央行加息的各种影响.ppt

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1、inInterestRatesinChinaTheSecondRiseContentsDetailInformation（张晓婧）Reasoning（文娅）TheImpactonEnterprises（张游）AdverseInfluence（梁晴雯）123ContentsAnalyst Views（严雯鹂）ThePositiveImpact（陈鸿）Finalprocessingandfinishing&words（王霜霜）DetailInformationThePeople'sBankofChinasaidtheone-yearle

2、ndinganddepositrateswouldgoupbyaquarterofapercentagepointsinceApril6,2011.ItemsInterestratebeforeadjustment%Interestrateafteradjustment%AdjustmentrangeDepositCurrentdeposit0.400.500.10Timedeposit3ms2.602.850.256ms2.803.050.251yr3.003.250.252yrs3.904.150.253yrs4.504.750

3、.255yrs5.005.250.25ItemsInterestratebeforeadjustment%Interestrateafteradjustment%AdjustmentrangeLoan6ms5.605.850.251yr6.066.310.251-3yrs6.106.400.303-5yrs6.456.650.20＞5yrs6.606.800.20ItemsInterestratebeforeadjustment%Interestrateafteradjustment%AdjustmentrangeIndividua

4、lhousingprovidentfundloans≤5yrs4.004.200.20.＞5yrs4.504.700.20ClickhereThegoaltoliftbenchmarkinterestratesbyPBOC:Reduceinflation:makingthepriceofcommoditieshigherandhigherCutnegativeinterestrateCauseofinflationRisingofthepriceofbulkstockImportedinflationliquiditysurplus

5、ThegloballiquiditysurpluscausedbyQuantitativeEasinginAmericacausedtherisingofthepriceofbulkstocksuchasthepriceofcrudeoil.Liftinginterestratestokeepmoremoneyinbankislikefeedingthetigerwithmoremeatsothatitwillstayinthecageandnotgoouttohurtothers.Throughthisway,therewillb

6、elessmoneyinthemarket.Thenliquiditysurpluswillbereducedmoreorless.That’stosay,inflationwillbereducedinthisaspect.ClickherebulkstockenergycommoditysuchascrudeoilagriculturalandsidelineproductsbasicrawmaterialClickhereInsteadofbeingcausedbydomesticmarket,Importedinflatio

7、niscausedbyforeigncountries’inflation.Indetail,theinflationofforeigncountryAinfluencesBcountrythroughinternationaltradeandcausesthepricelevelinBhigherandhigher.Inthiscase,therisingofinternationalcrudeoilpriceworsenedtheimportedinflation.ClickhereTheformertheone-yearyua

8、ndepositrateis3%andtheCPIis5%Infact,thedepositorgetanegativeinterestrateby2%.That’stosay,ifadepositorput10000yuaninth