There are both good and bad bank interest rate cuts: 1. Disadvantages: deposits have shrunk, and more people choose to spend and invest instead of putting money in the bank. If banks exist, they are depreciating. 2. Benefits: It is conducive to the development of the stock market and the preservation of the property market. Investment and consumption will increase, and economic growth will be guaranteed.

2. What will be the impact of lowering the bank interest rate?

Interest rate adjustment is a commonly used method for national macro-control to shrink the economy, and this relationship is quite remarkable. You know, no matter how high the interest rate is, it will not exceed inflation. High interest rate is also a kind of compensation for RMB depreciation. The reason why the poor are poorer and the rich are richer is not because of interest, nor does it care about this interest. What is important is that they have an economic mind and will know that they are willing to take risks in investing and doing business in order to obtain higher benefits.

Banks are not short of money now, enterprises have no money to earn, and they don't need loans at present, and developers with large capital needs can't lend. The downward adjustment of the first home loan interest rate is also a verification of sufficient funds.

The Changshan 000 158 corporate bonds underwritten by Ping An Securities * * * issued 630 million yuan, with three-year fixed interest rate bonds, which guaranteed the principal and guaranteed the income, higher than the five-year fixed bank interest rate, and could be traded in the secondary market with good liquidity.

If the reserve ratio is reduced, the funds deposited by commercial banks in the central bank will be reduced, so that the money supply in society will increase and some enterprises will be more likely to borrow money.

Lowering the deposit interest rate can encourage citizens to invest and invigorate the economy.

Lowering the loan interest rate can increase the loan ratio.

1. The purpose of lowering the deposit reserve ratio is to inject liquidity into the market. Including capital market and real economy;

2. Function: It can solve the problem of insufficient liquidity caused by the lack of confidence of all parties in the market in the short term;

3. Impact: protect the capital market and the real economy and guide them to develop in a healthy direction;

4. The purpose of lowering the deposit interest rate and the deposit reserve ratio is the same, both of which are to inject liquidity into the market and increase the economy;

Reducing the loan interest rate also has the above effect, and it is also a measure for the government to benefit the people.

The interest rate cut is for one goal, that is, to develop the economy. This shows the government's determination to develop its own economy.

1. Interest rate is an important lever of macro-control and an important means of regulating money supply.

2, the impact of interest rate changes on economic life is mainly manifested in:

(1), the influence of deposit interest rate adjustment. The increase of deposit interest rate will usually attract residents to save, minimize the amount of money in circulation, and thus make the living consumption expenditure relatively decline; Lowering the deposit interest rate usually leads to a decrease in savings and an increase in the amount of money in circulation, which in turn leads to a relative increase in living consumption expenditure. At the same time, the adjustment of deposit interest rate will also change the investment direction of residents, such as turning to stocks and bonds.

It can be seen that the adjustment of deposit interest rate mainly controls the amount of money in circulation and the social demand for means of subsistence by adjusting the amount of deposits. In addition, the increase of deposit interest rate can increase residents' savings interest income, but in the case of inflation, if the increase of deposit interest rate is less than the inflation rate, residents' real income will decrease.

(2) The influence of the change of loan interest rate. Raising the loan interest rate will increase the loan cost and restrain the loan, thus restraining the bank loan scale, reducing the currency circulation and making the investment demand relatively decline; Lower interest rates will reduce the cost of corporate loans, expand the scale of bank loans, increase the amount of money in circulation and increase investment demand.

It can be seen that the adjustment of loan interest rate mainly controls the demand of money and society for investment by adjusting the amount of loans.

(2) Exchange rate, also called exchange rate, is the exchange rate between two currencies.

1, the significance of exchange rate fluctuation: the foreign exchange rate rises, appreciates and the local currency depreciates; The foreign exchange rate decreases, depreciates and the local currency appreciates.

2. The impact of exchange rate changes on the economy is mainly manifested in import and export.

(1) A concrete analysis of currency appreciation. After currency appreciation, the prices of export commodities increase, while the prices of import commodities decrease accordingly, resulting in a decrease in exports and an increase in imports, which adversely affects the balance of payments. Currency appreciation worsens a country's foreign trade environment, leading to a decline in domestic production, an increase in unemployment and intensification of domestic contradictions. The appreciation of the local currency reduces the country's foreign exchange reserves or converts the funds remitted from abroad into local currency.

(2) Specific analysis of currency depreciation. Conducive to increasing domestic exports and reducing imports; It is conducive to attracting foreign tourists, expanding the development of tourism, and helping domestic enterprises "go global". The currency depreciation of major industrial countries will affect the trade balance of other countries, thus triggering trade wars and exchange rate wars. Exchange rate changes in major industrial countries will also cause turmoil in the international financial field.

(3) The significance of keeping the RMB exchange rate stable: it is conducive to the sustained and stable economic and financial development of China and neighboring countries and regions, and is fundamentally conducive to the stable economic and financial development of the world.

Third, the bank's interest rates are raised and lowered respectively? What is the impact on the economy?

The increase of interest rate 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 increase.

The downgrade of LPR not only further reduces the financing cost of enterprises and residents, but also helps to stimulate financing demand, boost confidence and stabilize expectations.

Loan market quotation rate LPR refers to the loan interest rate implemented by financial institutions for their best customers. It is an important step to change the new LPR quotation method to the open market operating interest rate, and LPR has gradually replaced the benchmark loan interest rate.

The purpose of the central bank to facilitate interest rates through medium-term lending is to reduce the financing cost of the real economy, provide a better environment for the recovery of demand in key industries, and adopt appropriate monetary policies.

Judging from the current development environment, the stabilization of the real estate market, manufacturing industry and strength, these aspects and the long-term downward adjustment of LPR for more than five years are conducive to fully tapping the potential of domestic demand, promoting the stable development of the industry and providing support for stabilizing the economy.