01
is related to your deposit interest!
Starting from September 15, deposit income will usher in important changes.
IBOC , Agricultural Bank , BOC , BOC , CCB , BOC , BOC , BOC , Post Savings Bank , China Merchants Bank issued an announcement stating that the interest rate of RMB deposit listing will be adjusted from the 15th.
Among them, the interest rates of three-year fixed deposits and large-denomination certificates of deposit were reduced by 15 basis points, the interest rates of one-year and five-year fixed deposits were reduced by 10 basis points, and the interest rates of current deposits were reduced by 0.5 basis points.
Interest rate drops, deposit interest decreases. This doesn’t seem like good news to the people no matter how you look at it!
Moreover, industry insiders pointed out that the reduction of large banks is just a "first move" and more banks will follow up. Overall, the downward trend of risk-free interest rates in my country's market will be a long-term trend. Why should
be down-regulated? What is the reason?
02
Why should we lower the deposit interest rate?
(1) Residents "love saving money too much"!
Only by combining funds with the real economy can the market be activated, but current residents deposit more money in the bank.
From the two sets of data in the first half of 2022, you can feel that everyone "loves to save money":
① At the end of June, the scale of household deposits was 112.8 trillion yuan, an increase of 10.3 trillion yuan from the beginning of the year, and an increase of 2.9 trillion yuan year-on-year.
② The deposit scale of enterprises is 74.9 trillion yuan, an increase of 5.3 trillion yuan from the beginning of the year and an increase of 3.1 trillion yuan year-on-year.
In addition, according to the 2022 second quarter urban depositor questionnaire survey report released by Central Bank :
① 58.3% of residents who tend to "more savings" account for 58.3%, an increase of 3.6 percentage points over the previous quarter;
② 17.9% of residents who tend to "more investments" account for 3.7 percentage points less than the previous quarter.
Not only do you like saving money now, but you also need to save money when you have money in the future!
(2) The bank "can't hold on"!
As a deposit-absorbing and lending institution, the profit comes from the interest spread, that is: the bank's profit = loan interest rate - deposit interest rate.
Since this year, the central bank has lowered the MLF interest rate twice and LPR interest rate three times.
As of now, the 1-year LPR has been reduced by 15 basis points this year, and the 5-year LPR has been reduced by 35 basis points this year, which shows how strong it is. The money earned by
is decreasing, so if you don’t reduce it, it’s unreasonable!
In particular, the central bank proposed in the monetary policy implementation report in the first quarter: the future adjustment of bank deposit interest rates will be comprehensively referred to the 10-year treasury bond yield and the 1-year LPR interest rate level.
. Judging from the trends of the two reference interest rates, the decline in deposit interest rates is of course expected.
(3) The country should make the economy develop!
Currently, the downward pressure on the economy is relatively high, coupled with factors such as the spread of the epidemic. In order to better support the real economy, the financial management department has taken many measures to make deposit interest rates one of the means.
On the one hand, it makes more people willing to withdraw money from banks for investment and consumption, and stimulate domestic demand.
On the other hand, the decline in deposit interest rates will help alleviate the dilemma of "difficulty in financing" of small and micro enterprises, reduce corporate financing costs, and stimulate the growth of the real economy.
03
How to maintain and increase the value of the money in your hands?
Originally, in the context of rising prices, it was difficult for bank deposits to preserve wealth. Now that the deposit interest rate has fallen, it is even more difficult to ensure that residents' wealth does not depreciate.
Many residents who have enough money naturally think of "buying a house" to maintain their value.
But the negative view of the real estate market also makes everyone worry, is it still feasible to "buy a house"? You don't have to worry too much! Because:
➤ Real estate has directly driven more than 60 upstream and downstream industries
including various industries in various links such as land, building materials, construction, sales, and decoration. It can be said that it can move the whole body in one go. If the real estate engine is out of business, how will the economy of the entire industry cycle?
➤ The upper level emphasizes "housing for living, not for speculation", suppressing speculators who make profits, not blindly suppressing real estate. Maintaining the healthy and stable development of real estate is what the policy level has always emphasized.
➤ On September 14, at the press conference of "The Ten Years of China", the Ministry of Housing and Urban-Rural Development released a set of data:
① In the past ten years (2012-2021), the cumulative sales area of commercial residential buildings was 13.234 billion square meters, which is 2.2 times that of the previous decade.
② In 2021, China's total output value reached 29.3 trillion yuan, 2.1 times that of 2012; the added value reached 8 trillion yuan, accounting for 7% of GDP to recruit more than 50 million people.
Real estate is connected to people's livelihood on one end and to develop on the other end. The Ministry of Housing and Urban-Rural Development and other relevant departments have clearly stated that they will continue to do a solid job in promoting the stable and healthy development of the real estate market.
Of course, this does not mean that you can achieve your goal by buying a house casually! Whether a house can maintain value and increase value must be viewed from the perspective of transactions. To buy a "more valuable house". For example: identify brand real estate companies, brand properties, core locations, perfect supporting facilities, high-quality apartment types and other indicators. This will allow your money to maintain value and increase value.
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