Will bank interest rates rise or fall in the next five years?

The people of our country like to keep their money in the bank, so there are many considerations for whether the bank interest rate will rise or fall in the next five years, and the bank deposit interest rate is based on the central bank.

The benchmark interest rate fluctuates up and down for reference.

Overall, the current monetary policy.

It is loose, and the possibility of raising the probability of deposit and loan is relatively small, but there are differences in deposit interest rates between different banks, due to the impact of the epidemic on the overall decline of the global economy, but because the central bank's guiding role still exists, China's deposit and loan interest rates remain at a high level.

Under the general trend of global interest rate cuts, it is difficult to avoid the trend of interest rate cuts in China, and there should be a wave after the epidemic, which may last for a long time at a high level, because China's economic growth rate will still be better than that of other countries, but so far, interest rates will fall by a wave, because global capital can only choose China now, resulting in a decline in Chinese capital.

In the next five years, the central bank's deposit guidance interest rate is likely to remain stable or even fall, but combined with the market of small and medium-sized commercial banks and credit cooperatives.

It is possible that the deposit rate will rise sharply on the basis of the central bank's guidance rate in order to stand out from the competition.

Therefore, in the next five years, China's interest rate is likely to rise or fall.

Expansion: The direct factors affecting the interest rate are the level of the average profit rate, the supply and demand of funds, the risk of borrowing funds, the length of the loan term, and the expected price level, which will affect the fluctuation of interest rates, but the main factors are the average profit rate, the supply and demand of funds, inflation, and policy factors. Socialist market economy.

The interest is still as part of the average profit, hence the interest rate.

It is also determined by the average rate of profit, and the level of profit depends first of all on the level of the average rate of profit of the society.

Interest rates act as a kind of ** index.

It is one of the important indicators to measure the economic development of the whole society and the economy, as an important economic lever.

Interest rates also play an important role in the country's macroeconomic regulation and control system, and changes in interest rates and interest rate policies have a significant impact on banks' risk-taking, profitability and business strategies. Therefore, China will enact various policies to maintain stable profits.

In the next 5 years, there is a high probability that bank interest will fall, because in recent years, it is generally not very good, so there is a high probability that the interest rate will not rise, but even if it falls, it will not fall much.

I think there is a high probability that it will rise in the absence of a financial crisis, because with the development of investment and financial management, banks can only raise interest rates to attract people to save money if they want to introduce cash flow!

Rise, because the situation in the bank is very serious now, and many people don't like to keep money in the bank, so the interest rate will rise.

In the long run, interest rates will definitely be lower and lower, and of course, it will also depend on the situation in the financial market, and the specific situation will be analyzed on a case-by-case basis.

At this stage, almost all the opportunities in all walks of life have been tapped, except for a few high-tech fields, the investment opportunities in traditional industries are very limited. However, the high-tech industry is high-risk, high-return, and may be loss-making in the early stage of entrepreneurship, focusing on equity pledge financing rather than relying on equity financing from banks. This also means that the gross profit margin of the money borrowed from the investment is based on the bank's lending.

In the medium and long term, it appears to be declining. The money earned from the project investment will be less, and the interest on the loan will naturally be reduced.

Large, medium and small local commercial banks, the development and competition of the must, and the planning of their operations, a lot of assets, and the commercial bank market competition is fierce, there are currently more than 4,000 several, to stand out, preferential interest rate is one, to attract assets to pull deposits secret**. As far as the specific situation of this year is concerned, due to the impact of the epidemic, in March** market.

Bond markets have all fallen, and inflation expectations have fallen significantly, which is most evident in foreign markets, and the Federal Reserve.

The meeting began with action to set the annual interest rate.

Reduced to 0% of the segment, <>

And many ** banks in other countries.

Interest rate cuts have also been tracked, and liquidity traps have even appeared in some countries.

