Negative interest rate era for digital currency
Publish: 2021-05-03 23:20:36
1. Unknown_Error
2. Because one person's expenditure represents another person's income, and the market is always expanding, goods are always increasing, so more money is needed, and printing and distributing money will lead to inflation, resulting in a surge in commodity prices, so credit was born
credit is to overdraw the future expenditure to carry out the current transaction, and human nature makes it easy to borrow money but difficult to repay it, so the interest rate will continue to fall until the negative interest rate
it's easy to increase credit, but it's extremely painful to rece Xinda. With the decrease of people's consumption, layoffs in factories, and even social changes, people's interest rate drops to negative in order to stimulate consumption.
credit is to overdraw the future expenditure to carry out the current transaction, and human nature makes it easy to borrow money but difficult to repay it, so the interest rate will continue to fall until the negative interest rate
it's easy to increase credit, but it's extremely painful to rece Xinda. With the decrease of people's consumption, layoffs in factories, and even social changes, people's interest rate drops to negative in order to stimulate consumption.
3. " Negative interest rate era & quot; It usually refers to the period when the interest rate of bank deposit is lower than the inflation rate in the same period. For consumers and investors, facing the pressure of inflation (currency devaluation), the purchasing power of consumers declines and the cost of investors rises.
4. Negative interest rate generally means that the interest rate announced by the central bank is lower than 0. Theoretically speaking, in the case of negative interest rate, if you deposit money in the bank, you will not only have no interest, but also pay a certain fee to the bank
the main purpose of negative interest rate is to stimulate the economy. People will find that when they deposit money in the bank, their wealth will shrink, and they will withdraw money from the bank for consumption or investment. Enterprises will think that the bank interest rate is low, and they are more willing to go to the bank for loans to carry out business activities, so as to improve the overall social and economic situation
in reality, the European Union and Japan have really implemented negative interest rate policies, but the effect is not good. Although people will withdraw money, most of the time they just pile up cash instead of consumption. This phenomenon is particularly serious in Japan. The premise for enterprises to expand business is that people's consumption improves. In the case of no improvement in consumption, the willingness of enterprises to lend is not high
another kind of negative interest rate refers to the situation when the bank interest rate is lower than CPI, which is the actual negative interest rate - under the premise of inflation, the interest paid by the bank can not resist the wealth shrinkage caused by inflation, which leads to the actual depreciation of wealth, which can also be called negative interest rate
as the name suggests, the era of negative interest rate is the era in which the former two situations occupy most of the time. No matter which situation, it will cause the actual shrinkage of one's own wealth, but to some extent, it may also be the precursor of economic prosperity, so it is not necessarily a bad thing. It is the most important thing to take care of one's own wealth.
the main purpose of negative interest rate is to stimulate the economy. People will find that when they deposit money in the bank, their wealth will shrink, and they will withdraw money from the bank for consumption or investment. Enterprises will think that the bank interest rate is low, and they are more willing to go to the bank for loans to carry out business activities, so as to improve the overall social and economic situation
in reality, the European Union and Japan have really implemented negative interest rate policies, but the effect is not good. Although people will withdraw money, most of the time they just pile up cash instead of consumption. This phenomenon is particularly serious in Japan. The premise for enterprises to expand business is that people's consumption improves. In the case of no improvement in consumption, the willingness of enterprises to lend is not high
another kind of negative interest rate refers to the situation when the bank interest rate is lower than CPI, which is the actual negative interest rate - under the premise of inflation, the interest paid by the bank can not resist the wealth shrinkage caused by inflation, which leads to the actual depreciation of wealth, which can also be called negative interest rate
as the name suggests, the era of negative interest rate is the era in which the former two situations occupy most of the time. No matter which situation, it will cause the actual shrinkage of one's own wealth, but to some extent, it may also be the precursor of economic prosperity, so it is not necessarily a bad thing. It is the most important thing to take care of one's own wealth.
