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181-200 of 533
take for example sph and jurong shipyard shares were once a rare blue chips in sgx
&ldquo Remember, no investment is forever.&rdquo John Templeton
https://timesofindia.indiatimes.com/templetons-golden-rules-of-investment/articleshow/288282668.cms
chartistkao1 ( Date: 16-Jun-2023 15:47) Posted:
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We have a choice. We can live in the past and be miserable and unhappy, or we can pick ourselves up and move ahead in life. When we choose to focus forward, we can find the energy and ability to remove any obstacles that may appear to be hindering our smooth progression. If you take stock of yourself and find you may be spending time frequently reliving unhappy experiences of the past, make the decision to rid yourself of the ties that bind you to a former way of life.
https://www.htsec.com/ChannelHome/4793967/3209446.shtml
https://www.cnbc.com/2023/06/15/china-cuts-a-key-policy-rate-for-first-time-in-10-months-as-economic-rebound-cools.html
chartistkao1 ( Date: 16-Jun-2023 15:44) Posted:
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&ldquo The time of maximum pessimism is the best time to buy, and the time of maximum optimism is the best time to sell.&rdquo In 1939&mdash on the eve of World War II, a time of maximum pessimism&mdash Templeton purchased $100 worth of every publicly traded stock available to him that was trading for less than a dollar.
https://www.gov.cn/jrzg/2007-04/18/content_587156.htm
chartistkao1 ( Date: 16-Jun-2023 13:40) Posted:
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after china central bank interest rates and
https://www.cnbc.com/2021/05/05/bitcoin-is-coming-to-hundreds-of-us-banks-says-crypto-firm-nydig-.html
2.65%
The People' s Bank of China (PBOC) said it lowered the rate on 237 billion yuan ($33.09 billion) worth of one-year medium-term lending facility (MLF) loans to some financial institutions by 10 basis points (bps) to 2.65%, from 2.75% previously.11 hours ago
https://www.reuters.com/markets/asia/china-cuts-medium-term-lending-rates-economy-sputters-2023-06-15/
chartistkao1 ( Date: 16-Jun-2023 13:32) Posted:
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individual suffer from depression and country fall into depression which one is of more concern to you?
https://www.reuters.com/business/finance/overexposed-us-regional-banks-could-sell-commercial-property-loans-2023-05-17/
- Margin: In investing, margin refers to the difference between the intrinsic value of an investment and its market price. It represents a cushion or buffer against potential losses. By seeking investments that have a significant margin, you aim to purchase assets at a price below their true worth.
- of: This preposition denotes the connection between the two words and emphasizes the importance of the concept as a whole. It implies that the margin is an integral part of the investment strategy.
- Safety: Safety here refers to minimizing the risk of permanent loss of capital. By investing with a margin of safety, you aim to protect yourself against adverse market conditions, unforeseen events, or miscalculations.
https://www.reuters.com/business/finance/overexposed-us-regional-banks-could-sell-commercial-property-loans-2023-05-17/
chartistkao1 ( Date: 16-Jun-2023 13:27) Posted:
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https://www.chinadaily.com.cn/a/202306/16/WS648b2fb2a31033ad3f7bc812.html
chartistkao1 ( Date: 16-Jun-2023 13:23) Posted:
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US direct money from china to nikkei so now they are talking and talking so global trades can resume normally
The individual investor should act consistently as an investor and not as a speculator." This statement emphasizes the importance of adopting an investment mindset rather than a speculative one when making investment decisions. Let' s break it down further:
The individual investor should act consistently as an investor and not as a speculator." This statement emphasizes the importance of adopting an investment mindset rather than a speculative one when making investment decisions. Let' s break it down further:
- Individual Investor: Refers to a person who invests their personal funds in various financial instruments such as stocks, bonds, mutual funds, or real estate. This distinguishes them from institutional investors who invest on behalf of organizations.
