Recently, the topic of "negative interest rate" has caused a heated discussion. Due to the COVID-19 epidemic and the global economic downturn, many enterprises are facing the risk of bankruptcy. According to statistics, the unemployment rate in the United States in April has reached 14%. In order to boost the economy, the United States has implemented many monetary policies. Recently, US President Trump has repeatedly mentioned the benefits of negative interest rates. What should we do if the era of negative interest rates comes?

Generally speaking, people deposit money in the bank, and the bank will pay us interest on the deposit. Because the bank will use the funds we have in the bank to lend, so as to earn loan interest income, and the bank will also pay depositors a deposit interest as a reward. For example, if the annual deposit rate is 2%, then 10000 yuan will be deposited in the bank 1 year, and 200 yuan will have interest income.

Negative interest rate means that the deposit interest rate is negative. In this case, we need to pay a sum of money to the bank when we deposit a sum of money in the bank. If the annual interest rate of the deposit is -2%, if we deposit 65438+1 00000 in the bank and deposit1year, we have to pay the 200 yuan handling fee to the bank, and we can only withdraw 9800 yuan at maturity.

It can be seen that "negative interest rate" subverts the investment cognition of many friends, because in theory, negative interest rate is an almost absurd existence, but in some extreme cases, the central bank may really implement a negative interest rate policy, and negative interest rates have indeed occurred in history. For example, during 1972, Sweden charged non-resident depositors a quarterly interest rate of 2%, and in June of 20 14, the European Central Bank lowered the deposit interest rate to -0. 1%.

If the era of negative interest rate really comes, then for enterprises, more enterprises will choose to apply for loans from banks when they encounter financial difficulties, because in the era of negative interest rate, the cost of capital in the market will be reduced, which is beneficial to these enterprises and can stimulate the development of the real economy.

Personally, people are willing to spend money on consumption or investment, while enterprises are more willing to apply for loans from banks for investment. Then ordinary people in China should first enhance their abilities. The era of negative interest rate is an era when money is cheaper. If we have strong abilities and brains, we will have a chance to get more wealth.

Therefore, in the era of negative interest rates, everyone can learn more about investment and financial management, dare to pursue wealth, and thus find investment projects suitable for funds.