuyouxian,keyiyujiandao,zheiyifumianxiaoxisuodailaidediebianbingbuhuijiucitingzhi。

彩票平台zheiyichangwuxingdeyulunjiaofengbeihou,chizihuodeledaodedeshengli,ercanbaideyifang,quekenengyaoweicipeidiaoyinxingyeshiweidiershengmingdexinyutixi。

01 行业“清流”,中信失信

jiezhifagaoshi,zhongxinyinxingpanzhonggujiayiyouxiexuxiacuotaishi。

tongzibenshichangmianlizhichengxiadepingjingxiangfan,lingyibiandehulianwangshang,guanyuzhongxinyinxingdeduanzihepipanyijingshirehuochaotian。

yourengengshibachulejinianqiandebaodaohesifapanli,anzhizhongxinyinxingxielukehuxinxide“chuantong”youlaiyijiu。

jielianbachudemengliaozhixia,wangyoumenyefenfendiaokancheng:

“zhongxinyinxingjianyigaimingjiaozhongyinxing,yinwei‘xin’yijingmeile。”

yulundebaofabeihou,zhongxinyinxingcifanxingwei,shizhishangyijingpohuaileyinxingyizhishituyukehugoujiandexinrenguanxi,zaimanzhangdeyinxingyefazhanlishishang,zheiyixinrenguanxi,shizhongshixingyedeyibuduanqianxingdejishisuozai。

彩票平台congduanzuozaizhongshijiweinisimatoubandengshangduihuanfabidechudaiyinxingjiamen,daorujinxizhuanggelv,churushehuabangongdaloudejinrongjingying,yinxingyedemoshihejingjidiweijinglilefantianfudidegaibian,danweiyimeiyoubianhuade,bianshiqishenchuxinyujinzitadingduandediwei。

zhengruyingguojingjixuejiawoerte·bajietesuoshuodeneiyang: “yinxingjiadeshiyehecaifubingbushihuobishuzi,ershifuzizhijiandaidaixiangchuandexinyu。”

彩票平台zheizhongxinyubingbujinjinyiweizhejiandandejishifukuan,tongyangbaohanzhemouzhonggengweishenyuandexijie: kuayueshijianhekongjiandepiaojuchengdui,zichandetuoshanbaoguan,yijizheibeihousuoyunhandeshencengluoji:

“yongyuanzhanzaikehudeyibian。”

彩票平台wuduyouou,《niuyueshibao》zaishenruyanjiulemogenyinxingbeihuashengdunhelundundequanlijiegouqinglaideyuanyinzhihou,tongyangdechulezheigejielun:

彩票平台“mogenyuqishuoshiyijiayinxing,burushuoshiyigetizhi,zaizheiyitizhixia,xinyuchengweilezuiguanjiandeyinsu……huaerjieshang,bimogenguimogengda、zichangengduodeyinxingyoushiduojia,danlunxinren、shanyi、chengshi,hekehuzhishangdeyuanze,mogenshiduyiwuerde。”

zheiyidianzaiguoneideyinxingyezhongtongyangyousuotixian。

彩票平台zaizhongguo,gerendezhanghuxinxishizhishangshishou“shuangzhongbaohu”de,yifangmian,tashuyugerenyinsideyibufen,shixianfahexingfasuochengrendegongminquanli,zhanghuchaxunzhiyouzaifuhexiangguanfalvfaguidexingzhengzhifa、xingshizhenchadengsifahuodongxiacainengjinxing,lingyifangmian,tayouzuoweijinrongyechuantongxinyucaipiaopingtaidemouyihuanjie,shoudaoyinxingchuyuliyikaoliangdengzhuduofangmiandebihu。

彩票平台liangzhexiangbi,houzheyoushishenzhihaihuigaoyuqianzhe。

彩票平台zaizhongguocaipanwenshuwangshangjiandansousuo,gedayinxingyinweijujuepeihefayuangongzuoerbeifakuandeanliduoruniumao,congjujuetigongbeizhixingrenkaihuxinxi,daojujuepeihehuakoubeizhixingrenzhangkuan,fakuanjinehuayangbaichu,shejidanweiyepubiancunzaiyujiannonggongshanghedifangshangyeyinxing。

jinguanbuneime“zhengzhizhengque”,dancongoumeidaozhongguo,baoquankehuxinxi,shenzhiyuzaiyidingchengdushang“weikang”sifajigoudexianxiang,suiranbufuhefalvfagui,queshiyinxingneibubuzhebukoudeyidao“rongyuxunzhang”。

zaicijichushang,zhongxinyinxingdehengkongchushi,fangfoyidaoqingliu,gaibianleyinxingzhijianwuxiuzhide“xinyujingsai”,baquanxingyeladaole“bilan”desaidaoshang,bingyiqijuechendeduodeleguanjun。

