推荐回答(3个)
银行降息和升息是和整个国家的经济发展乃至世界上经济的发展和变化息息相关的
我曾经学过一点经济 在这里就妄自菲薄的分析下
十年前存款利率之所以高是因为国内生产力并不旺盛 所以国家需要积累资金用于发展生产力
这个时候需要资金 所以并不鼓励消费 提高利率就是为了让居民把资金存贮起来
现在的利率之所以低 就是因为情况发生了变化 生产力过剩 如果依然是高利率的话 很多流动资金将继续被存储 但是国家的贮备资金已经是足够了 这些资金不用来消费 将会使辛苦建立起来的生产系统崩溃!因为生产出来的东西没有人买是很危险的 就是所谓的通货膨胀
前两年不是说要拉动内需 刺激消费吗? 就是出现了轻微的通货膨胀
所以就降低利率 让老百姓不要存钱了!
现在又开始加息 那是因为国际社会的影响以及另一轮的经济调整
十年后谁也不能准确判断 因为这种经济的宏观调控是经常性的!
一般就我个人认为 十年之后 利率将比现在的利率要稍微高一些
楼上讲的很好
其实利息也可以看成是货币使用权的价格。
从供求关系看,当资本市场上的货币需求增加,就会引起利息上升。就象市场上买菜的人多了,菜价格就上升了一样。
但是,现在各国都有国家银行。国家都会利用利息来调控大方面的经济。就如楼上所说。利息有分为存款利息,和贷款利息。有是调整,并不是所有都调整的。
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