What is the impact of the RRR cut by the central bank?
1, personal housing loan business increased.
Recently, banks have made great efforts to examine individual housing loans, but the lending efforts will not be so great. However, after the RRR cut by the central bank, the bank's review of personal housing loans will inevitably relax, so the personal housing loan business will inevitably rise, which may also push up housing prices to some extent.
2. Relieve the financial pressure faced by real estate enterprises.
To a certain extent, the RRR cut by the central bank will promote real estate developers to apply for bank credit or raise funds in other places, thus alleviating the financial pressure faced by real estate enterprises and increasing the housing supply in the market to a certain extent.
3. It is conducive to promoting the stock market to rise.
The RRR cut by the central bank can increase the amount of funds in the stock market to a certain extent, stimulate the appreciation of the stock market to a certain extent, and alleviate the current downturn in the stock market.
4. Promote the development of small and micro enterprises.
The RRR cut by the central bank means that bank loans will be liberalized, which will make loans for small and micro enterprises easier and promote the development of small and micro enterprises.
5. RMB depreciation
Because the RRR cut by the central bank will stimulate consumption, which will lead to a certain degree of depreciation of the RMB and a downward trend of the bank's wealth management products.
The purpose of the central bank RRR to cut interest rates
1, the central bank's RRR cut is mainly to optimize the liquidity economic structure, reduce corporate financing, and guide financial institutions to continue to increase support for small and micro enterprises, private enterprises and innovative enterprises.
2. The RRR cut by the central bank will increase the currency circulation in the market to some extent and stimulate people's consumption loans.
The above is an introduction about the impact of the RRR cut by the central bank. I hope everyone can have a certain understanding of the RRR cut by the central bank, and let everyone know the advantages and disadvantages that RRR cut brings to our lives.