1. bank: the funds will be reduced, and the profit of loan business will teach you the level; But it will promote other businesses.

2. Enterprises: funds are relatively tight, so banks will choose loan targets more carefully, preferring large-scale enterprises with strong profitability and low risk, which will have a certain impact on the financing ability of some large enterprises and many small and medium-sized enterprises that rely heavily on bank loans. The stronger the better.

3. Stock market: The impact on this market is relatively small, because banks have sufficient funds, and the impact of raising some ratios on funds is limited. Once nervous, it usually appears in the early stage. After the news came out, the market was ready. The impact of the central bank's targeted reduction of the deposit reserve ratio on the stock market is also relevant.

4. Fund: No influence, basically following the stock market and bond market.

5. Futures: Short-term negative effects will have a great negative impact on some commodities in futures. At present, there is no such financial futures in China, so the impact is basically small.

6. Deposits: Banks will increase their efforts to introduce new deposits to attract deposits, but it will not affect ordinary people.

Second, the impact of the RMB deposit reserve ratio reduction:

1. The loan capacity of commercial banks has been enhanced.

2. The amount of funds that banks can use for lending will increase, the social cash flow will increase, and the investment of enterprises and individuals will also increase. When these incremental funds flow to the stock market, the stock market will rise, and when they flow to enterprises for investment, the prices of raw materials and commodities will rise, which will drive up the prices of daily necessities and eventually lead to an increase in the cost of living.

Extended data:

1. Raising the reserve ratio is a means of economic adjustment adopted during the period of inflation. Its main purpose is to implement the tight monetary policy requirements, continue to strengthen the management of liquidity in the banking system, and guide the reasonable growth of money and credit. It is an inevitable choice for policy makers to cope with the pressure of rising prices and excess liquidity.

To put it bluntly, this policy itself is to cope with the global financial crisis, draw lessons from crisis events such as subprime mortgage in the United States, and prevent banks from issuing large amounts of loans, thus affecting the livelihood of ordinary people.

Second, the deposit reserve means that banks can't use all the absorbed deposits to issue loans, and they must keep certain funds, that is, deposit reserve, in case customers need to withdraw money. In order to ensure that this money is not misappropriated, it is often kept by the central bank. Then the ratio of deposit reserve to its total deposit is the deposit reserve ratio. The deposit reserve ratio means that banks should put the absorbed deposits into the People's Bank of China according to a certain proportion. This part is a risk reserve and cannot be used to issue loans. The higher the ratio, the greater the intensity of the tightening policy.

Three, the main role of the deposit reserve:

1. Ensure the liquidity of deposit-taking monetary institutions such as commercial banks. When some banks have liquidity crisis, the central bank has the ability to rescue these banks and help them restore liquidity by providing short-term credit.

2. Concentrate on using some credit funds. This is the central bank's "lender of last resort" duty as a bank, and it can also provide rediscount to financial institutions.

3. Adjust the total money supply. For example, if the bank absorbs deposits of 1 0,000 yuan and the deposit reserve ratio is 10%, then the maximum amount that the bank can invest in the same period is 900 yuan, and the reserve of 1 0,000 yuan must be deposited in the account designated by the central bank; One of the functions of deposit reserve is to prevent the risk of bank run, which has been well utilized by the government and has become one of the tools to curb investment.