储备金率（reserve ratio）.docVIP

储备金率（reserve ratio） The reserve rate _ Baidu encyclopedia small level direct practice horizon | news (10) | I know my Encyclopedia | contribution drafts | Baidu home page | quit my encyclopedia my task I recommend News page bar, know MP3 pictures, videos, encyclopedia Library Help set the home page, natural, cultural, geographical, historical, life, social, artistic, character, economic, scientific, sports, Asian Games, champions, core users The two measures of reserve rate, interest rate increase and reserve rate increase are all aimed at raising the cost of borrowing for enterprises. For banks: 1, plus interest. Raise the cost of capital use, so that the demand for funds to reduce, so that the banks supply of funds will be relatively improved. Impact on the development of banking. 2, raise the bank reserve ratio. You should say that the deposit reserve, the statutory deposit reserve is the part of the deposits that the commercial banks will absorb in the central bank, and this part of the funds can not be used for lending. That is, this part of the funds can not bring profits to the bank. So the higher the bank reserve ratio, the less money banks use to lend, which is bad banking. Of course, these banks should be negative information, because it directly affects the level of bank lending. But in the end whether it will affect the banks earnings, it is difficult to say: 1, banks due to restrictions on lending, they will raise interest rates, select high-quality customers. 2, if the bank proceeds from a large number of intermediary business, then the impact will be smaller. Interest rates and reserve increases mean that the country controls the money supply and inhibits the economy overheating. The influence is all round. The following is a reference: The reserve is a financial institution to ensure customer deposits and settlement funds need to at the central bank, the central bank deposit reserve requirement for the proportion of total deposits is the deposit rese