1, deposited in the bank.
If you want to save your money, whether you consider bank or third-party custody, the increase in bank interest will definitely make friends with more deposits earn more money. This truth is obvious and needs no further explanation.
2. Deposited in a third-party financial institution.
The interest of third-party financial institutions is generally higher than that of banks. If the bank's interest rate increases, the third-party financial institutions will be higher. In this case, investors and depositors will earn more than before.
3. Borrow from banks and third-party institutions.
The higher the deposit interest, the higher the loan interest. In this case, it means that the cost of borrowing funds will increase, so the loans to banks will decrease, which means that the funds circulating in the market will decrease, consumption will shrink and economic growth will be restrained. On the contrary, if interest rates are lowered, bank loans will increase, funds in the market will increase, consumption will expand and economic growth will be stimulated.
4. Affect life
To give a simple example, everyone is concerned about the mortgage problem. As the deposit interest rate rises, the mortgage interest rate will naturally rise. The original interest will increase, and the original monthly repayment will also increase. This example is the most basic reason that can reflect the rise of bank interest.
Bank interest rate is the central bank's control over the overall economic situation, and then make adjustments. It is urgent to combine people's feelings and refer to the world economic situation. The highest bank interest rate in China's history was 5.4 in the 1950s, and now the lowest interest rate is 0.35. It can be said that it has plummeted all the way. If interest rates rise, it is normal, and it is not the first rebound in history.
If you don't need deposits or loans for your own funds, you don't have to worry about what impact these will have on your life.
Hello, business letters are mixed, a pseudo-ceo who interprets business from an objective perspective.
The increase of bank interest, including the increase of deposit interest rate and loan interest rate, is closely related to our life, but sometimes it is not so obvious. Of course, the increase in bank interest rates is good for us, and at the same time, its disadvantages coexist. This paper mainly introduces the advantages of higher bank interest.
First, the deposit interest rate has risen. Obviously, the interest of people who have money in the bank has increased.
Higher interest rate can prevent economic growth from overheating. When the deposit interest rate rises, people will increase their willingness to deposit money in banks. When people deposit money in the bank, the funds used for investment and consumption will be reduced, and the production scale of enterprises will be reduced when the demand is reduced, which is conducive to preventing the excessive economic growth from developing into overheating and overproduction, avoiding the waste of resources and contributing to the healthy and stable development of the economy. A healthy and stable economy is good for everyone.
3. Banks can prevent inflation by raising interest rates. Inflation refers to the excessive currency circulating in the market, which exceeds the actual demand of the economy, resulting in currency depreciation and overall and sustained growth of the price level. Generally speaking, it is what ordinary people say: money is becoming less and less important. If the deposit interest rate is raised, people will put their money in the bank and there will be less money circulating in the market. Raising the loan interest rate, increasing the loan cost, reducing the bank's money outflow, thus reducing the total amount of money circulating in the market, which prevents and alleviates inflation. Inflation will greatly reduce our purchasing power, which we don't want to see.
Of course, the increase in bank interest will also have some disadvantages. For example, the increase in mortgage will increase the pressure on house slaves, and the increase in enterprise costs will cause operational difficulties. However, in a certain economic form, raising interest rates by banks is an economic adjustment, and its advantages far outweigh its disadvantages.
Rising interest rates are good for people or enterprises with only deposits but no loans, but bad for people or enterprises with more loans and less deposits.
For people or enterprises without loans, it is naturally a good thing to charge more interest. But if you have a mortgage or other loans, that's terrible. Every time you raise interest rates, financiers will suffer.
Take mortgage as an example. If the loan interest rate increases and your salary is fixed, your monthly living expenses will be forced to decrease, because the interest expenses are more.
Similarly, the profit rate of enterprises is stable and will not increase with the increase of interest rates, so that the profit rate of enterprises will naturally decrease after the financing cost increases. In 2008, the benchmark loan interest rate was the lowest of 5.58%, and the highest of 20 1 1 year was 6.56%, with an increase of nearly 1%. After the blind expansion in 2008, many enterprises basically closed down from 20 1 1 to 20 13.
So, if you have no loan, have fun. If you are a house slave, you should be prepared to tighten your belt!
I am an empty valley cold pool, sharing my views with you.
This is a very interesting question.