02 被存款“绑架”的银行

huidaozhongxinyinxingzheiyichouwenbenshen,butongyusifajiguandenggongquanliduiyugetiyinsidezhengji,zheiyishijianbenzhishanggengjinsiyuyinxing“dakehu”duiyu“xiaokehu”dequanliqinfan。

tongqianwenzhongsuochanshudejujuepeihefayuangongzuoerbaohu“dakehu”butong,houzhedexingzhiconggefangmianlaishuodougengweielie。

yinxingbeifayuanfakuan,congchuncuidejingyingjiaodukan,hefengnianguojiesongdakehuguizhonglipin、qingdakehuchifanyiyang,benzhishangshiyizhongzitaoyaobaodeguanxiweihu,jinguanbuweifalvsuotichang,danzheibingmeiyouchaochu“chengben——lirun”dexunhuankuangjia,rengranshikekongde。

erchizizheiyishijiansuojieluchude,zeshizhongxinyinxingduiyuzheiyikuangjiadepohuai,tazhengmingle,gaiyinxingxiashuzhishaocunzaizheyigezhixing,yuanyiyixishengzhongxiaokehudequanyiweidaijia,qu“taohao”dakehu,erzaizheiyiguochengzhong,bengaiyouyinxingfangmianzhichude“huisechengben”beizhijiezhuanjiadaolekehudetoushang。xiangduiyingde,yinxingwanchenglewubenwanlidekehuliucun。

zaicijichushang,zheiyikansilingchengbendexiaoxiaojudong,tongyangbaoluchulezhongxinyinxingzaiboyiguochengzhongdebeidong。

彩票平台wuyongzhiyi,cunkuanduiyurenheyigeyinxinglaishuodoujiweiguanjian,zheiyidian,《zibenlun》zhongjiucengzuochuguoqingxilunshu:

duiyinxinglaishuo,juyouzuizhongyaoyiyideshizhongshicunkuan。

彩票平台duiyuxuduolaoyibeiyinxingcongyezhelaishuo,gengshiyouzhe“cunkuanlixing”deshuofa。

彩票平台erfankai《shangyeyinxingfa》,bunandechujielun,cunkuanmuqianduizhongguoyinxingyejinrongjigoudezhongyaoxing,zhuyaoyuanyutatongguocunkuanzhunbeijinlv、cundaibidengqiangzhixingjianguanzhibiaoxingchengduidaikuanguimodezhijieyueshu。

lingyibian,yuanziwinddeshujuxianshi,jiezhi2018niandisanjidumo,29jiaagushangshiyinxingcunkuanzongewei107.25wanyiyuan,daikuanzongewei85.33wanyiyuan,cundaikuanbilvpingjunzhiwei76.99%,zheizhizhong,zhongxinyinxingyi98.12%decundaibigaojudier。

彩票平台zheiyiweizhe,tongyangjieshoule1yiyuandecunkuan,zhongxinyinxingzengjiadedaikuanshuejiangjiaoyibanshangshiyinxingduochuzhengzheng2113wan。

彩票平台mouzhongchengdushang,zheihuoxushizhongxinyinxingrucizhizheyu“taohao”xiaoguowenhuazhileidaecunkuankehudeyuanyinsuozai。

彩票平台erzaineizhiwai,yuanzicaibaodelingyizushujuyepangqiaocejidedianchulegaixingneibu“tequankehu”cunzaidekenengxing。

2019nianbannianduyejibaogaoxianshi,jiezhibaogaoqinei,zhongxinyinxingkehuzongshuyijingdadaole9504.76wanhu,qizhong,zhonggaoduanguibinkehutupo80wanhu,raner,zheiyipijinzhankehuzongshu0.84%dequnti,weituojiyinxingguanlidezichanzongejinggaoda9561.73yiyuan,zhanjulegaixingzichanguanlizongede48.35%。

youzheiyangyipizuyi“bangjia”yinxingdevipkehudecunzai,tangruozhiduguanlichuxianxiexudeloudong,xiangchizizheiyangdeanli,kongpananyidujue。

