电大金融学讲义

《电大金融学讲义》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、金融学讲义（3）金融学讲义第六章利息与利息率第六章利息与利息率12三、利率的决定和影响因素3四、利率的风险结构与期限结构4一、利息与收益的一般形态二、利率的种类4５五、利率的作用、环境、条件七大央行降息中国央行：存款准备金率：↓0.5%(15日起)存贷款基准利率：↓0.27%(9日起)利息税：免征(10月9日起)美联储：从2%降至1.5%欧洲央行：4.25%→3.75%英国央行：5%→4.5%瑞典央行：3%→2.5%瑞士央行：1.75%→1.25%加拿大央行：3%→2.5%07--08年利率与CPI美国联邦基金利率走势金融机构人

2、民币贷款基准利率单位：年利率调整时间六个月以内（含六个月）六个月至一年（含一年）一至三年（含三年）三至五年（含五年）五年以上1991.04.218.108.649.009.549.721993.05.158.829.3610.8012.0612.241993.07.119.0010.9812.2413.8614.041995.01.019.0010.9812.9614.5814.761995.07.0110.0812.0613.5015.1215.301996.05.019.7210.9813.1414.9415.121996.

3、08.239.1810.0810.9811.7012.421997.10.237.658.649.369.9010.531998.03.257.027.929.009.7210.351998.07.016.576.937.117.658.011998.12.076.126.396.667.207.561999.06.105.585.855.946.036.212002.02.215.045.315.495.585.762004.10.295.225.585.765.856.122006.04.285.405.856.036.12

4、6.392006.08.195.586.126.306.486.842007.03.185.676.396.576.757.112007.05.195.856.576.756.937.202007.07.216.036.847.027.207.382007.08.226.217.027.207.387.562007.09.156.487.297.477.657.832007.12.216.577.477.567.747.832008.09.166.217.207.297.567.742008.10.096.126.937.027

5、.297.472008.10.306.036.666.757.027.202008.11.275.045.585.675.946.122008.12.234.865.315.405.765.94金融机构人民币贷款基准利率单位：年利率%金融机构人民币存款基准利率单位：年利率%调整时间活期存款定   期    存   款三个月半年一年二年三年五年1990.04.152.886.307.7410.0810.9811.8813.681990.08.212.164.326.488.649.3610.0811.521991.04.211.8

6、03.245.407.567.928.289.001993.05.152.164.867.209.189.9010.8012.061993.07.113.156.669.0010.9811.7012.2413.861996.05.012.974.867.209.189.9010.8012.061996.08.231.983.335.407.477.928.289.001997.10.231.712.884.145.675.946.216.661998.03.251.712.884.145.225.586.216.661998.0

7、7.011.442.793.964.774.864.955.221998.12.071.442.793.333.783.964.144.501999.06.100.991.982.162.252.432.702.882002.02.210.721.711.891.982.252.522.792004.10.290.721.712.072.252.703.243.602006.08.190.721.802.252.523.063.694.142007.03.180.721.982.432.793.333.964.412007.05

8、.190.722.072.613.063.694.414.952007.07.210.812.342.883.333.964.685.222007.08.220.812.613.153.604.234.955.492007.09.150.812.883.423.