Interest rate cost of funds of commercial banks have little effect

 2 9 February, the New Year for the first time the central bank to raise interest rates, the People's Bank of China Tianjin Branch in a timely manner conduct a rapid investigation and response. Survey, Tianjin, the central bank to raise interest rates reflect all positive.

related enterprises that, in this interest rate adjustments in deposit rates are higher than with the level of adjustment lending interest rate adjustments, indicating that the central bank not only intends to solve the problem of deposits of negative interest rates, but also difficult to avoid in corporate finance. Long-term loans against a large proportion of the current enterprise features of the rate hike, the long-term interest rate increase is lower than short-term loan interest rate adjustments, the same that the central bank to adjust interest rate policy to take into account the capacity of enterprises.

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In the interest rate adjustments, demand deposit rate from 0.36% to 0.4%, while only 0.04 percentage points increase, but it is in November 2008 the first increase since the current deposit interest rates. For commercial banks that the demand deposit interest rates, coupled with long-term deposit interest rates is larger than or equal to the short-term deposit rates, increase the cost of short-term liabilities of banks, deposit interest rate adjustments on the same level greater than or equal to the interest rate adjustment, making the spread narrowed, but given the current high proportion of the bank demand deposits, therefore, the use of demand deposits by lending spreads have expanded in the interest rate. Therefore, the overall interest rate cost of funds of commercial banks have little effect.

commercial banks also believe that the adjustment of deposit and loan interest rate structure for the positive significance. Since demand deposits, time deposits interest rate adjustments on interest rate adjustment is greater than a certain extent, reverse the phenomenon of demand deposits, deposit structure is conducive to reasonable adjustments, to promote their products, improve the effectiveness of funds will help maintain the smooth operation of bank funds; short-term lending rate adjusted slightly higher than long-term lending rate adjustment will help banks to control the size of loans, monitoring use of the loans, banks are more conducive to the development of quality customers and optimize loan structure, making bank loans more rigorous review, prudent lending.

for ordinary residents, most of the central bank to raise interest rates, as do the good news, the interest rate adjustment of welcome. Residents said the current inflationary pressures in the case of large rate hike to stabilize the price of great significance. Survey, since the end of monetary policy since the return to stability, the residents common interest rate expectations, it was generally intended to reduce long-term time deposits, and possess a higher proportion of short-term deposits and demand deposits. The focus of this interest rate adjustment raised their deposit rates in the short term and demand deposits, interest rate increases to help residents maintain and increase deposits and response to inflation.

ordinary home buyers due to their different situations have different reactions on the rate hike. Response has been steady buyers, because bank interest rate adjustments are conducted in turn, so has the burden of home buyers will not change during the repayment will be the end of this year, interest rates, as appropriate, to consider early repayment. Buyers will feel worried about, because the next step for the business will implement the new rate mortgage, so interest rates on its debt service burden will have an immediate impact. The one hand, but not yet worried about the future of home buyers purchase repayment pressure, on the other hand I also hope interest rates can return to rational prices play a positive role in promoting this feel expectations.