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叶檀:降息对银行间拆借利率立竿见影

来源: 南方日报网络版     时间: 2019年09月21日 12:57:22
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(  央)(行)(降)(息)(,对)(中)(小)(企)(业)(、对)(民)(间)(借)(贷)(作)(用)(力)(不)(大)(。从)(P2P网)(站)(温)(商)(贷)(来)(看)(,11月)(21日)(前)(后)(网)(贷)(利)(率)(基)(本)(没)(变)(,有)(房)(产)(抵)(押)(贷)(款)(1、2个)(月)(年)(化)(利)(率)(为)(15%,3个)(月)(为)(16.8%,6个)(月)(为)(17.8%。7月)(31日)(前)(,房)(产)(抵)(押)(贷)(款)(半)(年)(期)(年)(化)(利)(率)(为)(18%,8月)(开)(始)(到)(9月)(11日)(为)(20%,9月)(11日)(之)(后)(为)(17.8%。
  上)(述)(利)(率)(基)(本)(反)(映)(了)(民)(间)(利)(率)(的)(情)(况)(,今)(年)(央)(行)(无)(论)(是)(释)(放)(常)(备)(借)(贷)(便)(利)(、中)(期)(借)(贷)(便)(利)(,还)(是)(降)(息)(,对)(民)(间)(资)(金)(影)(响)(都)(不)(大)(。直)(接)(受)(到)(影)(响)(的)(是)(银)(行)(间)(拆)(借)(利)(率)(、债)(券)(回)(购)(利)(率)(等)(。
  央)(行)(在)(三)(季)(度)(货)(币)(政)(策)(报)(告)(中)(表)(示)(,今)(年)(9月)(创)(设)(中)(期)(借)(贷)(便)(利)((MLF),并)(于)(9月)(、10月)(通)(过)(该)(工)(具)(向)(银)(行)(体)(系)(投)(放)(总)(计)(7695亿)(基)(础)(货)(币)(。这)(两)(个)(日)(期)(对)(于)(民)(间)(借)(贷)(利)(率)(没)(有)(任)(何)(影)(响)(,市)(场)(利)(率)(该)(怎)(么)(走)(,还)(是)(怎)(么)(走)(。
  对)(于)(银)(行)(间)(拆)(借)(利)(率)(有)(短)(期)(下)(降)(的)(作)(用)(,但)(起)(不)(了)(长)(期)(作)(用)(。
  央)(行)(的)(常)(规)(借)(贷)(便)(利)(不)(能)(长)(期)(压)(低)(银)(行)(拆)(借)(利)(率)(。一)(方)(面)(银)(行)(此)(前)(较)(为)(激)(进)(,需)(要)(消)(化)(坏)(账)(;另)(一)(方)(面)(银)(行)(存)(款)(在)(流)(失)(,从)(央)(行)(借)(入)(的)(又)(是)(短)(期)(资)(金)(。PSL、SLF、MLF,规)(模)(不)(小)(,以)(3个)(月)(为)(限)(,利)(率)(为)(3.5%,商)(业)(银)(行)(哪)(能)(长)(期)(放)(贷)(,哪)(能)(提)(供)(低)(息)(贷)(款)(?目)(前)(商)(业)(银)(行)(6个)(月)(期)(的)(贷)(款)(基)(准)(利)(率)(5.6%,从)(央)(行)(借)(钱)(到)(6个)(月)(放)(贷)(,利)(差)(仅)(2.1个)(百)(分)(点)(,并)(且)(还)(有)(期)(限)(风)(险)(,如)(果)(3个)(月)(之)(后)(央)(行)(不)(发)(放)(常)(规)(借)(贷)(便)(利)(了)(怎)(么)(办)(?贷)(款)(利)(率)(低)(于)(5%,商)(业)(银)(行)(就)(不)(赚)(钱)(,商)(业)(银)(行)(为)(什)(么)(要)(做)(活)(雷)(锋)(?
