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search of higher rates, and it may be doubted whether there would be much or any change.)
5.
Should institutions which run savings bank departments
be required to keep separate accounts for them and to segregate the assets held against their liabilities to depositors in those departments?
6.
That measure of control should be applied to the use of moneys deposited in savings bank departments? Should a minimum percentage of cash to sight liabilities be required? Should all investment, or a percentage, be required to be in trustee securities? Should any uses of depositors' money which are legitimate in ordinary banking, be forbidden or limited in savings banks? Should the rate of interest payable to savings bank depositors be limited by law?
7.
Should a minimum paid-up capital be required before an institution may conduct (a) banking (b) savings bank business? If so, should there be different minima for institutions covering different fields (for instance, should a bank registered in Hong Kong which proposes to open branches in China be required to have a larger paid-up capital than a purely local institution).
бо
Should it be made compulsory for a bank to strengthen its position either by requiring a proportion of its net profits to be placed to reserve, or by prohibiting payment of a dividend in excess of x, until reserves are equal to paid- up capital?
Should a bank be prohibited from accepting deposits in excess of a fixed multiple of its paid-up capital and reserves?
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