But who does the "we" in the question represent? I guess it means most ordinary people.
I tried to divide the "we" in the question into two types to answer.
"We" refers to most wage earners, migrant workers and farmers. At this time, raising interest rates is beneficial.
Someone said, I know. When the interest rate rises, the money in the bank will get more interest. This is a very intuitive embodiment.
In addition to this intuitive embodiment, studies have proved that a higher level of interest helps to narrow the gap between the rich and the poor.
If "we" refers to businessmen who need loan financing, it is not good news. This is also easy to understand. The cost of loans has risen, and businessmen must increase their profit margins in order to ensure that they can make money after repaying the principal and interest.
Higher interest rates have advantages and disadvantages, and in the long run, the disadvantages outweigh the advantages.
Let's take a look at the benefits brought by the increase in interest rates.
When interest rates rise, the biggest beneficiaries are bank depositors. After the interest rate rises, deposits can get more interest.
For example, at present, the benchmark interest rate for 1 year deposits is 1.5%, and normal banks may rise by about 20%, and the actual interest rate is about 1.8%. The annual interest on deposit of 10000 yuan is about 180 yuan.
If the central bank raises interest rates by 0.25%, the benchmark interest rate for one-year deposits becomes 1.75%, and the actual implementation of the bank rises by 20%, then the final interest rate will be 2. 1%, and the deposit interest of 10 yuan will be 2 10 yuan, which is more than before the interest rate increase.
Don't underestimate 30 yuan. If the deposit base is enlarged to 654.38+0,000,654.38+0,000,654.38+0,000, or even more, the extra interest will be quite amazing.
For example, the deposit is 10 billion yuan, and the interest on deposit for one year before interest rate increase is10.8 million yuan. After the interest rate increase, the interest will become 2 10/00,000, an increase of 3 million!
Let's look at the disadvantages of raising interest rates again.
Rising interest rates will generally cause a chain reaction, specifically, there will be the following disadvantages.
1, the loan interest rate rises.
The rise and fall of interest rates are generally synchronous, that is, the deposit interest rate will rise and the loan interest rate will also rise.
Once the interest rate rises, the cost of loans will increase. Let's take mortgage as an example.
Suppose you use 1.4 million yuan to buy a house, and take out a loan of 1 10,000 yuan for 30 years, with equal repayment of principal and interest, at the benchmark interest rate.
If the current benchmark interest rate is 4.9%, your loan interest will be as follows:
If the interest rate is raised by 0.25%, and the raised interest rate is 5. 15%, your loan interest is as follows:
By comparison, we can find that after the interest rate rises, the mortgage interest is 55,078 yuan more, which is more every month 153 yuan.
2. Economic growth has slowed down.
The rise of interest rate will have two effects on social economy. One is that the enthusiasm of enterprise loans will decrease after the loan cost increases. At the same time, because the deposit interest rate increases, residents will increase their savings, resulting in a decrease in social investment funds and consumption. Finally, under the superposition of various factors, the economic growth will slow down a lot.
3. The number of jobs has decreased.
This is related to the second point. The supply of jobs has a great relationship with economic development. If social investment decreases and the economy slows down, new employment opportunities will decrease, enterprises will even lay off employees and the number of unemployed will increase.
Of course, this is not absolute, because sometimes raising interest rates when the economy is overheated will bring the economy back to a reasonable level. At this time, although the investment is reduced, the overall economy is relatively stable and employment will not be greatly affected.
4. The rising rate of house prices has slowed down or even declined.
The loan interest rate still has a great influence on housing prices. If the loan interest rate rises significantly, the purchase volume and transaction volume of the real estate market will decrease, because after the loan interest rate rises, the loan cost will increase, and many people may be unwilling to accept high-cost mortgages and choose to give up the house purchase plan. If the market demand decreases, house prices will not rise so fast, and may even fall.
Finally, the adjustment of interest rates has no absolute advantages and disadvantages.
Although the overall interest rate rise has many disadvantages, from the perspective of the whole economic development, whether the interest rate rise has more advantages than disadvantages depends on the specific economic environment.
For example, sometimes the interest rate is relatively low, and the enthusiasm of corporate loans is high, which leads to overheating of the economy and overcapacity. At this time, raising interest rates can reduce the enthusiasm of enterprise loan investment and reduce the supply of social funds, thus contributing to the healthy development of the economy and avoiding the risk of a hard landing due to overheating.
