What do you mean by idling, a real turn?

"Idling" means that when processing trade enterprises handle bank deposit accounts, they only open short accounts and do not accept deposits.

"Real transfer" means that all processing trade contracts are handled in accordance with the provisions of the bank deposit account system for processing trade imported materials, and the deposit is paid through the establishment of an account, that is.

If the enterprise did not create profits originally, but falsely reported a profit figure in order to create the illusion of increased profits, the enterprise will borrow money from banks or other financing institutions according to this falsely reported figure and pay it to the local taxation bureau and the finance bureau.

Then, the paid loan (nominal "tax") will be returned to the enterprise through various channels. Some enterprises even return loans to banks or financial institutions. In this process, although it did not produce any economic benefits, it completed a virtual capital cycle, which is called idling.

Before the capital flows to the entity, idling will only accelerate the expansion of the balance sheet of financial institutions and form a prosperous scene of the financial industry. Financial institutions have lost the function of optimizing resource allocation and have no positive effect on economic growth. Even if the capital finally flows to the entity, because there are too many chains, the capital operation is blocked and the cost increases, which is not conducive to the development of the real economy.

In addition, the idling of funds also increases the risks of financial institutions. The complicated circulation process leads to the reduction of financial institutions' ability to control funds. It involves many peer institutions. If they are all inter-bank credit guarantees, as long as there is a problem at one end, it will easily involve a number of financial institutions, resulting in system risks. The asset bubble caused by financial prosperity also implies certain market risks.