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今年2月21日,中国人民银行再次降低了金融机构人民币存贷款利率,各项存款年利率平均下调0.25个百分点,其中活期存款利率由0.99%下调到0.72%,一年期定期存款利率由2.25%下调到1.98%。这是自1996年以来人民银行第八次降息。在这么低的利率水平下,居民储蓄可得的利息很少。如果为了收息盈利,存款已变得很不划算。人民银行接连把利率降低和开办个人消费信贷业务,目的只有一个:刺激市场需求,让没储蓄和储蓄少的借钱投资、借钱消费,有储蓄的多投资、多消费、少存款。
On February 21 this year, the People’s Bank of China once again lowered the interest rates on renminbi deposits and loans of financial institutions. The interest rates on deposits were down 0.25 percentage points on average. The demand deposit rate was reduced from 0.99% to 0.72%. The one-year time deposit interest rate was 2.25% % Down to 1.98%. This is the eighth rate cut by the People’s Bank since 1996. At such a low interest rate, there is very little interest available to residents for savings. Deposits have become uneconomical if they are for profit. The People’s Bank of China has successively lowered interest rates and started a personal consumer credit business with only one objective: to stimulate market demand, make borrowing without investment and savings, invest money, save more, invest more and save less.