03 银行业靠什么活在21世纪

彩票平台“caipiaopingtaixuyaoyinxingye,dancaipiaopingtaijiangbuzaixuyaoyinxing。”

彩票平台shangshuzhiwai,zhongxinyinxingcifanyixiliedeweiguicaozuo,kanqilaigengxiangshihuyinglebier·gaici23nianqiandeneiyifanyuyan。

jinguanshizhijinri,quanqiufanweinei,xianxiayinxingyedefazhanyiranruhuorutu,duanqineinanyikandaoxiaowangdekeneng,raneryucitongshi,gaosudiedaidexinxingjishuyezhengzaibuduanchongjichuantongyinxingyeyaoyaoyuzhuidebilei。

mianduikeyiyujiandaodeshuzihuabiange,huanraoyurenmenshoujipingmuqiandezhifugongju,zhichengxianxiayinxingpangdaguimodeliyouzhengzaichengxiannanyinizhuandexuejianqushi。

彩票平台mianduiweilai,huoxuzhengrujiemusi·hankaokezai《xiaoshideyinxing》yishuzhongsuoshuodeneiyang: “jiayishiri,yinxingbijiangbeichedigaibian。”

彩票平台ranerduiyuzheizhonggaibiandezuizhongjieguo,zuozhebenrensuochiyoudetaiduyiranshikaifangde,yinxingyejiujingjiangbeitaotai,haishijiezhuyujishuheliniandebiangezhonghuoxinsheng,juedingquanrengranzhangwozaitamenzijideshouzhong。

zheizhizhong,chuleshujuzhuanxing、chuangxintouzidengyixiliecuoshizhiwai,hankaokeweidangxiayinxingyezhaodaodeweiyicunzailiyou,bianshikehu。

彩票平台taxiangxin,yinxingzhiyoujiangmuguangcongchanpinzhongxinhuiguidaokehudeshenshang,zheiyizuzhicainengzhenzhengjiyezhangqing。

彩票平台erzhengruqianwenzhongsuochanshudeneiyang,zheiyiweiraokehugoujianzuzhideguanjianzhiyi,rengranshibicidexinrenhekehuzhishangdeyuanze。

彩票平台zheiyidianzaixianshishijiezhongtongyangyijingbeilingyigezuzhisuoyinzheng——ruishiyinxingye。

shujutongjixianshi,2016nianruishiyinxingyechiyoudejingwaicaifuwei2.4wanyimeiyuan,weiquanqiuzuigao。jinguanzheiyishuzizhengzaibeiyazhoudexinjiapohexianggangbuduanlajin,danboshidunzixungongsi(bcg)dediaoyanzhichu,dao2021nian,ruishirengjiangyi24%defenelaolaozhanjujingwaizuidadecaifuzhongxinminghao。

ertidaozheiyipangdadecaifujituan,gaoduweikehubaomiyiranshishouxianfuxianzairenmenxinmuzhongdexingxiang。congjiaerwenjiaopaisuozhuzhangdesiyoucaichanbaomi,dao1934niantongguodebaohukehusiyin,jinzhixielouyinxingkehuziliaoderuishiyinxingfa。ruishiyinxingyeyiguanyilaiduiyucunhuziliaodebaohu,chengweiletamenzairixinyueyideshangyeshijielilijingbainiandetongxingzheng。

zairuishi,yinxingguyuangongkaicunhuziliaokeyibeipanruyu。bushaoyinxingyuyuangongdebaomixieyigengshizhongshenzhi,lizhihoudouyouzerenbaomi。jinguanzheiyizhunzesuodailaidebishuihexiqianfengbonanyiweifalvsuochanming,danzheibingbufangaiqiyongyoude,mouzhongchengdushangshengyufalvdeweili。

dangran,duiyuguoneiyinxinglaishuo,zheiyangjiduandebaomifazeweibiyoucunzaidebiyao,danqibeihousuoyunhandexinyuzhunze,rengranzhidemeiyiweiyinxingcongyezhedesikao。

这或许也是中信银行此番丑闻背后,唯一的积极意义。(本文首发钛媒体APP)

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