The People's Bank of China has decided that from February 24th, 20 1 1, the deposit reserve ratio of large financial institutions will reach 19.5%, a record high. To put it bluntly, if you deposit 100 yuan in the bank, the bank will deposit 19.5 yuan in the central bank, and the bank's own lending funds will be relatively reduced. The country is also trying to curb inflation.

Adjustment has six effects: 1. For banks, due to the reduction of funds and loans, the relative profits will decrease.

It is even more difficult for enterprises to borrow money from banks.

I feel that it has little impact on the stock market, but when the news comes out, there will be some reflection.

4. It has no influence on the fund and basically follows the stock market and bond market.

5. For futures, if the deposit reserve is lowered, the funds will flow into the futures market, leading to short-term violent fluctuations.

6. For deposits, banks will generally raise the deposit and loan interest rates, so that deposit interest will be more and loan repayment will be more. However, banks will also increase their efforts to attract deposits through innovation.