So the rise of interest depends on whether it rises when the economy is overheated or when the economy is depressed.
The rise of bank interest depends on the structure of personal assets and liabilities.
If you hold cash assets, the income from regular deposit in the bank or purchase of wealth management products such as Yu 'ebao and Monetary Fund will increase. It is good for people who hold cash assets. However, this extra interest is actually of little use.
As economic entities, China residents are usually in debt at present. For example, buying a house, or running an entity company needs a loan.
After the interest rate was raised, the monthly mortgage payment increased. This is not good news for people who have to pay the house payment every month.
For those who run enterprises, there are more loans. After the interest is raised, the loan interest will increase, and the profit rate of the operating enterprise is certain, which increases the financing cost. The business activities of enterprises will gradually slow down, and all walks of life will be affected by the increase in interest rates.
In this way, real estate speculators or property buyers will be more cautious, with high interest rates and increased monthly supply. It's stressful.
Enterprises should also look at the financing cost, that is, the gap between the increase of loan interest and the profit rate of enterprises. If the increase of financing cost reduces the profit of the enterprise, then since it does not make money, the business activities of the enterprise will be reduced.
The increase of bank interest, that is, risk-free interest rate, reduces people's demand for loans, and the phenomenon of overheating of economic activities is suppressed, which means that the profits of enterprises will gradually decline.
This is why the stock market usually falls every time the central bank raises interest rates. Interest rates increase, risk-free interest rates are high, and people who invest in stocks also measure returns. After all, stocks and other assets are risky assets. The higher the interest rate or risk-free interest rate, the lower the valuation of the stock will be pulled by gravity, such as why the stock market has plummeted recently? It's because the Fed wants to raise interest rates and shrink its watch.
I'm glad to answer your question.
For ordinary people, especially those who have no housing demand and mortgage pressure, raising interest rates is a good thing. After all, money is deposited in the bank with high interest. In the long run, it is certainly a good thing to earn more interest under the current controllable prices. Moreover, the No.2 news of the Central Committee mentioned this morning that it is necessary to guide the currency to tilt towards long-term assets such as bonds and reduce financial risks. Therefore, the expected increase in bond interest rates will be considerable, which is good for low-risk investors.
For people who are ready to buy a house at this stage and have long-term mortgages or stock market investors, raising interest rates means tightening money and raising loan interest rates, which is definitely not good news, but the central bank will definitely consider stabilizing and protecting the affected people, and then introduce policies at the right time, and the policies will not be too intense.
The above is my own opinion, which is not necessarily correct. I hope I can help you!
First of all, do you mean deposit interest or loan interest?
High deposit interest is good for you. No one answered.
Higher loan interest is good for lenders, and you are not happy if you don't pay more interest.
Do you mean depositors or lenders?
Savers like high interest rates on deposits, while lenders like low interest rates on loans.
In a word, high deposit interest and low loan interest are good for us personally, but not necessarily for countries with big environment.
If you represent the country, you must look at the domestic and international political, economic and cultural environment.
Generally speaking, the increase in bank interest rates is not good for most people.
Next, let's analyze in detail why it is not good for most people.
As the bank interest rate rises, the intuitive result is that deposits can get higher returns, which is the only benefit. But corresponding to other disadvantages, it is insignificant.
1, with the increase of interest rate, the general deposit and loan interest rates will rise, and the loan interest will be more.
With the soaring housing prices, more and more families have invested in real estate, and now household debt has reached a very high level. As interest rates rise, the burden on individuals or families with loans will increase.
Compared with the meager profit of bank deposits, the interest of loans is obviously much higher than the deposit income.
2. As the interest rate of banks rises, the financing cost of loans for enterprises will also increase, which will be transmitted to prices accordingly, and prices will rise.
The high financing cost of enterprises is a domestic reality. If the interest rate rises, the loan cost of the enterprise will increase. In order to eliminate the impact of raising interest rates, enterprises will choose to raise product prices.
Many enterprises raise prices together, which will also drive more industries to raise prices. And this increase is often much higher than the interest increase. A rate hike is usually 0.25%-0.5%, but the price increase is at least 10%, or even 20%.
