After the epidemic, people s deposit rates are generally low, what impact does this have on banks?

After the epidemic, the people's deposit rate is generally low, which has a great impact on banks, and the deposits available to banks will become less when the deposit rate is low, which means that the bank's income will be greatly reduced, but the expenditure will not be less, plus the loan overdue during this period, so the impact on the bank is particularly large, and some banks even have to face lossesAnd this situation may continue for a long time, although no one wants to do this, but this is also a thing that cannot be helped, the bank is facing losses, and our lives are not good enough.

During the epidemic, we experienced the longest holiday in history, and it was all the people in the country, during this period of time, the factory was suspended, the enterprise was suspended, and many people's economy was cut off, and the salary from the previous year has not been paid until now, and I am one of them, I have been resting since the annual leave, and the salary has not been opened because I have not gone to workAnd it's not just me, it's like a lot of people, the income is gone, but they still have to spend, and the price is much higher during the epidemic, but the expenses are greater than usual.

If it weren't for the fact that I have a deposit, it is estimated that it will be difficult to live, in fact, I am still good without a car loan, no mortgage, and with savings, some friends around me have borrowed money to survive during this time, because it is very difficult for everyone to spend normally and repay the mortgage and car loanMany people's bank loans are also overdue, no one wants to be overdue, but now this is the case, there is no better way, although the work is now resumed, but there is money must be paid off first, and then have to spend, deducting these basically there is nothing left.

Therefore, during this period of time, very few people will make deposits, so in order to attract more people to deposit, it is necessary to raise the deposit interest rate, and at the same time reduce the loan interest rate, but even if this is done, it may still not be able to change this situationBecause this epidemic has really hurt everyone's vitality, whether it is a business or an individual.

Interest rate spread - the interest received on the loan minus the interest paid on the deposit, for the bank, the interest rate on the loan is lowered, either it loses its own income, or it has to follow the deposit interest rate lower.

A decrease in the interest rate on deposits means that banks are depositing less money, outflows are increasing, and loans are increasing. Banks' business volume will decrease accordingly, and the demand for wealth management products may increase.

This will make the bank less and less business, and the money in the bank will be less and less, which will affect the development of the economy.

I feel that the impact is quite big, they have no income, so they can't borrow a lot of money from other companies to charge high interest, and they have to pay the salaries of the staff.

In this way, the bank will lack money to give some loans, and a lot of funds will not be able to circulate normally. This is a relatively powerful gag, and the impact is super big.

According to the relevant data released by the central bank, residents' deposits increased in the first half of 2022, and people's awareness of deposits has become stronger. It is believed that the change in residents' consciousness has a lot to do with the epidemic, under the influence of the epidemic, many enterprises have suffered huge losses, and at the same time, because of the epidemic prevention and control, many stores have closed down, people have lost the source of economic noise, and they have become more cautious when spending money. There are many unstable factors in the future, and people will have a relatively strong sense of saving.

The emergence of the epidemic has affected people's lifestyles, and when there is no epidemic, people usually go to dinners, parties, clubbing, karaoke and play board game scripts in their free time, but for the sake of epidemic prevention and control, people are more at home and rarely have the opportunity to go out. People are now generally staying at home, changing their social patterns, spending less time to hang out, and to a certain extent, not having the opportunity to spend money. People's desire to spend is greatly reduced, money is naturally saved, and people will also find more and more savings.

People usually wear masks when they travel now, and many female friends have reduced the frequency of makeup for convenience, further reducing expenses. The pandemic can be said to have affected all aspects of people, people used to work out in the gym, but now people prefer to work out at home. People find that there's nothing wrong with staying at home, not only saving time, but also money.

Many people have the habit of traveling every year, but the epidemic situation is still very serious, and many people have given up on their travel plans. <>

Many people have lost their jobs during the epidemic and are in the stage of looking for a job, and the lack of a key disturbance will make people increase their willingness to save one after another. Middle-aged people are in the stage of being old and young, and the pressure of life is very heavy, so in order to be able to continue the stability of the family, it is inevitable to reduce some expenses. I found that my life has changed a lot, and I didn't think too much about buying things in the past, but now I think more about the cost performance, and at the same time, I have reduced some unnecessary expenses.

I think Yu Hua has nothing to do with the epidemic, they have a strong sense of savings, mainly because they have a lot of salary, and they know how to manage money, and it is safer to put money in the bank, so they have raised their awareness of savings.

I think that the people's awareness of savings is very related to the epidemic situation, because the impact of the epidemic is still very large, and everyone has the awareness of saving money and hoarding goods in case of emergency.