1, raising the deposit interest rate is intended to withdraw money, thus curbing inflation (too much money is an important reason for inflation).

2. Raising the loan interest rate is intended to reduce the capital outflow of banks, reduce loans and curb demand, thus achieving the purpose of alleviating inflation.

3. Interest rate is not only the result of resource allocation, but also determined by the relationship between market supply and demand; At the same time, interest rate is also an important part of macro-control, which can optimize the allocation of resources; From the perspective of macro-control, after interest rate liberalization, it is not necessary to liberalize, but to regulate interest rates according to the needs of counter-cyclical regulation and the overall orientation of macro-control. Extended data:

During the period of inflation, the deposit interest rate usually increases correspondingly, which directly increases the financing of banks, prices generally rise, the social and economic operation order is chaotic, the external conditions of enterprise production and operation deteriorate, the securities market is bound to be damaged, and the purchasing power risk is inevitable. 3. Under the condition of inflation, with the rise of commodity prices, the price of securities will also rise, and investors' monetary income will increase, which will make them ignore the existence of inflation risks and produce a kind of money illusion.

Due to the devaluation of the currency, the purchasing power of the currency has declined, and the actual income of investors has not increased, but has decreased.

Second, why should the loan interest rate be raised when inflation occurs?

1. Raising the deposit interest rate is intended to withdraw money and reduce the amount of money circulating in the market, thus curbing inflation (too much money is an important reason for inflation).

2. Raising the loan interest rate is intended to reduce the capital outflow of banks, reduce loans and curb demand, thus achieving the purpose of alleviating inflation.

3. Interest rate is not only the result of resource allocation, but also determined by the relationship between market supply and demand; At the same time, interest rate is also an important part of macro-control. From the micro level, interest rate marketization can optimize resource allocation; From the perspective of macro-control, after interest rate liberalization, it is not necessary to liberalize, but to regulate interest rates according to the needs of counter-cyclical regulation and the overall orientation of macro-control. Extended data:

Performance of inflation risk: 1. During the period of inflation, the deposit interest rate usually increases correspondingly, which directly increases the financing cost of banks. 2. In the case of inflation, prices generally rise, the social and economic operation order is chaotic, the external conditions of enterprise production and operation deteriorate, the securities market is bound to be damaged, and the purchasing power risk is inevitable. 3. Under the condition of inflation, with the rise of commodity prices, the price of securities will also rise, and investors' monetary income will increase, which will make them ignore the existence of inflation risks and produce a kind of money illusion.

Due to the devaluation of the currency, the purchasing power of the currency has declined, and the actual income of investors has not increased, but has decreased.

Third, why does the central bank want to summarize interest rates when inflation occurs? What is the reason?

1, the central bank's interest rate increase is conducive to the return of money, the money will decrease, and the purchasing power will increase. The price will fall. Inflation will be curbed.

2. The rising interest rate will increase the loan cost of enterprises, make enterprises reduce the scale of production, and thus reduce the consumption of raw materials for production. It lowers the price of raw materials and prevents the economy from overheating.

Because inflation is a monetary phenomenon under the condition of paper money circulation, the most direct reason is that there is too much money in circulation. Therefore, one of the important countermeasures for countries to control inflation is to control the money supply, make it adapt to the money demand, and reduce the pressure of currency depreciation and inflation.

Fourth, why should inflation measures raise deposit and loan interest rates? And deposit reserve ratio

Inflation is due to too much money circulating in the market. Raising the deposit and loan interest rates and the deposit reserve ratio will help more people to deposit in banks, absorb the currency circulating in the market and curb the overheating of the economy.