RRR cut means that RRR cut is one of the expansionary monetary policies of the central bank. The central bank reduces the statutory deposit reserve ratio, which affects the number of banks' loanable funds, thus increasing the credit scale, increasing the money supply, releasing liquidity and stimulating economic growth.
Reducing the reserve is only to hedge the risk of a hard landing and can be used for stock trading. If the policy strength exceeds market expectations, the best performance is banking stocks; But for the future economic situation, monetary policy is not omnipotent.
Interest rate reduction means that banks use interest rate adjustment to change cash flow. When banks cut interest rates, the income of funds deposited in banks will decrease, so cutting interest rates will lead to the outflow of funds from banks, and deposits will become investment or consumption, which will lead to increased liquidity of funds. Generally speaking, cutting interest rates will bring more funds to the stock market, so it will help the stock price rise. The interest rate cut will stimulate the development of the real estate industry. Interest rate cuts will promote the expansion and reproduction of corporate loans, encourage consumers to buy bulk commodities with loans, and the economy will gradually heat up. From 20 14,165438+122, the benchmark interest rates for RMB loans and deposits of financial institutions will be lowered.
RRR's interest rate cut only released the margin of commercial banks in the central bank, increased the supply of market funds, and was conducive to stimulating production links. The increase of currency circulation will cause inflation. The interest rate cut is to reduce the bank's loan interest rate. It does not increase the amount of market funds, but it can change the investment direction of funds, mainly to encourage the investment behavior of enterprises, which does not necessarily mean that the currency circulation will increase. It has two main functions: first, by reducing the rate of return of central bank deposits, money will enter the market outside banks, and deposits will become investment or consumption, thus improving the activity of transactions and the liquidity of funds;
Second, it can reduce the cost of loans, thus improving the competitiveness of products. Cutting interest rates will bring more funds to the stock market, so it will help the stock price rise. The interest rate cut will stimulate the development of the real estate industry. Interest rate cuts will promote the expansion and reproduction of corporate loans, encourage consumers to buy bulk commodities with loans, and the economy will gradually heat up. RRR's interest rate cut has limited impact on the real estate market. The first is to reduce the deposit reserve ratio, which is super good for bank stocks, while benefiting the stock market and the property market. Reducing the reserve is only to hedge the risk of a hard landing and can be used for stock trading. If the policy strength exceeds market expectations, the best performance is banking stocks; But for the future economic situation, monetary policy is not omnipotent.