- Act Consistently as an Investor: Implies that the individual should approach investing with a long-term perspective, focusing on fundamental analysis, research, and understanding the underlying value of the assets they invest in. Investors typically seek to generate returns over a longer time horizon, aiming for capital appreciation, income generation, or a combination of both.
- Not as a Speculator: Suggests that the individual should avoid speculative behavior, which involves making short-term bets on the price movements of assets with little regard for their intrinsic value. Speculators often engage in higher-risk strategies, hoping to profit from short-term market fluctuations or price volatility.
chartistkao1 ( Date: 16-Jun-2023 13:20) Posted:
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Value investing is an investment strategy that involves identifying undervalued assets in the financial markets. It was pioneered by Benjamin Graham and popularized by Warren Buffett.
Let' s break down the statement:
Let' s break down the statement:
- Contrarian streak: Value investors often have a contrarian mindset, which means they go against the prevailing market sentiment. Instead of following the crowd and buying popular or trendy assets, they seek opportunities where the market has undervalued an asset. This contrarian approach involves going against the herd mentality and having the conviction to make investment decisions that differ from the consensus.
- Calculator: Value investing is a quantitative approach that heavily relies on financial analysis and calculations. Value investors use various metrics and valuation models to estimate the intrinsic value of an asset, such as stocks or businesses. They analyze factors like earnings, cash flows, book value, and other financial indicators to determine whether an asset is trading below its true worth. By employing a calculator-like approach, value investors aim to make rational investment decisions based on the underlying fundamentals of the asset.
https://www.cnbc.com/2021/02/16/bitcoin-btc-price-hits-50000-for-the-first-time.html
at $50000 I do not know how to calculate as this is oxford maths only first class oxford student know how to do it
chartistkao1 ( Date: 16-Jun-2023 08:01) Posted:
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Lowering interest rates can potentially stimulate borrowing and investment, thus boosting economic activity. If China has indeed cut key interest rates to boost its economy, it would align with a common policy tool used by central banks worldwide.
https://www.cnbc.com/2023/06/14/chinas-property-market-to-see-persistent-weakness.html
chartistkao1 ( Date: 12-Jun-2023 14:45) Posted:
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A recovering second largest economy will need to consume a lot of oil!
SAUDI Aramco has told at least five customers in North Asia they will receive full nominated volumes of crude oil in July, several sources with knowledge of the matter said on Monday (Jun 12), after it pledged to cut production next month.
Saudi Arabia, the world&rsquo s top oil exporter, vowed to reduce its production to 9 million barrels per day (bpd) in July from around 10 million bpd currently.
Some Chinese state-owned refiners have requested lower supply in July, according to three trading sources, estimating the combined volume could be about 10 million barrels less than they took for June.
Saudi Aramco unexpectedly raised its official selling prices for all crude grades to Asia for July-loading cargoes, which would hurt refining profits and could spur refiners to buy more feedstock from the spot market.
However, China&rsquo s total July intake of Saudi crude is likely to stay around the same level as June, as other Chinese refiners have asked for more supply for July from a low base in June. REUTERS
SAUDI Aramco has told at least five customers in North Asia they will receive full nominated volumes of crude oil in July, several sources with knowledge of the matter said on Monday (Jun 12), after it pledged to cut production next month.
Saudi Arabia, the world&rsquo s top oil exporter, vowed to reduce its production to 9 million barrels per day (bpd) in July from around 10 million bpd currently.
Some Chinese state-owned refiners have requested lower supply in July, according to three trading sources, estimating the combined volume could be about 10 million barrels less than they took for June.
ADVERTISING
However, China&rsquo s total July intake of Saudi crude is likely to stay around the same level as June, as other Chinese refiners have asked for more supply for July from a low base in June. REUTERS
chartistkao1 ( Date: 12-Jun-2023 14:35) Posted:
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THE stock market is growing more sanguine about US regional banks, but the lenders still face serious pressure.
