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近年来,中国人民银行加强了对利率工具的运用,利率调整频繁,从2007年开始,住房公积金贷款利率不但大大低于商业性贷款利率,而且还低于存款利率.这样会使住房公积金管理中心面临着是提高资金的使用率还是收益率的两难选择,会虚增贷款需求,同时加大贷款需求的压力,如果资金不能全国流动的话,在某些发达地区,这项政策就有可能是画饼充饥,影响到更多人的受惠.因此,住房公积金贷款利率不宜低于存款利率,可以实行浮动利率政策和动态利率政策.
In recent years, the People’s Bank of China has strengthened the use of interest rate instruments with frequent interest rate adjustments. Since 2007, the interest rate for housing provident fund loans has been significantly lower than commercial loan interest rates, but also lower than the deposit interest rates. This will enable the Housing Provident Fund Management Center Faced with the dilemma of increasing the utilization rate of funds or the rate of return, it will inflate the demand for loans and at the same time increase the pressure on loan demand. If the funds can not flow across the country, in some developed regions, this policy may be craving , Affecting the benefit of more people.Therefore, the housing provident fund loan interest rate should not be lower than the deposit interest rate, you can implement the floating interest rate policy and dynamic interest rate policy.