However, in China, some other measures have been taken to maintain the expectation of inflation, such as the central bank's RRR cut, treasury bond issuance, and increasing subsidies to enterprises, but there is no nominal central bank interest rate cut. At this particular stage this year, the central bank has not been able to cut interest rates, and don't expect the new crown epidemic.

After stabilization, the central bank will cut interest rates. As far as China's current situation is concerned, the import and export will encounter more tests in the future, and the data information can be more targeted after deducting the import and export of epidemic prevention materials. Overseas social order is still in the process of repairing, and the consumer market is declining, which endangers domestic export enterprises, which is also the fundamental reason why some enterprises want to turn to domestic sales.

The economy is the foundation of finance, but the financial industry must be based on economic development, to cope with the difficult recovery of the world economy, five years to completely get rid of the predicament may not be enough, in the globalization of economic development.

Today, it is impossible for everyone to protect themselves. Obviously, from the current world economic development situation, the vast majority of European and American countries are still suffering from the new crown epidemic puzzle, the feeling of the strong country has not yet occurred a turning point, the company is suspended, workers are laid off, and the import and export ** has dropped sharply, resulting in these harms, maybe it is really difficult to fill in another 5 years, not to mention the problem of economic development activity or investment and consumption overheating, so the pressure of the global economic downturn still needs a long time to be released. As a result, the annual interest rate will continue to decline.

In the next 5 years, the bank interest rate should be lowered in the spring of the bridge, and the interest rate of the bank will be reduced in Li Nai this year, and the development of the financial industry in recent years is not particularly good, and the bank interest will be lower and lower.

I think it should be a reduction in interest. Now that the market economy is sluggish and the property market is sluggish, the bank auction will pass the policy of reducing interest rates to alleviate the embarrassing situation of the Yuhe people to solve the property market.

Hello, I personally think that bank interest will fall in the next five years. Because the current opportunities in all walks of life have been basically tapped, except for a very small number of high-tech industries, investment opportunities in traditional industries are very limited. However, the high-tech industry is high-risk, high-return, and the start-up period may be loss-making, and it is more inclined to raise funds through equity rather than through banks' debt financing.

This means that the profit margin of the money lent out for investment through bank lending will decline in the medium to long term. The less money you make from investing, the less interest you make.

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<> Zhongyuan Bank's original E flower interest will not change with the interest rate cut, and now the 1-year personal loan interest rate is adjusted to be priced according to LPR, which is no longer affected by the central bank's benchmark interest rate, so the central bank's benchmark interest rate will not be reduced.

Only if the LPR changes, the original E spend will be repriced at the previous month's LPR rate on the repricing date. If the maturity date of the original e-spend is before the repricing date, the interest will be executed according to the interest rate given by the bank, and the final interest rate applied will be subject to the loan contract.

The interest rate of Zhongyuan Bank's original e-flower is high, because the user's credit qualification conditions are average. The interest rate of the original e-spend loan is determined by the system evaluation, and the better the user's credit qualifications, the lower the loan interest rate of the original e-flower. On the contrary, if the user's credit qualification conditions are average, but they just pass the evaluation of the system, then the loan interest rate of the original e-flower will be high.

The interest rate of the original e-flower loan is not fixed, as long as the user's credit qualification conditions improve, the system may reduce the interest rate of the original e-flower loan after re-evaluation.

Yes, if the benchmark interest rate falls, then the interest rate on the loan for the house that has already been purchased will also fall.

The home loan contract is generally a floating interest rate, which is linked to the benchmark interest rate of the loan. As long as the benchmark interest rate is lowered, most of the remaining principal and interest will be recalculated from the following year, and the monthly repayment amount will change. With a lower benchmark interest rate, new buyers of high-end homes can also enjoy lower loan interest rates according to the original increase rate.

For those who have already purchased a house, if the benchmark interest rate is lower, according to the current policy, the contract period is more than one year, and the new interest rate standard will be implemented according to the corresponding interest rate level.