A credit &ldquo contraction is invariably coming&rdquo , Soros Fund Management chief executive officer Dawn Fitzpatrick said at last week&rsquo s Bloomberg Invest conference, adding that additional banks will fail because &ldquo there are more problems under the surface&rdquo .
One further source of trouble for the industry will be commercial real estate, an area where smaller and regional banks have become a bigger force in recent years.
Working from home has cut into office values and almost US$1.5 trillion of commercial property debt is due for repayment before the end of 2025. Meanwhile, rising interest rates have made many properties less valuable.
&ldquo US banks have become much more vulnerable to a decline in commercial real estate prices,&rdquo Torsten Slok, chief economist at Apollo Global Management, wrote in an e-mail to clients last week.
The upshot is that 700 US banks now exceed the Federal Deposit Insurance Corp&rsquo s (FDIC&rsquo s) guidance from 2006 on commercial real estate loan concentration, he calculated. Two years ago, it was less than half that number. There were about 4,700 FDIC insured US banks as at the end of March.
The guidelines were introduced in 2006 to address loan concentration and risk management deficiencies among banks in relation to commercial property loans. Those who exceed them are potentially subject to greater supervisory scrutiny, including higher capital levels and heightened risk management practices.
The FDIC declined to comment. Its chairman Martin Gruenberg said last month that potential problems with property portfolios will be a matter of &ldquo ongoing supervisory attention&rdquo and that &ldquo despite the recent period of stress, the banking industry has proven to be quite resilient&rdquo .
Some banks are already shrinking their exposure to commercial real estate. PacWest Bancorp, one of the US lenders engulfed in the commotion, is selling a US$2.6 billion portfolio of real estate construction loans to shore up liquidity.
&ldquo The small minnows&rdquo have the &ldquo lion&rsquo s share of the exposure&rdquo , Monsur Hussain, head of research for global financial institutions at Fitch Ratings, said on a webinar last week. &ldquo They have approximately 14 per cent of their total assets in commercial real estate exposures, but it can be as high as over 40 per cent of their total assets.&rdquo
Any further regional bank failures would likely make credit even more difficult to access for property developers and landlords, especially those who are smaller or lower quality.
The headwinds mean office values are now down 27 per cent on average from their recent peak after falling further in the past month, according to Green Street. The average commercial property is down 15 per cent.
&ldquo There&rsquo s not much transacting these days because buyers and sellers can&rsquo t seem to agree on pricing,&rdquo Peter Rothemund, co-head of strategic research at the firm, said in a report last week. &ldquo These situations eventually resolve themselves, and usually it&rsquo s in favour of the buyers.&rdquo
The trouble is also beginning to feed through to the commercial mortgage-backed securities (CMBS) market, where about US$140 billion of the assets are due to mature this year.
In recent years, an increasing portion of the loans that were packaged into CMBS were interest only, according to data compiled by Trepp. More than 4 per cent of office loans packaged into the securities were at least 30 days in arrears as of May, according to a recent report by the real estate data firm. That&rsquo s the highest level since 2018.
&ldquo We expect commercial real estate more broadly to remain under pressure given the immediacy of the maturity wall at a time when the single-largest lender &ndash regional banks &ndash is experiencing an elevated rate of scrutiny,&rdquo Morgan Stanley analysts including Jay Bacow wrote last week. BLOOMBERG
A credit &ldquo contraction is invariably coming&rdquo , Soros Fund Management chief executive officer Dawn Fitzpatrick said at last week&rsquo s Bloomberg Invest conference, adding that additional banks will fail because &ldquo there are more problems under the surface&rdquo .
One further source of trouble for the industry will be commercial real estate, an area where smaller and regional banks have become a bigger force in recent years.
Working from home has cut into office values and almost US$1.5 trillion of commercial property debt is due for repayment before the end of 2025. Meanwhile, rising interest rates have made many properties less valuable.
&ldquo US banks have become much more vulnerable to a decline in commercial real estate prices,&rdquo Torsten Slok, chief economist at Apollo Global Management, wrote in an e-mail to clients last week.
