According to Central Bank latest news, develop to support hypostatic economy, promote increase the supportive strength of small small company in be opposite, reduce social financing real cost, decision of Chinese people bank is right bank of collaboration of commercial bank of rural credit agency, country, country, bourg bank and it is only inside provincial administration area administrative city the commercial bank is directional reduce deposit reserve to lead a percent, will divide on May 15 at was being mixed on April 15 second carry out reach the designated position, reduce 0.5 percent every time, release long-term financing to make an appointment with 400 billion yuan in all. In the meantime, the decision rises to deposit money financial orgnaization above quota in the Central Bank from April 7 reserve interest rate from 0.72% reduce to 0.35% .
Ask: Is small bank directional in be opposite further excuse me how to fall to support hypostatic economy definitely?
Answer: This directional fall to be able to release long-term financing to make an appointment with 400 billion yuan definitely, average every small bank can obtain long-term financing to make an appointment with 100 million yuan in the home, in increasing effectively, small bank supports the stable financing source of hypostatic economy, still can reduce bank financing cost to make an appointment with 6 billion yuan every year, conduct through the bank be helpful for promoting reduce small loan of business of small, civilian battalion is actual interest rate, support hypostatic economy directly. This directional fall accurate cent was mixed on April 15 will carry out twice on May 15 reach the designated position, prevent one-time release cause fluidity deposit too much, ensure fall the total capital that in allowing, small bank will obtain is cast with inferior interest rate to in small small company.
Fall this after allowing, those who exceed 4000 is medium small bank savings kind financial orgnaization (include bank of collaboration of commercial bank of rural credit agency, country, country, bourg bank, financial company, finance to rent company and car banking firm to wait) deposit reserve is led already fell to 6% , go up from our country history and developing country circumstance looks, the deposit reserve of 6% is led is lower level.
Ask: Excuse me this directional fall in why allowing an object to choose small bank?
Answer: This second directional in falling to be faced definitely small bank, include two kinds of orgnaizations, one kind is commercial bank of rural credit agency, country, country the rural finance orgnaization such as cooperative bank, bourg bank, another kind is the urban commercial bank that runs inside provincial administration area only. Obtain directional fall those who allow fund is medium small bank has nearly 4000, in bank system domestic number is occupied than for 99% , the amount is numerous, widespread, basic level of place of base oneself upon, take root, it is the fundamental strength of small small company in the service. In be being reduced further, reserve of small bank deposit is led, the capital actual strength of small bank in increasing, conduce to guide its with more favourable interest rate to in small small company provides loan, enlarge experience farming, foreign trade and the credit that get epidemic situation to affect more serious industry to put in, enhance the supportive strength that restore and develops to hypostatic economy.
Ask: Why is the Central Bank reduced above quota reserve interest rate?
Answer: Above quota reserve is to deposit money the orgnaization is in kind of finance pay is full after legal reserve, deposit the money in the Central Bank of one's own accord, control independently by the bank, can use at the need such as cash of liquidation, extraction at any time. People bank is right above quota reserve pays interest, its interest rate is above quota reserve interest rate, 2008 from 0.99% reduce to 0.72% hind, did not do all the time adjust. This Central Bank general above quota reserve interest rate by 0.72% reduce to 0.35% , can drive a bank to raise capital to use efficiency, stimulative bank serves hypostatic economy better especially in small small company.
Be worth what carry is! On March 13, the Central Bank announces, develop to support hypostatic economy, reduce social financing real cost, the decision carried out Pu Huijin on March 16, 2020 be in harmony is directional fall accurate, directional to reaching the bank that checks a level fall accurate 0.5 to a percent. It is besides this, the share-holding system commercial bank to according with a condition is again additional and directional fall allow a percent, support extends domain of general benefit finance borrows money. Above is directional fall to release long-term financing in all definitely 550 billion yuan.
In addition, according to standing conference had the State Council on March 31 small bank is directional in be opposite fall to had had clear directive definitely: In be opposite for aggrandizement support of finance of sex of benefit of general of small small company, in increasing, small bank borrows money again rediscount forehead spends 1 trillion yuan, carry out further small bank is directional in be opposite fall accurate, the total capital that in guiding, small bank will obtain with favourable interest rate to in small small company borrows money, enlarge experience farming, foreign trade and the credit that get epidemic situation to affect heavier industry to put in. Supportive finance orgnaization issues bond of 300 billion yuan of small small finance to be used at extending small small loan. Guide company credit kind bond net financing adds 1 trillion yuan many years than going up. Annual of small small company is receivable in promoting Zhang fund financing 800 billion yuan.
Chief researcher Wen Bin represents bank of the people's livelihood, too directional fall to wait for a few concrete step definitely, basically be the financing source problem of small bank in solving, the capital cost of small bank in be being reduced at the same time, in guiding, small bank increases the supportive strength of general benefit finance, as in be opposite, small bank is carried out directional fall accurate, state-owned now bank of big travel, share-holding system, policy sex bank and in small bank is on Pu Huijin be in harmony had corresponding requirement and policy measure, play of system of general benefit banking compares a dominant position severally, financing of small small company is difficult in be being solved better, the issue with expensive financing, alleviate the negative effect that epidemic situation brings.
In Shang Zhiku is presiding researcher Li Jianjun thinks, in giving, small bank rediscount borrows money again -727379968 yuan are mixed in be aimed at of small bank directional fall accurate, it is to ensure add loan newly to be able to be mixed quickly successful arrival in enterprise hand, alleviate industry a pressing need, also be on guard the debt risk with potential business, and enlarge the financial orgnaization fraction defective that cause to rise from this and potential banking venture. answer of go back to work produces a course in, restore and enlarge production and answer hillock obtain employment after making sure the company does not go broke to just can be to offer assure, make economy accelerate anabiosis, reduce the effect with periodic to economy epidemic situation.
Notable is, liu Guojiang points out assistant president of Chinese people bank, current taking one with another, loss of whole of course of study of Bank of China absorbs ability stronger, the risk resists the ammunition is enougher. To 2019 end, bad loan leads Chinese commercial bank 1.86% , far under the superintendency standard of 5% . Dial equipment to enclothe leading is 186.08% , loan loss prepares remaining sum to achieve 4.5 trillion yuan, should rise to fraction defective cushion rubber is enough.
Zhou Liang of vice-chairman of the silver-colored meeting that keep watch emphasized a few days ago, in respect of bank capital complement, still can continue to widen this year channel, issue all sorts of capital for instance compensatory bond, preferential, common stock, increase complement of capital of sex of the source inside the bank.
Notable is, although fall to lower interest definitely,be right the market is the news with apparent good profit, but to A the stock market, the operation that has falling allowing to lower interest as a result of Central Bank of a lot of moment can be good be shifted to an earlier date to anticipate by the market, because this is certain,can make go out to rise now to stock market morrow entirely. On March 13 the Central Bank is directional falling is definitely, card index morrow drops greatly on 3.4% , become greatly point to drop greatly 5.34% , drop pass apparently big.
Data shows, come nearly 10 years, the Central Bank has made more than 20 times lowering interest fall to be operated definitely in all, morrow A rise the frequency is 11 times, get the better of on average rate is only 55% .
Accurate to falling this, on April 7 tomb-sweeping day holiday the A that come back whether record so that rise prices, remain to observe.
