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2015年央行对银行存款利息进行了调整,并对存款利率放开了限制。这一举动表明国家对银行的利率管制已经逐渐放手并将利率的发展推向市场化改革的新阶段。存款利率的调整不仅仅给整个经济领域带来了重大的影响,同时对于资金相关的领域也有着不可小觑的影响。本文将着重讨论银行存款利率对我国企业融资产生的影响,以及在这种变动下企业进行融资要做出的相应调整策略。
In 2015, the central bank adjusted interest on bank deposits and imposed restrictions on deposit interest rates. This move shows that the interest rate control by the state on banks has gradually been let go and the development of interest rates is pushed to a new stage of marketization reform. The adjustment of deposit interest rates not only has a significant impact on the entire economy, but also has an important impact on the financial-related fields. This article will focus on the impact of bank deposit rates on China’s corporate finance, as well as the corresponding adjustment strategy that enterprises should make in this kind of change.