The upshot is that 700 US banks now exceed the Federal Deposit Insurance Corp&rsquo s (FDIC&rsquo s) guidance from 2006 on commercial real estate loan concentration, he calculated. Two years ago, it was less than half that number. There were about 4,700 FDIC insured US banks as at the end of March.
The guidelines were introduced in 2006 to address loan concentration and risk management deficiencies among banks in relation to commercial property loans. Those who exceed them are potentially subject to greater supervisory scrutiny, including higher capital levels and heightened risk management practices.
The FDIC declined to comment. Its chairman Martin Gruenberg said last month that potential problems with property portfolios will be a matter of &ldquo ongoing supervisory attention&rdquo and that &ldquo despite the recent period of stress, the banking industry has proven to be quite resilient&rdquo .
Some banks are already shrinking their exposure to commercial real estate. PacWest Bancorp, one of the US lenders engulfed in the commotion, is selling a US$2.6 billion portfolio of real estate construction loans to shore up liquidity.
&ldquo The small minnows&rdquo have the &ldquo lion&rsquo s share of the exposure&rdquo , Monsur Hussain, head of research for global financial institutions at Fitch Ratings, said on a webinar last week. &ldquo They have approximately 14 per cent of their total assets in commercial real estate exposures, but it can be as high as over 40 per cent of their total assets.&rdquo
Any further regional bank failures would likely make credit even more difficult to access for property developers and landlords, especially those who are smaller or lower quality.
The headwinds mean office values are now down 27 per cent on average from their recent peak after falling further in the past month, according to Green Street. The average commercial property is down 15 per cent.
&ldquo There&rsquo s not much transacting these days because buyers and sellers can&rsquo t seem to agree on pricing,&rdquo Peter Rothemund, co-head of strategic research at the firm, said in a report last week. &ldquo These situations eventually resolve themselves, and usually it&rsquo s in favour of the buyers.&rdquo
The trouble is also beginning to feed through to the commercial mortgage-backed securities (CMBS) market, where about US$140 billion of the assets are due to mature this year.
In recent years, an increasing portion of the loans that were packaged into CMBS were interest only, according to data compiled by Trepp. More than 4 per cent of office loans packaged into the securities were at least 30 days in arrears as of May, according to a recent report by the real estate data firm. That&rsquo s the highest level since 2018.
