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Bankers Association Proposes New Guidelines for Bank Loans

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In an effort to strengthen the country’s financial sector, the Bankers Association has proposed new guidelines for bank loans aimed at improving liquidity and reducing risk.

Proposed Rules

The association proposes several new rules to improve the banking system. These include:

• Maintaining minimum reserve ratios for various types of deposits and liabilities.
• Allowing banks to impose a marginal reserve ratio on the increment of certain types of deposits and liabilities.
• Requiring banks to maintain minimum levels of liquid assets, such as cash and government securities.

Open Market Transactions

The proposed guidelines also cover the purchase and sale of government bonds and other securities. Under these rules:

• The bank will be allowed to purchase and sell these securities in the open market to help manage liquidity and regulate monetary conditions.

Benefits

The Bankers Association believes that these proposed guidelines are necessary to ensure the stability of the financial system and promote economic growth.

“We believe that these proposals will help improve the overall health of the banking sector, reduce risk and promote economic growth,” said a spokesperson for the Bankers Association. “We look forward to working with the government and other stakeholders to implement these guidelines and strengthen our financial system.”

Key Provisions

Here are the key provisions of the proposed guidelines:

• Banks will be required to maintain minimum reserve ratios for various types of deposits and liabilities.
• Banks will be allowed to impose a marginal reserve ratio on the increment of certain types of deposits and liabilities.
• Banks must maintain minimum levels of liquid assets, such as cash and government securities.
• The bank will be allowed to purchase and sell government bonds and other securities in the open market.

Impact

The proposed guidelines are expected to have a significant impact on the banking sector, improving liquidity and reducing risk. They are also likely to have a positive impact on the overall economy, promoting economic growth and stability.

Timeline

The proposed guidelines are subject to review and approval by the relevant authorities before they can be implemented. Once approved, the guidelines will come into effect on a date to be determined by the Executive Yuan.