5. If you are told that you are losing money while saving money, the actual income you get is negative, do you believe it? We are facing the huge difference between nominal interest rate and real interest rate, and moving from the era of low interest rate to the era of negative interest rate“ The era of negative interest rate "refers to the period when the price index (CPI) rises rapidly and the bank deposit interest rate is actually negative. In the first eight months of 2003, China's consumer price continued to increase slightly, but it began to rise rapidly in September, and continued to increase by 3.2% in January this year. At present, the one-year deposit interest rate of banks is still controlled at 1.98%. Considering the interest tax of 20% and the price rise, the real interest rate is - 1.616%< On February 24, the people's Bank of China issued the report on the implementation of China's monetary policy in 2003 (hereinafter referred to as the report). In the report, there is a saying that "the pressure of inflation is increasing, and we need to pay close attention to it.". Zhou Xiaochuan, governor of the people's Bank of China, has also said that the central bank will use all kinds of tools to regulate and control in order to prevent the crisis. Analysts believe that the monetary policy tools adopted by the central bank to prevent inflation mainly include interest rate, deposit reserve ratio and open market operation. The latter two tools have been adopted last year, and there is little room and efficiency for them to continue to be used. Therefore, when the era of negative interest rate is approaching, adjusting interest rate will become more realistic and urgent< In the eyes of economists, CPI (national consumer price index) is usually used as one of the core observation indicators to measure the inflation rate. Before 2003, the year-on-year growth rate of CPI in China has been negative. But in December 2003, China's CPI rose by 3.2%. According to economists' analysis, CPI growth in the first half of this year will basically remain at the level of the fourth quarter of last year, that is, more than 3%. According to the preliminary estimation, the tail factor of the year-on-year price rise in 2004 is 2.2. In other words, even if there is no new price increase in 2004, the annual price increase will reach 2.2%
according to the analysis of relevant financial experts, the annual price rise rate of 2.2% actually means that when indivial depositors deposit fixed deposits in the bank for one year, the actual income is already negative. Today, the one-year interest rate of bank deposits is 1.98%. After decting 20% interest tax, the actual deposit interest rate is only 1.58%. If the CPI is 3%, the real interest rate of one-year deposit is 1.58% - 3% = - 1.42%. What does that mean? It means that you deposit 10000 yuan in the bank, and one year later, its real value becomes 9858 yuan, 142 yuan "evaporates"< After the interest rate cut on February 21, 2002, the one-year deposit interest rate of financial institutions was 1.98%, the lowest level in 20 years, and the one-year loan interest rate was 5.31%. Once there is inflation, the real interest rate will be affected. If the current deposit and loan interest rates remain unchanged, the inflation rate of 3% for depositors means that the real interest rate of current deposits will be negative, and the real interest rate of enterprise loans will drop by 3%. Then, the financing cost of enterprises will be greatly reced, which will stimulate enterprises to borrow a lot from banks for investment, thus further driving a new round of credit expansion and investment overheating. This is obviously what the central bank does not want to see! Perhaps only by raising the interest rate can we relieve the inflation pressure caused by the negative real interest rate
yuan Gangming, chief economist of the Chinese Academy of Social Sciences, believes that if CPI and investment continue to grow rapidly in the next few months, the central bank is likely to raise interest rates for the first time in eight years and raise RMB interest rates to curb the rapid growth of consumer price index and investment< It is worth mentioning that the real interest rate of bank deposits in China has been relatively low. The real interest rate of one-year deposits calculated by the consumer price index averaged 0.32% from January 1987 to July 2003. One reason for this low average is the high inflation rate in 1993-1995. Even taking into account the discount, the long-term average real deposit interest rate is relatively low. It is reasonable to adjust the interest rate of RMB appropriately
Yi Xianrong, a researcher at the Institute of finance, Chinese Academy of Social Sciences, believes that our deposit interest rate is controlled by the government, not the real interest rate of the market. If only from the perspective of depositors, the deposit interest rate should be raised. But this year, the government will pay more attention to the reform of state-owned banks, which is also the core issue of this year's economic reform. If the deposit interest rate is raised, the expenditure cost of the bank will increase and the income will decrease, which will directly affect the economic benefits of the bank and is not very beneficial to the bank reform. Therefore, judging whether the interest rate will be adjusted depends on where the government focuses< In fact, the information from the "report" has shown that the pressure of RMB interest rate rise is increasing, and people's expectation of interest rate rise is becoming stronger and stronger! The possibility of the central bank to adjust the deposit and loan interest rates is increasing, just the size of the adjustment. This is because the central bank's monetary policy objective this year is to "attach great importance to preventing inflation and financial risks while promoting steady and rapid economic growth."
