Which bank will have the greatest impact on raising the reserve requirement 5

The impact on that bank is almost as great! In other words, it should be those banks with financial problems and banks with bad loans (more bad debts) that will be greatly affected! Of course, the ability of small banks to resist risks is not as big as that of big banks, and it does not mean that there will be a crisis when the small banks have less money to lend, and in this case small banks are more cautious than large banks!

Raise the reserve requirement ratio, pay attention to the word "rate"! What has increased is the ratio of deposits in each bank! So the degree of impact is about the same!

As long as the bank itself is fine!

You have written one word less: it is to raise the reserve requirement ratio, not the reserve requirement ratio! One word less means something different!

The above is a personal opinion, not necessarily all right, only for reference!

It depends on how much banking happens. In fact, not necessarily, each bank has its own rules of survival, and all we can think of is the capital transaction for the general public, because it will not affect anything at all if it is not ordinary for the group of people who deposit quasi-funds. I'm thinking of the ICBC ......The amount of savings, the amount of circulation, and the amount of commercial loans are large, and the flexibility is ......Personal opinion, FYI, hehe

It is not clear which bank exactly, but raising the reserve requirement is equivalent to a decrease in the bank's available funds.

Affecting banks' ability to borrow: Raising the reserve requirement ratio.

The amount of loans available to banks has decreased, and customers have borrowed from banks.

The difficulty increases, and the interest rate on the loan increases.

Influencing interest rates: Monetary policy is tightened.

It is conducive to curbing inflation.

If the reserve requirement ratio rises, there will be upward pressure on interest rates, which is a signal of a tight monetary policy. The RRR is specific to financial institutions such as banks, and the impact on end customers is indirect; Interest rates are specific to the end customer, such as the interest on your deposit, and the impact is immediate.

If you want to know more about this question, please read my answer carefully.

To understand this question, we must first understand what a reserve requirement is.

Let's use layman's terms, what does a bank rely on to make money? The most basic means is to absorb deposits and then issue loans to those who need them. Charge a higher interest rate to those who take out loans, and lower interest rates to those who make deposits. Banks make money on this interest rate differential.

So, we put money in the bank, and the bank will definitely not save all this money, but find people who need it and lend it to them so that we can charge them interest.

But the bank can't give out all the money as a loan, because it also has to deal with the withdrawal needs of depositors, and if all the deposits collected are released as loans, the bank will not be able to withdraw money from customers. So the bank can issue a loan, but at least keep a part of the funds to cope with the customer's withdrawal request. This part of the funds retained is called the reserve reserve.

Therefore, the People's Bank of China, as the manager of ordinary commercial banks, will stipulate a deposit reserve ratio for all commercial banks, such as 10 percent, which means that at least 10 percent of the deposits absorbed by each bank should be retained, or that the maximum amount of loans granted shall not exceed 90 percent of the total funds.

A higher reserve requirement ratio would mean that banks would have to keep more money and be allowed to lend less. To put it simply, the amount of loans issued by banks has been compressed.

Most of the individuals or enterprises who take out loans are used for investment, and the suppression of loans can also be understood as the suppression of investment. Because China's economy as a whole is showing a trend of overheating and overinvestment, the central bank announced an increase in the reserve ratio, that is, to curb the overheated economy, this kind of policy is called tight monetary policy.

The function of the reserve requirement ratio is that by adjusting the reserve ratio, banks can affect the credit expansion ability of financial institutions, thereby indirectly regulating the amount of money.

When the bank raises the statutory reserve ratio, the ability of the commercial bank to provide loans and create credit decreases. Because the reserve ratio increases, the money multiplier becomes smaller, thus reducing the ability of the entire commercial banking system to create credit and expand the scale of credit, and the result is that the monetary system of the society is tight, the amount of money is reduced, the interest rate is increased, and investment and social expenditure are reduced accordingly.

For example, if the deposit reserve ratio is 7%, it means that for every 1 million yuan of deposits absorbed by financial institutions, they must deposit 70,000 yuan of deposit reserves with the central bank, and the funds used to issue loans are 930,000 yuan.

1. The central bank's increase in the deposit reserve ratio is to force commercial banks to deposit a certain proportion of the bank's capital into the central bank's account as a deposit reserve, which is the deposit reserve ratio.

2. Raising the reserve requirement ratio can reduce the operating funds of commercial banks and reduce monetary liquidity to a certain extent.

3. However, the central bank needs to pay the corresponding interest on the deposit reserves deposited by commercial banks into the central bank account according to the deposit reserve interest rate.

4. However, there is a certain limit to the reduction of the operating capital of commercial banks, and the bank capital is composed of its own capital and institutional and public deposits, and the bank capital.

Limited by the capital adequacy ratio of banks, please refer to the capital adequacy ratio data of the three major state-owned commercial banks in 2006

2006 Interim Report-

Bank of China's capital adequacy ratio.

CCB's capital adequacy ratio.

ICBC's capital adequacy ratio.

5. Although commercial banks have reduced their impulse to lend and invest, they can earn interest on the deposit reserves paid by the central bank. The interest on the central bank's deposit reserves can only be printed by the printing press!

Imagine raising the reserve ratio to make a big leap forward and mention 50%, and commercial banks will be closed immediately! Socio-economic activities are also coming to a halt! It is like boiling frogs in warm water every month.

Reserve ratio, and not to take other comprehensive prevention and control methods, by 2012 regret too late!

6. Central Bank. The reserve ratio has been raised repeatedly, while the deposit interest rate of banks has been slowed down and increased, and the deposits of institutions and the public have been repeatedly looted and shrunk. I had to cross the sea with eight immortals, buy a house with more money, and Tun Salt with less money.

Keeping the renminbi stable is the ultimate way to reduce speculative investment.

Raising the reserve ratio will increase the reserves of commercial banks, and correspondingly, the loans of these banks will shrink less. As a result, the total investment in society will be reduced.

It has affected the bank's loans. It's that the banks have to control the loans. Tighten the monetary spine. It's just that I have more money to pay and less money, so I can't take out a loan.

It mainly affects the amount of funds available for banks to lend, and with it, the interest rate on deposits and loans. This is a way of regulating the country's monetary policy.

This time affects private enterprise loans!