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Anonymous users2024-02-07Lowering the reserve requirement ratio is a good thing! Why? It is because the current market currency is tight, and the overnight lending rate of banks has risen one after another, and reducing the deposit reserve ratio can release a certain amount of monetary liquidity and alleviate the insufficient demand for funds in banks and the real economy.
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Anonymous users2024-02-06Legal analysis: Lowering the reserve requirement ratio will increase the bank's loanable funds, so that the money will increase, which is a loose monetary policy.
Legal basis: "Circular of the People's Bank of China on Implementing the Differential Reserve Ratio System" Article 2 Implementation arrangements for the differential reserve ratio system. (1) Increase the deposit reserve ratio of financial institutions with a capital adequacy ratio of less than 4% by one percentage point, and implement it according to the deposit reserve ratio.
2) The People's Bank of China shall determine the financial institutions that should raise the reserve requirement ratio according to the 2003 financial regulatory statistics of the China Banking Regulatory Commission, and notify the relevant financial institution legal persons before April 1, 2004. (3) Financial institutions with a capital adequacy ratio of not less than 4% shall still implement the current deposit reserve ratio. The People's Bank of China will not notify you otherwise.
4) Wholly state-owned commercial banks, urban credit cooperatives, and rural credit cooperatives that have not yet carried out the shareholding system have suspended the implementation of the differential deposit reserve ratio system, and still implement the current deposit reserve ratio.
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Anonymous users2024-02-05Deposit reserve refers to the financial institution to ensure that customers withdraw deposits and fund settlement needs to prepare, is deposited in the first bank.
**The reserve requirement ratio is the ratio of the bank's required reserve requirement to its total deposits.
What are the effects of the RRR cut?
1. Decline in the income of wealth management products: According to past experience, the central bank lowered the reserve requirement.
After that, the bank's capital will become looser, so the investable property of the bank's wealth management may be reduced accordingly, and the purchase of bank wealth management products may occur.
, its yield.
It also declined, reducing our financial income.
2. Impact on the market: The market generally believes that the continuous RRR cut is conducive to alleviating the medium and long-term capital side of the market, and it still has a certain positive effect on the medium and long term. This RRR cut effectively alleviates the current tight capital situation and is conducive to the establishment of the bottom of the market.
3. Lizhen sells a good property market: for people who want to buy a house, this is undoubtedly good news, why do you say that, it is very simple, because the central bank releases property, the bank's follow-up property will become abundant, the bank's mortgage policy is expected to be relaxed, the pressure on home buyers will also be reduced, and the policy of increasing the down payment may also be appropriately relaxed. Therefore, friends who have the need to buy a house suggest that they can consider selling in the near future, after all, it is impossible for China's current housing prices to fall.
That's all for you on the impact of the RRR cut.
If the reserve requirement ratio is 20 percent, then depositors will have to pay 100 yuan to the bank, and the bank will have to pay 20 yuan to the central bank, and the bank will have less money to provide loans, and the corresponding goods will be less manufactured or circulated. There are generally monetary means to control inflation, monetary means are exchange rates and deposit reserves, and fiscal means are taxes, subsidies, etc. In China, reserve requirements are the norm to control inflation**, but abroad they are heavy**. >>>More
Monetary policy tools.
Monetary policy tools, also known as monetary policy instruments, refer to the policy instruments adopted by ** banks to achieve monetary policy objectives. Monetary policy tools can be divided into general policy tools (including statutory reserve ratio, rediscount policy, open market operations) and selective policy tools (including direct credit control, indirect credit guidance, etc.). >>>More
An increase in the reserve requirement ratio will put upward pressure on interest rates, which is a signal of a tighter 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. >>>More
Deposit reserve refers to the amount of money prepared by financial institutions in the bank to ensure that customers withdraw deposits and settle funds, and the proportion of deposit reserves required by the bank to its total deposits is the deposit reserve ratio. By adjusting the reserve requirement ratio, banks can affect the credit expansion ability of financial institutions, thereby indirectly regulating the amount of money. >>>More
The market economy naturally has the methods of the market economy, and although these methods cannot produce immediate results, they are effective means of adjustment. Hot money has the characteristics of hot money, such as concentration, such as short-termization.