In 20 17, the national per capita disposable income was less than 30,000, which was the highest in the bank for one year, but the interest was 900 yuan. How much loss can be recovered in the face of rising prices?
3. Enterprises and individuals with high debts will go bankrupt.
In recent years, the voice of cleaning up zombie enterprises has been rising. The so-called zombie enterprise is an enterprise that has been difficult to make money and relies entirely on bank loans. Even when the bank interest rate is relatively low, the fate of these enterprises is bankruptcy and reorganization, and the increase of interest rate will accelerate this process.
Not only zombie enterprises, but also large enterprises with high debts.
According to the information disclosed by China Railway Corporation, "Tiezong" earned 907.448 billion yuan in 2065.438+2006, but its total liabilities were 476.5438+05.344 billion yuan, and the annual interest paid was as high as 75.265438+06 billion yuan, even lower than the loan interest rate of such enterprises. Such a huge income is still the net profit after the train ticket price has risen sharply, only 65.438+0.076 billion yuan.
The absolute advantage of Tiezong is still the case, and the situation of other highly indebted enterprises can be imagined.
Enterprises can't survive, they can only go bankrupt, and correspondingly, employees can only lose their jobs.
Families who buy houses and repay loans in China are at risk of being taken away by banks once their jobs are unstable and they can't get loans. If the house price falls sharply and the value of the house is not enough to repay the loan, then the bank will face further recovery of the arrears. In other words, the house has been taken away, the down payment is gone, and the bank has to pay a sum of money, so it is normal for the family to go bankrupt and eventually become the urban poor.
If the interest rises to a certain extent, investment and entrepreneurship will decrease, and jobs will also decrease.
Business is difficult, starting from 20 17. It is closely related to the rise in housing prices. With high household debt, reduced consumer demand and shrinking market, it is becoming more and more difficult for enterprises to do it.
When interest rates rise, money can be deposited directly, and there will be higher and more stable income. The high risk and low return of starting a business will obviously lose its previous attraction.
Even entrepreneurs who have been in business for many years will choose to withdraw funds and leave a retreat for themselves in the face of meager profits. Saving money to earn interest is obviously more reliable than producing goods and selling them to make profits.
After 2008, house prices rose, and a large amount of manufacturing funds entered the real estate market. Funds will seek higher returns, instead of first considering creating social value and solving more jobs.
The rise in bank interest rates has both advantages and disadvantages for us, but in Xiaobai's view, every policy has more advantages than disadvantages, at least the original intention is that the advantages outweigh the disadvantages.
Let's talk about shortcomings first. Most people basically see the disadvantages of high interests.
1. As the bank interest rises, the loan interest will also rise. If an individual buys a house, the debt will be much higher than before, which will increase the debt ratio of individuals and families, and make the consumption level of individuals and families decline, which is not conducive to stimulating economic development.
2. With the rise of bank interest rate, the loan interest rate is also rising. For enterprises, this greatly increases the burden of enterprises, which will seriously lead to vicious problems such as bankruptcy and employee unemployment.
But in general, the advantages of raising interest rates by banks outweigh the disadvantages.
1. The increase in bank interest, the most basic thing is that the income of money in the bank has increased, and urban and rural residents will deposit more funds in the bank, which is conducive to the bank's storage.
2. Raise interest and deposit residents' funds in the bank; The high interest on loans raises the threshold of loans, reduces the circulation of funds in the market, and helps to stabilize prices and prevent the economy from overheating to a certain extent.
3. The most important point is that the general bank interest rate hike is the order of the central bank, and the policy is specified according to the current economic situation of the country. The purpose of raising interest rates is to prevent overheating and excessive inflation. Excessive capital circulation in the market will increase residents' consumption, and enterprises will continue to blindly expand production, eventually leading to overproduction and prone to economic crisis.
This is a big signal for personal investment. It is easy for people to be confused by superficial phenomena when investing. For example, if the house price rises sharply and the stock market goes red all the way, investors will chase after it and kill it. In fact, this signal may not be accurate. Raising interest rates is a reminder that the economy is overheating. The state draws funds from the property market and the stock market to banks to cool them down.
Therefore, the overall advantages of raising interest rates outweigh the disadvantages, but the impact on everyone is different, because everyone plays a different economic role.