论文部分内容阅读
利率市场化不仅对金融机构、企业生产经营产生重大影响,也将对家庭理财、个人投资消费产生深刻影响,引导人们进入一个全新自由的投资理财天地。因为利率市场化之后,利率不再象以前由人民银行来统一制定了,各家商业银行可以根据市场情况和自身资金状况,采取差异化经营策略,自主决定存贷款利率。不同银行间同一币种和档期的利率将会不一样,即使是同一银行中相同的币种,相同的档期,也可以因为存款金额大小不同而有几种利率档次。这样一来,银行金融产品的花色品种更丰富了,客户选择的余地更大了,客户就可以象
The marketization of interest rates will not only have a significant impact on the financial institutions and enterprises’ production and operation, but also have a profound impact on family wealth management and personal investment and consumption, and will lead people into a completely new world of free investment and finance. Since the interest rate liberalization, the interest rate ceased to be unifiedly formulated by the People’s Bank of China as before. Commercial banks can adopt differentiated management strategies based on the market conditions and their own financial conditions and independently decide the interest rates on deposits and loans. Different banks will have different interest rates for the same currency and schedule. Even for the same currency in the same bank, the same schedule can have several interest rates due to the amount of the deposit. As a result, bank financial products more abundant color varieties, customers have more choice, customers can like