the arrival of the era of negative interest rate is a fact that ordinary people, especially those who are keen on saving, have to accept; In the eyes of people who are active in financial management and have a strong sense of investment, it means the arrival of the era of making money. We must actively adjust our financial thinking and resist negative interest rate through effective investment means. There are many ways to resist negative interest rates, such as recing savings, spending more, and even investing with a rational mind and a positive attitude (such as stocks, real estate, etc.), because the greater your investment income, the stronger your ability to resist inflation. Therefore, the negative interest rate is not terrible, the terrible thing is to be indifferent in the face of negative interest rate!
according to the analysis of relevant financial experts, the annual price rise rate of 2.2% actually means that when indivial depositors deposit fixed deposits in the bank for one year, the actual income is already negative. Today, the one-year interest rate of bank deposits is 1.98%. After decting 20% interest tax, the actual deposit interest rate is only 1.58%. If the CPI is 3%, the real interest rate of one-year deposit is 1.58% - 3% = - 1.42%. What does that mean? It means that you deposit 10000 yuan in the bank, and one year later, its real value becomes 9858 yuan, 142 yuan "evaporates"< After the interest rate cut on February 21, 2002, the one-year deposit interest rate of financial institutions was 1.98%, the lowest level in 20 years, and the one-year loan interest rate was 5.31%. Once there is inflation, the real interest rate will be affected. If the current deposit and loan interest rates remain unchanged, the inflation rate of 3% for depositors means that the real interest rate of current deposits will be negative, and the real interest rate of enterprise loans will drop by 3%. Then, the financing cost of enterprises will be greatly reced, which will stimulate enterprises to borrow a lot from banks for investment, thus further driving a new round of credit expansion and investment overheating. This is obviously what the central bank does not want to see! Perhaps only by raising the interest rate can we relieve the inflation pressure caused by the negative real interest rate
yuan Gangming, chief economist of the Chinese Academy of Social Sciences, believes that if CPI and investment continue to grow rapidly in the next few months, the central bank is likely to raise interest rates for the first time in eight years and raise RMB interest rates to curb the rapid growth of consumer price index and investment< It is worth mentioning that the real interest rate of bank deposits in China has been relatively low. The real interest rate of one-year deposits calculated by the consumer price index averaged 0.32% from January 1987 to July 2003. One reason for this low average is the high inflation rate in 1993-1995. Even taking into account the discount, the long-term average real deposit interest rate is relatively low. It is reasonable to adjust the interest rate of RMB appropriately
Yi Xianrong, a researcher at the Institute of finance, Chinese Academy of Social Sciences, believes that our deposit interest rate is controlled by the government, not the real interest rate of the market. If only from the perspective of depositors, the deposit interest rate should be raised. But this year, the government will pay more attention to the reform of state-owned banks, which is also the core issue of this year's economic reform. If the deposit interest rate is raised, the expenditure cost of the bank will increase and the income will decrease, which will directly affect the economic benefits of the bank and is not very beneficial to the bank reform. Therefore, judging whether the interest rate will be adjusted depends on where the government focuses< In fact, the information from the "report" has shown that the pressure of RMB interest rate rise is increasing, and people's expectation of interest rate rise is becoming stronger and stronger! The possibility of the central bank to adjust the deposit and loan interest rates is increasing, just the size of the adjustment. This is because the central bank's monetary policy objective this year is to "attach great importance to preventing inflation and financial risks while promoting steady and rapid economic growth."
the arrival of the era of negative interest rate is a fact that ordinary people, especially those who are keen on saving, have to accept; In the eyes of people who are active in financial management and have a strong sense of investment, it means the arrival of the era of making money. We must actively adjust our financial thinking and resist negative interest rate through effective investment means. There are many ways to resist negative interest rates, such as recing savings, spending more, and even investing with a rational mind and a positive attitude (such as stocks, real estate, etc.), because the greater your investment income, the stronger your ability to resist inflation. Therefore, the negative interest rate is not terrible, the terrible thing is to be indifferent in the face of negative interest rate!