&ldquo We expect commercial real estate more broadly to remain under pressure given the immediacy of the maturity wall at a time when the single-largest lender &ndash regional banks &ndash is experiencing an elevated rate of scrutiny,&rdquo Morgan Stanley analysts including Jay Bacow wrote last week. BLOOMBERG
chartistkao1 ( Date: 09-Jun-2023 15:57) Posted:
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will bidden stay on in power come 2024
https://abcnews.go.com/US/donald-trump-indicted-time-sources/story?id=99408228
https://abcnews.go.com/US/donald-trump-indicted-time-sources/story?id=99408228
chartistkao1 ( Date: 09-Jun-2023 15:55) Posted:
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preparing when US start the biggest money printing machine to use them to flood the second largest economy
https://economictimes.indiatimes.com/tech/technology/for-musk-and-other-foreign-ceos-visiting-china-silence-is-golden/articleshow/100810818.cms
https://economictimes.indiatimes.com/tech/technology/for-musk-and-other-foreign-ceos-visiting-china-silence-is-golden/articleshow/100810818.cms
chartistkao1 ( Date: 09-Jun-2023 15:49) Posted:
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https://www.aljazeera.com/economy/2022/10/11/hong-kong-shares-dive-to-11-year-low-as-china-touts-zero-covid
https://www.project-syndicate.org/commentary/china-rise-reinforced-by-svb-collapse-by-stephen-s-roach-2023-03
chartistkao1 ( Date: 09-Jun-2023 15:45) Posted:
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no money no worry
https://www.livemint.com/news/world/will-us-run-out-of-cash-after-1-june-heres-all-you-need-to-know-11684821596498.html
print money
https://finance.yahoo.com/news/treasury-department-may-issue-1-032015994.html
inflation no worry flood your enemy with printed money
https://www.livemint.com/news/world/will-us-run-out-of-cash-after-1-june-heres-all-you-need-to-know-11684821596498.html
print money
https://finance.yahoo.com/news/treasury-department-may-issue-1-032015994.html
inflation no worry flood your enemy with printed money
chartistkao1 ( Date: 09-Jun-2023 15:41) Posted:
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soon US will have to print a Trillions of dollar and flood the global system with this cheap money
https://www.spglobal.com/marketintelligence/en/news-insights/latest-news-headlines/many-mainland-china-listed-banks-trading-below-book-value-as-2019-starts-49367612
