The latest interest rate resolution of the European Central Bank keeps the interest rate unchanged, the interest rate of convenient deposits is still at a historical low of -0.5%, and the marginal loan interest rate is still 0.25%, all of which are in line with market expectations. The deposit interest rate is the standard for calculating deposit interest. Refers to the ratio of interest amount to deposit amount in a certain period, also known as deposit interest rate. The deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting the cost of banks. China's deposit interest rate is determined by the state according to objective economic conditions, currency circulation, supply and demand of market materials, and taking into account the interests of all parties. The units of deposit interest rate are annual interest rate, monthly interest rate and daily interest rate (also called annual interest rate, monthly interest rate and daily interest rate). The annual interest rate is expressed as a percentage of the principal, and the monthly interest rate is expressed as a percentage of the principal; The daily interest rate is expressed as a few ten thousandths of the principal. China used to call the interest rate a few cents. Deposits can be classified in many ways. For example, according to the mode of production, it can be divided into original deposits and derivative deposits, according to the term, it can be divided into demand deposits and fixed deposits, and according to different depositors, it can be divided into unit deposits and personal deposits (taking China as an example). Personal deposits, that is, residents' savings deposits, are the money that residents deposit in banks. Unit deposit ① Unit deposit. This is a temporary idle monetary fund generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistency between sales revenue and various expenditures. It also includes all kinds of special funds extracted but not used by enterprises, the most important of which is the depreciation fund of fixed assets, including profit retention. The change of enterprise deposits depends on the scale of purchase and sale of goods produced by enterprises and their operating conditions. With the expansion of production or commodity circulation, corporate deposits will increase and vice versa. With the improvement and acceleration of management, corporate deposits will decrease, and vice versa. The vast majority of corporate deposits are demand deposits, and only a few are time deposits. (2) fiscal deposits. As the national treasury, all financial revenues and expenditures must be handled through the bank (see the national treasury). Fiscal revenue and expenditure are often inconsistent in time. In the case of first receiving and then paying, temporarily unused funds form financial deposits. (3) Capital construction deposits: deposits formed by funds used for capital construction but not yet spent; (4) Deposits of organs, organizations and troops. It is the deposit formed by unused funds brought by the above-mentioned units from financial concentration. ⑤ Rural deposits. The deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperatives account for more than 90%. New types of deposits are constantly emerging in the world, such as negotiable certificates of deposit, negotiable payment instruction account, telephone transfer service, automatic transfer service and money market depositors, among which negotiable certificates of deposit have also developed in China.
2. Has Europe cut interest rates?
Of course it has dropped.
3. What are the latest interest rates of the four major banks?
Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank adjusted their interest rates on September, 2022 15:
1, and demand deposit is 0.25%.
2. Regular lump-sum deposit and withdrawal: three months 1.25%, six months 1.45%, one year 1.65%, two years10%, three years 2.60% and five years 2.65%.
3. lump sum deposit and lump sum withdrawal: one year 1.35%, three years 1.55% and two years 1.55%.
4. On June 5,438+1October 5, 2009, the European Central Bank decided to cut the benchmark interest rate by 50 basis points to 2%. Then, other things being equal, the euro is relatively in the forward market. ...
A
Analysis:
According to the interest rates R/$-S0, EUR/$)/S0, EUR/$≈rEUR-R $,at S0, the reduction of EEUR will reduce the forward exchange rate F 1, EUR/$, that is, the euro will appreciate.