论文部分内容阅读
随着中国经济的阶段性L形增长,中国的利率水平不断走低,根据中国人民银行发布的存款基准利率,中国的一年期整存整取定期存款利率已经降到了1.5%,创历史新低。根据方正证券首席经济学家任泽平的说法:以中国接近2%的CPI水平计算,中国已经进入负利率时代。负利率对生活的影响有哪些?一是持有现金就是让钱变纸的过程。众所周知,现金的持有是存在时间成本的,在负利率的状态下,持有现金的成本极高,如果将现金存在银行活期或者定期,
With the gradual L-shaped growth of China’s economy, China’s interest rates continue to decline. According to the deposit benchmark interest rate released by the People’s Bank of China, China’s one-year deposit and withdrawal fixed-rate interest rate has dropped to a record low of 1.5%. According to Ren Zhiping, chief economist at Founder Securities, China has entered the era of negative interest rates at a level close to 2% of China’s CPI. What is the impact of negative interest rates on life? First, cash is the process of changing money into paper. As we all know, there is a time and cost of cash holding, in the negative interest rate state, the cost of holding cash is extremely high, if cash is available in the bank or on a regular basis,