1. What is the latest interest rate adjusted by the European Central Bank in 2022?

The European Central Bank's latest interest rate decision maintained interest rates unchanged, with the deposit facility rate still at a historical low of -0.5% and the marginal lending rate still at 0.25%, both in line with market expectations.

: Deposit interest rate is the standard for calculating deposit interest.

It refers to the ratio of the amount of interest to the amount of deposit within a certain period, also known as the deposit interest rate.

Deposit interest rate is an economic lever for banks to absorb deposits, and it is also an important factor affecting bank costs.

China's deposit interest rates are determined in a planned manner by the state based on objective economic conditions, currency circulation, market material supply and demand, and taking into account the interests of all parties.

Deposit interest rate units are annual interest rate, monthly interest rate, and daily interest rate (also known as annual interest rate, monthly interest rate, and daily interest rate).

The annual interest rate is expressed as a percentage of the principal, the monthly interest rate is expressed as a thousandth of the principal, and the daily interest rate is expressed as a thousandth of the principal.

It is customary in China to refer to interest rates as a few cents or cents.

Deposits can be classified in many ways. For example, they can be divided into original deposits and derivative deposits according to the way they are generated. They can be divided into current deposits and time deposits according to their terms. According to the different depositors (taking China as an example), they can be divided into unit deposits.

and personal deposits.

Personal deposits are resident savings deposits, which are currencies deposited by individual residents in banks.

Unit deposits ①Enterprise deposits.

This is the temporarily idle monetary funds generated by state-owned enterprises, supply and marketing cooperatives and collective industrial enterprises due to the inconsistent timing of sales revenue and various expenditures. It also includes various special funds that have been withdrawn but not used by the enterprise. The most important of them is

Fixed asset depreciation fund also includes profit retention.

Changes in corporate deposits depend on the scale of production, purchase and sale of goods and the status of business management. If production or commodity circulation expands, corporate deposits will increase, and vice versa; if business management improves and speeds up, corporate deposits will decrease, and vice versa.

The vast majority of corporate deposits are demand deposits, and only a small part are time deposits.

② Fiscal deposits.

The bank acts as an agent for the national treasury, and all fiscal revenue and expenditure must be handled through the bank (see the national treasury system).

Fiscal revenue and expenditure are often inconsistent in time. In the case of revenue first and expenditure later, temporarily unused funds form fiscal deposits.

③ Capital construction deposits are deposits formed from funds that have not yet been spent for capital construction. ④ Deposits of agencies, groups, and military units.

It is a deposit formed by the unused funds received by the above-mentioned units from the financial centralization.

⑤ Rural deposits.

The deposits of collective agriculture, township enterprises and rural credit cooperatives in banks, of which rural credit cooperative deposits account for more than 90%.

New types of deposits are constantly emerging in the world, such as negotiable large-amount time deposit certificates, transferable payment order accounts, telephone transfer services and automatic transfer services, money market deposit accounts, etc. Among them, negotiable large-amount time deposit certificates have also played a certain role in China.

development of.

2. Have interest rates been cut in Europe? Of course, the interest rates of the three or four major banks have been cut. What’s the latest?

The four major banks, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, adjusted their interest rates on September 15, 2022: 1. Current deposits 0.25%.

2. Regular deposits and withdrawals: 1.25% for three months, 1.45% for half a year, 1.65% for one year, 2.10% for two years, 2.60% for three years, and 2.65% for five years.

3. Lump-sum withdrawals and lump-sum withdrawals: 1.35% for one year, 1.55% for three years, and 1.55% for two years.

4. On January 15, 2009, the European Central Bank decided to lower the benchmark interest rate by 50 basis points to 2%. If other conditions remain unchanged, in the forward market, the euro is relatively...A Analysis: Selling based on interest rates

R/$-S0, EUR/$)/S0, EURO/$≈rEUR-r$. At S0, a decrease in EEUR will cause the forward exchange rate F1, EUR/$ to decrease, which means the euro appreciates.