https://www.thestandard.com.hk/breaking-news/section/2/196447/Chinese-stocks-in-Hong-Kong-have-worst-ever-post-congress-week-%C2%A0
chartistkao1 ( Date: 09-Jun-2023 15:38) Posted:
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fearful when others are greedy, and greedy when others are fearful
https://www.fidelity.com.sg/articles/analysis-and-research/2023-03-20-chinas-banks-have-seen-this-show-before-1679367207838
chartistkao1 ( Date: 09-Jun-2023 14:36) Posted:
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http://epaper.chinadaily.com.cn/a/202304/06/WS642de6faa310777689887e84.html
chartistkao1 ( Date: 09-Jun-2023 14:34) Posted:
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存 贷 款 利 率 现 倒 挂 之 势 ， 这 意 味 着 银 行 的 存 款 利 率 高 于 贷 款 利 率 。 这 种 情 况 对 银 行 的 净 息 差 （ 即 存 贷 款 利 差 ） 造 成 了 一 定 的 压 力 ， 因 为 它 们 无 法 从 贷 款 利 息 中 获 得 足 够 的 收 入 来 抵 消 支 付 给 存 款 人 的 利 息 。
面 对 这 种 情 况 ， 银 行 可 能 会 采 取 一 些 措 施 来 保 卫 净 息 差 。 以 下 是 一 些 可 能 的 举 措 ：
面 对 这 种 情 况 ， 银 行 可 能 会 采 取 一 些 措 施 来 保 卫 净 息 差 。 以 下 是 一 些 可 能 的 举 措 ：
- 贷 款 利 率 上 调 ： 银 行 可 以 调 高 贷 款 利 率 ， 以 提 高 其 贷 款 业 务 的 收 入 。 这 可 能 会 使 得 借 款 变 得 更 昂 贵 ， 但 银 行 可 以 通 过 这 种 方 式 增 加 其 利 润 。
- 存 款 利 率 下 调 ： 尽 管 存 款 利 率 已 经 较 高 ， 但 银 行 可 以 考 虑 适 度 下 调 存 款 利 率 ， 以 减 少 支 付 给 存 款 人 的 成 本 。
- 寻 找 其 他 收 入 来 源 ： 银 行 可 以 寻 找 其 他 的 收 入 来 源 ， 以 弥 补 净 息 差 的 不 足 。 例 如 ， 提 高 非 利 息 收 入 （ 如 手 续 费 和 佣 金 ） 、 推 出 新 的 金 融 产 品 或 服 务 等 。
- 降 低 成 本 ： 银 行 可 以 通 过 优 化 内 部 运 营 和 降 低 成 本 来 增 加 净 息 差 。 这 可 能 包 括 减 少 人 力 成 本 、 提 高 效 率 、 优 化 业 务 流 程 等 。
- 资 产 负 债 管 理 ： 银 行 可 以 通 过 优 化 资 产 负 债 表 来 管 理 净 息 差 风 险 。 这 可 能 包 括 调 整 存 贷 款 结 构 、 增 加 优 质 贷 款 的 比 例 、 控 制 风 险 敞 口 等
https://finance.sina.com.cn/money/bank/bank_hydt/2023-06-07/doc-imywmksp3871895.shtml
chartistkao1 ( Date: 09-Jun-2023 14:28) Posted:
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一 般 情 况 下 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 关 联 房 贷 的 贷 款 市 场 报 价 利 率 （ LPR） 的 降 低 。 存 款 利 率 和 贷 款 利 率 是 由 不 同 的 市 场 机 制 决 定 的 。
存 款 利 率 通 常 由 央 行 或 其 他 金 融 机 构 设 定 ， 以 反 映 银 行 对 存 款 的 回 报 率 。 当 央 行 降 低 存 款 利 率 时 ， 银 行 可 能 会 降 低 存 款 利 率 ， 以 吸 引 更 多 的 存 款 。 然 而 ， 贷 款 利 率 受 到 多 个 因 素 的 影 响 ， 包 括 央 行 政 策 、 市 场 竞 争 、 经 济 形 势 和 风 险 评 估 等 。 因 此 ， 即 使 存 款 利 率 下 降 ， 银 行 并 不 一 定 会 立 即 降 低 贷 款 利 率 。
贷 款 市 场 报 价 利 率 （ LPR） 是 中 国 的 一 种 利 率 定 价 机 制 ， 由 央 行 发 布 ， 并 根 据 市 场 供 求 和 风 险 情 况 进 行 调 整 。 央 行 可 能 会 根 据 经 济 形 势 和 货 币 政 策 来 调 整 LPR。 因 此 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 LPR的 降 低 ， 而 是 受 到 央 行 政 策 和 市 场 因 素 的 综 合 影 响 。
需 要 注 意 的 是 ， 贷 款 利 率 的 变 化 也 可 能 受 到 其 他 因 素 的 影 响 ， 如 央 行 的 货 币 政 策 调 整 、 宏 观 经 济 形 势 、 金 融 市 场 的 变 化 等 。 如 果 您 关 注 房 贷 利 率 的 变 化 ， 建 议 您 密 切 关 注 央 行 的 政 策 动 向 和 相 关 市 场 信 息 ， 以 获 得 最 新 的 信 息 和 数 据 。
