The drawing domestic demands urgent matter cuts the deposit interest rate! -china Product-The drawing domestic demands urgent matter cuts the deposit interest rate!

In January the data came out, CPI rises 1%, PPI to fall 3%, raw material price falls 5%. Such being the case, why doesn't fall the deposit allowance? Why doesn't fall one thousandth? Why today doesn't fall? Also in and so on what? Even if falls one thousandth, was still the interest rate, still had further drop space. Is at a low ebb in the economy, does not have the reason to maintain the interest rate. If present some people worried saying that the reducing the interest rate (the future) will have the inflation, was just like some people to worry that in the winter will put on the cotton-padded jacket to suffer heat-stroke to the summer is the same. First, you must consider that can live the summer; Next, why don't you live the comfortable spot; Also, has been possible to take off to the summer the cotton-padded jacket.President Zhou Xiaochuan talks about again and again cuts the savings ratio to increase the expense the question, each economists are discussing the expanded domestic demand nearly the question, even must divide the state-owned enterprise stock, must divide the foreign exchange reserve, must send the expense ticket, must divide the cash. Such being the case, why doesn't fall the deposit allowance? Why doesn't fall one thousandth? Why today doesn't fall? Also in and so on what? From increases the expense expansion domestic demand to cut the savings ratio the angle to consider that does not have what way to cut the deposit interest rate to be more direct than effectively, has operationally, less negative effects, conform to China (high savings ratio) national condition.

Chairman Guo Shuqing said that because the spread reduces, the banking industry this year's profit possibly drops. Possibly is also this reason, the bank storage quantity mortgage loan hits 7 zhe the policy cannot carry out slowly, after some banks announced the operation detail, (discovery interest rate hung upside down) receives. Such being the case, why doesn't fall the deposit allowance? Why doesn't fall one thousandth? Why today doesn't fall? Also in and so on what? The interest rate hung upside down was already a very serious issue, it is said in January increased in 1,600,000,000,000 loans, came from the organization the arbitrage behavior, saved again from a bank loan fund to another bank (? ).

The interest rate is the fund price, must reflect the fund the scarcity, but our country fund is extremely abundant, Yang Piao and the reserve fund can release the foundation currency also has at least 6,000,000,000,000 (has originally 8,000,000,000,000 buries in cave). Such being the case, why doesn't fall the deposit allowance? Why doesn't fall one thousandth? Why today doesn't fall? Also in and so on what? If does not reduce the bank the fund cost, how the bank can buy the national debt enterprise debt? How can also develop the bond market help enterprise to get out of trouble? The bond market will not be developed will create, on the one hand the fund will be surplus, on the other hand will finance awkward (some people to call “fluid trap” difficultly, I thought that will call “to be caught in one's own trap” appropriately).

Some people said that will cut the deposit interest rate to reduce depositor's income, this will be the absolutely true matter. But, from individual managing finances angle, except the bank deposit, may buy the bond, may also buy the bank stock to collect interest, but may also buy the building to collect rent. So long as the economical sustained growth, makes money the place are many; If the economy does not grow, the bank deposit interest sooner or later also met down (very possible company to work also did not have). Also, but also several peasant laborers are unemployed surely, if cannot drag into as soon as possible these people in the economic system, many questions possibly can brave.

Our country's folk expends not weakly (2008 actual speed-up to surpass 16%), but the government 4,000,000,000,000 capital spending plans also started. Therefore, further draws the domestic demand the key to lie in the start private investment, but cuts the deposit interest rate (is not rate on loan) is starts our country private investment the best method, because the Chinese does not like lending money, but most feared that own money (have bank) to suffer a loss. In China, lets the rich man invest with own money, compared to lets the money person not lend money the expense or the investment, is more feasible, also will cause the economic system to be healthier. No matter guarantees from this year 8 looking from long-term economic structure reforming, the key also lies in the private investment liveliness, the macroeconomic policy and government investment's function lies in the instruction direction and provides advantageously (including soft hard) the environment, the private investment is a main body