The three interest rate adjustments and two interest rate cuts have not significantly changed the gr

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The reasons why interest rates have fallen and savings have increased on the contrary are:

Interest rates are falling, and for residents, residents have an incentive to take money out of the bank and look for better investment opportunities, so part of residents' savings will be directly converted into investment, and then investment will increase, so it will lead to an increase in savings.

From another point of view, residents' savings are the loans that enterprises apply for from banks, and the loans used by enterprises are generally used for investment, and the banks will lend as much money to enterprises for investment as much as residents save, which is why the interest rate has fallen and savings have increased.

Extended information: 1. Since the beginning of 2018, monetary policy has tended to be loose, market interest rates have continued to decline, and bank wealth management yields have also continued. In addition, after the promulgation of the new regulations on asset management on April 27, 2018, the bank wealth management market is facing a major reform, and non-standard investment is not allowed to mismatch the maturity, and non-standard investment is an important driver to improve the yield of products.

2. The last time the central bank cut interest rates was on October 24, 2015, in which the one-year benchmark interest rate was lowered, which was the lowest level since the founding of the People's Republic of China. On the one hand, the deposit interest rate is too low, and on the other hand, the people's awareness of financial management has been continuously enhanced, resulting in a serious loss of bank deposits in recent years, and the growth rate of deposit scale has been declining.

In addition, bank loan interest rates were rising until the end of 2018, and mortgage interest rates were generally 10%-20% higher than the benchmark interest rate, and interest rate spreads were widening, so banks were allowed to raise deposit rates to absorb deposits.

3. How will the bank deposit interest rate and bank wealth management yield change next?

1) First of all, there is limited room for bank deposit rates to continue to rise. On the one hand, because lending rates have shown signs of falling, and interest rate spreads have begun to narrow; On the other hand, the deposit interest rate is still subject to the self-discipline pricing mechanism of the market interest rate, and has not yet reached a comprehensive marketization of interest rates.

2) Second, the yield of bank wealth management will fall further. In order to reduce the financing costs of small and medium-sized enterprises and private enterprises, market interest rates are expected to decline further, and bank wealth management will further reduce the stock, so on the whole, the yield of bank wealth management will continue to decline, but the decline will be narrower than in 2018.

The equilibrium condition of the <>is curve is i=s, and an increase in savings leads to an increase in investment (as is evident in Figure 3).

The increase in investment is premised on a decrease in the interest rate (Figure 2), and as a result, the IS curve reaches equilibrium at a lower interest rate. The IS curve shifts to the lower left (Figure 4), i.e., savings increase and interest rates fall (under the Is condition).

Usually savings are determined by income, and interest rates do not directly affect savings.

My aim is to increase the vitality of small and private enterprises and to promote the rapid recovery and functioning of the market economy.

Changes in interest rates will mainly have a greater impact on the macroeconomy, and it is the main tool used to regulate the macroeconomy.

1. The impact of interest rates on the macroeconomy mainly includes:

1. The impact on the structure of residents' savings and consumption, when the income level of residents is constant, the rise in interest rates will promote residents' savings and inhibit consumption.

2. For enterprises, the rise in interest rates increases the investment cost of enterprises, inhibits enterprise investment, and reduces commodity output.

2. Other effects of interest rate changes:

1. It has an important impact on the balance of payments, and raising the domestic interest rate can attract foreign capital inflow and reduce the deficit; On the contrary, interest rates should be lowered, foreign capital inflows should be restricted, and unbalanced surpluses should be regulated.

2. The impact on the exchange rate, when the interest rate rises, the credit crunch, the loan decreases, the investment and consumption decrease, and the price falls, which inhibits imports to a certain extent, promotes exports, reduces foreign exchange demand, increases the supply of foreign exchange, and promotes the decline of the foreign exchange rate and the rise of the local currency exchange rate; On the contrary, the exchange rate will fall.

By raising and lowering interest rates, people are willing to save and borrow, and the amount of money in circulation in society is controlled, which affects prices and investment.