6.
Business district: West Lake Business District (West Lake, Mingdian street, Nanshan Road)
Administrative District: Shangcheng District
the hotel is close to West Lake, the gate out of the hotel is West Lake, near Jiefang Road department store
the hotel has a cruise ship, dance hall, karaoke and chess room
the hotel has Sichuan, Shandong, Guangdong, Huaiyang and other cuisines
address: No. 171 Nanshan Road, Hangzhou (West Lake Xintiandi)
Star: 4 star
7. Hello, the so-called negative interest rate era refers to the annual interest rate of bank deposits, which is lower than the official CPI. Generally speaking, interest income cannot offset the speed of currency depreciation.
8. The so-called negative interest rate means that in some economic situations, the deposit interest rate (usually the interest rate of one-year fixed deposit) is less than the rise of CPI in the same period. At this time, as time goes on, the purchasing power of residents' bank deposits graally decreases, which seems to be "shrinking", so it is called negative interest rate
theoretically speaking, the era of negative interest rate will lead China into financial diversification, and the 11 trillion yuan deposits in banks will be liberated to the capital market or other fields. But the fact is that the negative interest rate and its chain reaction have not shaken the savings habits of the working class. According to analysis, people save money mainly for children's ecation, disease prevention and disaster prevention. The unsatisfactory performance of stock market, fund and bond in 2003 also proves this point. Some people think that if the "era of negative interest rates" continues and the integrity rules of the financial market can be better implemented, the awareness of personal investment will slowly wake up. But another view is that if the absolute value of negative interest rate is too large in the future, the central bank will raise the deposit interest rate, and then China's "era of negative interest rate" will come to an end
in August 2010, CPI rose by 3.5% year on year, reaching a 22 month high. At the same time, the one-year deposit rate of the bank is 2.25%. The one-year fixed deposit of residents actually depreciated by 1.25%. This means that in the long run, residents' savings of 10000 yuan will actually shrink by more than 125 yuan a year later
simple explanation. namely. For example, you can buy things with 100 yuan in 2010. At this time. The interest rate for bank deposits is 2.25%. And you're in 2011. Which item to buy. It's 103.25 yuan. At this time. Negative interest rates are 1%.
theoretically speaking, the era of negative interest rate will lead China into financial diversification, and the 11 trillion yuan deposits in banks will be liberated to the capital market or other fields. But the fact is that the negative interest rate and its chain reaction have not shaken the savings habits of the working class. According to analysis, people save money mainly for children's ecation, disease prevention and disaster prevention. The unsatisfactory performance of stock market, fund and bond in 2003 also proves this point. Some people think that if the "era of negative interest rates" continues and the integrity rules of the financial market can be better implemented, the awareness of personal investment will slowly wake up. But another view is that if the absolute value of negative interest rate is too large in the future, the central bank will raise the deposit interest rate, and then China's "era of negative interest rate" will come to an end
in August 2010, CPI rose by 3.5% year on year, reaching a 22 month high. At the same time, the one-year deposit rate of the bank is 2.25%. The one-year fixed deposit of residents actually depreciated by 1.25%. This means that in the long run, residents' savings of 10000 yuan will actually shrink by more than 125 yuan a year later
simple explanation. namely. For example, you can buy things with 100 yuan in 2010. At this time. The interest rate for bank deposits is 2.25%. And you're in 2011. Which item to buy. It's 103.25 yuan. At this time. Negative interest rates are 1%.
9. Take bus 102 / K102, get on at Wulin gate station, get off at yigongyuan station, and walk a few steps to Dahua hotel; Or take a seat at yongjinmen station and walk back a few steps to Dahua hotel.
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