  央)(行)(降)(息)(之)(后)(,对)(民)(间)(借)(贷)(利)(率)(基)(本)(没)(有)(影)(响)(,对)(降)(低)(银)(行)(间)(拆)(借)(利)(率)(立)(竿)(见)(影)(。11月)(20日)(,上)(海)(银)(行)(间)(同)(业)(隔)(夜)(拆)(借)(利)(率)(2.428,11月)(21日)(下)(降)(到)(2.3042;11月)(20日)(,1个)(月)(期)(同)(业)(拆)(借)(利)(率)(3.809,11月)(21日)(下)(降)(到)(3.6739;11月)(20日)(,3个)(月)(期)(同)(业)(拆)(借)(利)(率)(4.5054,11月)(21日)(陡)(降)(到)(3.79。多)(亏)(央)(行)(,资)(金)(紧)(张)(的)(商)(业)(银)(行)(可)(以)(度)(过)(燃)(眉)(之)(急)(。
  降)(息)(对)(于)(贷)(款)(大)(户)(的)(利)(好)(实)(实)(在)(在)(。根)(据)(央)(行)(10月)(27日)(公)(布)(的)(《三)(季)(度)(金)(融)(机)(构)(贷)(款)(投)(向)(报)(告)(》,三)(季)(度)(末)(金)(融)(机)(构)(本)(外)(币)(企)(业)(及)(其)(他)(部)(门)(中)(长)(期)(贷)(款)(余)(额)(31.08万)(亿)(元)(,同)(比)(增)(长)(11.2%,增)(速)(比)(上)(季)(末)(低)(0.4个)(百)(分)(点)(;前)(三)(季)(度)(增)(加)(2.88万)(亿)(元)(,同)(比)(增)(加)(7449亿)(元)(。11月)(21日)(降)(息)(,金)(融)(机)(构)(一)(年)(期)(贷)(款)(基)(准)(利)(率)(下)(调)(0.4个)(百)(分)(点)(至)(5.6%,以)(一)(年)(期)(贷)(款)(利)(率)(计)(,企)(业)(的)(中)(长)(期)(贷)(款)(利)(率)(可)(节)(约)(1240亿)(元)(。
  降)(息)(了)(,银)(行)(是)(否)(愿)(意)(贷)(款)(,实)(际)(贷)(款)(利)(率)(是)(否)(下)(降)(,完)(全)(决)(定)(于)(市)(场)(。不)(论)(是)(短)(期)(贷)(款)(、中)(长)(期)(贷)(款)(增)(速)(,还)(是)(分)(用)(途)(贷)(款)(,都)(在)(下)(降)(。全)(部)(金)(融)(机)(构)(本)(外)(币)(企)(业)(及)(其)(他)(部)(门)(固)(定)(资)(产)(贷)(款)(余)(额)(25.68万)(亿)(元)(,同)(比)(增)(长)(12.3%,增)(速)(比)(上)(季)(末)(低)(0.3个)(百)(分)(点)(;经)(营)(性)(贷)(款)(余)(额)(27.02万)(亿)(元)(,同)(比)(增)(长)(10.6%,增)(速)(比)(上)(季)(末)(低)(3.4个)(百)(分)(点)(。业)(内)(人)(士)(清)(楚)(的)(是)(,在)(资)(金)(紧)(张)(的)(情)(况)(下)(,即)(使)(名)(义)(利)(率)(下)(降)(,实)(际)(利)(率)(也)(会)(通)(过)(服)(务)(费)(、贷)(后)(再)(存)(款)(等)(方)(式)(找)(补)(回)(来)(。
  要)(解)(决)(融)(资)(难)(没)(有)(其)(他)(办)(法)(,要)(么)(大)(规)(模)(发)(放)(真)(实)(的)(基)(础)(货)(币)(,那)(么)(股)(票)(、房)(地)(产)(市)(场)(会)(涨)(上)(天)(,基)(础)(建)(设)(投)(资)(将)(进)(一)(步)(加)(速)(。或)(者)(建)(立)(高)(效)(率)(的)(风)(险)(筛)(选)(体)(系)(,如)(淘)(宝)(小)(微)(贷)(,去)(年)(5月)(20日)(,阿)(里)(官)(方)(透)(露)(,在)(5月)(18日)(阿)(里)(设)(定)(的)(“小)(微)(信)(贷)(日)(”中)(,有)(1.8万)(家)(淘)(宝)(小)(卖)(家)(分)(享)(了)(阿)(里)(小)(微)(信)(贷)(的)(3亿)(元)(淘)(宝)(信)(用)(贷)(款)(,平)(均)(每)(个)(卖)(家)(贷)(款)(约)(1.6万)(元)(,当)(天)(获)(贷)(的)(小)(卖)(家)(80%在)(二)(颗)(钻)(以)(下)(。效)(率)(虽)(高)(,利)(率)(不)(低)(,由)(于)(贷)(款)(周)(期)(短)(,小)(卖)(家)(还)(能)(承)(受)(。
  不)(从)(增)(发)(货)(币)(入)(手)(,不)(从)(增)(加)(信)(用)(筛)(选)(效)(率)(入)(手)(,其)(他)(手)(段)(再)(高)(明)(,也)(难)(以)(真)(正)(缓)(解)(目)(前)(的)(金)(融)(困)(境)(。
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