Just! Net of Central Bank official releases announcement to show, the decision is right bank of collaboration of commercial bank of rural credit agency, country, country, bourg bank and it is only inside provincial administration area the city that run 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.
Announcing directional fall accurate while, the Central Bank still decides to rise to deposit money financial orgnaization above quota in the Central Bank from April 7 reserve interest rate from 0.72% reduce to 0.35% . To this, the Central Bank expresses about chief, 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.
This directional fall in allowing an object why to choose small bank? The Central Bank expresses about chief, 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.
Add answer the reporter asks:
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.
Interview and write: South reporter Tian Jiao