一 般 情 况 下 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 关 联 房 贷 的 贷 款 市 场 报 价 利 率 （ LPR） 的 降 低 。 存 款 利 率 和 贷 款 利 率 是 由 不 同 的 市 场 机 制 决 定 的 。
存 款 利 率 通 常 由 央 行 或 其 他 金 融 机 构 设 定 ， 以 反 映 银 行 对 存 款 的 回 报 率 。 当 央 行 降 低 存 款 利 率 时 ， 银 行 可 能 会 降 低 存 款 利 率 ， 以 吸 引 更 多 的 存 款 。 然 而 ， 贷 款 利 率 受 到 多 个 因 素 的 影 响 ， 包 括 央 行 政 策 、 市 场 竞 争 、 经 济 形 势 和 风 险 评 估 等 。 因 此 ， 即 使 存 款 利 率 下 降 ， 银 行 并 不 一 定 会 立 即 降 低 贷 款 利 率 。
贷 款 市 场 报 价 利 率 （ LPR） 是 中 国 的 一 种 利 率 定 价 机 制 ， 由 央 行 发 布 ， 并 根 据 市 场 供 求 和 风 险 情 况 进 行 调 整 。 央 行 可 能 会 根 据 经 济 形 势 和 货 币 政 策 来 调 整 LPR。 因 此 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 LPR的 降 低 ， 而 是 受 到 央 行 政 策 和 市 场 因 素 的 综 合 影 响 。
需 要 注 意 的 是 ， 贷 款 利 率 的 变 化 也 可 能 受 到 其 他 因 素 的 影 响 ， 如 央 行 的 货 币 政 策 调 整 、 宏 观 经 济 形 势 、 金 融 市 场 的 变 化 等 。 如 果 您 关 注 房 贷 利 率 的 变 化 ， 建 议 您 密 切 关 注 央 行 的 政 策 动 向 和 相 关 市 场 信 息 ， 以 获 得 最 新 的 信 息 和 数 据 。
存 款 利 率 通 常 由 央 行 或 其 他 金 融 机 构 设 定 ， 以 反 映 银 行 对 存 款 的 回 报 率 。 当 央 行 降 低 存 款 利 率 时 ， 银 行 可 能 会 降 低 存 款 利 率 ， 以 吸 引 更 多 的 存 款 。 然 而 ， 贷 款 利 率 受 到 多 个 因 素 的 影 响 ， 包 括 央 行 政 策 、 市 场 竞 争 、 经 济 形 势 和 风 险 评 估 等 。 因 此 ， 即 使 存 款 利 率 下 降 ， 银 行 并 不 一 定 会 立 即 降 低 贷 款 利 率 。
贷 款 市 场 报 价 利 率 （ LPR） 是 中 国 的 一 种 利 率 定 价 机 制 ， 由 央 行 发 布 ， 并 根 据 市 场 供 求 和 风 险 情 况 进 行 调 整 。 央 行 可 能 会 根 据 经 济 形 势 和 货 币 政 策 来 调 整 LPR。 因 此 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 LPR的 降 低 ， 而 是 受 到 央 行 政 策 和 市 场 因 素 的 综 合 影 响 。
需 要 注 意 的 是 ， 贷 款 利 率 的 变 化 也 可 能 受 到 其 他 因 素 的 影 响 ， 如 央 行 的 货 币 政 策 调 整 、 宏 观 经 济 形 势 、 金 融 市 场 的 变 化 等 。 如 果 您 关 注 房 贷 利 率 的 变 化 ， 建 议 您 密 切 关 注 央 行 的 政 策 动 向 和 相 关 市 场 信 息 ， 以 获 得 最 新 的 信 息 和 数 据 。
一 般 情 况 下 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 关 联 房 贷 的 贷 款 市 场 报 价 利 率 （ LPR） 的 降 低 。 存 款 利 率 和 贷 款 利 率 是 由 不 同 的 市 场 机 制 决 定 的 。
存 款 利 率 通 常 由 央 行 或 其 他 金 融 机 构 设 定 ， 以 反 映 银 行 对 存 款 的 回 报 率 。 当 央 行 降 低 存 款 利 率 时 ， 银 行 可 能 会 降 低 存 款 利 率 ， 以 吸 引 更 多 的 存 款 。 然 而 ， 贷 款 利 率 受 到 多 个 因 素 的 影 响 ， 包 括 央 行 政 策 、 市 场 竞 争 、 经 济 形 势 和 风 险 评 估 等 。 因 此 ， 即 使 存 款 利 率 下 降 ， 银 行 并 不 一 定 会 立 即 降 低 贷 款 利 率 。
贷 款 市 场 报 价 利 率 （ LPR） 是 中 国 的 一 种 利 率 定 价 机 制 ， 由 央 行 发 布 ， 并 根 据 市 场 供 求 和 风 险 情 况 进 行 调 整 。 央 行 可 能 会 根 据 经 济 形 势 和 货 币 政 策 来 调 整 LPR。 因 此 ， 存 款 利 率 的 降 低 并 不 直 接 导 致 LPR的 降 低 ， 而 是 受 到 央 行 政 策 和 市 场 因 素 的 综 合 影 响 。
需 要 注 意 的 是 ， 贷 款 利 率 的 变 化 也 可 能 受 到 其 他 因 素 的 影 响 ， 如 央 行 的 货 币 政 策 调 整 、 宏 观 经 济 形 势 、 金 融 市 场 的 变 化 等 。 如 果 您 关 注 房 贷 利 率 的 变 化 ， 建 议 您 密 切 关 注 央 行 的 政 策 动 向 和 相 关 市 场 信 息 ， 以 获 得 最 新 的 信 息 和 数 据 。
chartistkao1 ( Date: 09-Jun-2023 14:20) Posted:
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