What are the disputes between banks and people?

The disputes between banks and ordinary people mainly involve deposits and loans, and both are disputes related to interest rates and interests.

Banks are financial enterprises, support the temporary need of funds for difficult households, provide financial help, and the bank must maintain credibility, the occurrence of a loan relationship is a win-win thing, if the people are provided with financial support, then the loan must uphold the credibility, repay on time, pay interest. If the loan is not repaid within the time limit, the bank will use the law to recover the loan, and then there will be a dispute with the people who took out the loan. As long as you don't deal with the bank, there will be no disputes.

The deposit reserve is the amount of money prepared by the financial institution in the bank to ensure that the customer needs to withdraw deposits and liquidate funds, and the proportion of the deposit reserve required by the bank to the total deposit 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. The statutory reserve requirement ratio is an important component of the reserve requirement system.

The reserve requirement ratio is that the financial institution must deposit a part of the deposit in the ** bank, which is called the deposit reserve; The ratio of reserve requirement to total deposits of financial institutions is called the reserve requirement ratio.

Deposit reserves have become an important tool of financial policy in various countries, raising deposit reserves can freeze more money, reduce the amount of money in circulation, generally used when there is inflationary pressure, it is very effective in curbing economic overheating, and raising deposit reserves is used at the same time as raising interest rates.

The reason for these increases in the reserve requirement ratio is that the amount of money in circulation in the country is too large, and a large amount of capital (including foreign capital) flows into the property market, which makes the stock price and property price inflated, and there is a bubble, and the state adopts macroeconomic control policies. After seeing the effect, there will be a large amount of funds withdrawn from the ** and property market to restore its original appearance. At the same time, the decrease in currency circulation also discouraged investment.

If interest rates are raised again, the cost of investment will increase, which will affect employment to a certain extent.

Raising the reserve requirement ratio can also make the national currency appreciate, which has already worked, and the yuan has risen against the dollar. The cost of foreign investment in China has increased, which can discourage foreign investment into the country to a certain extent. Of course, if foreign capital is aimed at China's ** and property market, this is a good thing for the Chinese people.

However, the appreciation of the national currency is not conducive to exports, which is due to the increase in the country's export products and the reduction of competitiveness in the international market, which affects the efficiency of domestic export enterprises to a certain extent, and also affects employment.

In short, the author believes that the state's macroeconomic regulation and control policy is aimed at the healthy development of China's market economy and is beneficial to the country and the people. The author believes that the intervention in the property market should be increased, so that the property price can really come down, so that the people can really shift the focus of consumption from housing, and do not have to save money for housing for a lifetime, so that it is possible to really promote domestic demand, make the market truly prosperous, and then make the people really rich.

Based on what you described, you are saying that the banks and the people have deposits.

Money disputes, so this dispute can be divided into two kinds: 1. The amount of money saved is not the same, etc.

What are the banks and the people? In fact, there is no dispute between the bank and the people.