存款准备金率是什么意思?上调存款准备金率和下调存款准备金率有什么影响

2025-03-15 12:03:23
推荐回答(2个)
回答1:

存款准备金是指金融机构为保证客户提取存款和资金清算需要而准备的在中央银行的存款,中央银行要求的存款准备金占其存款总额的比例就是存款准备金率。存款准备金,是限制金融机构信贷扩张和保证客户提取存款和资金清算需要而准备的资金。法定存款准备金率,是金融机构按规定向中央银行缴纳的存款准备金占其存款的总额的比率。这一部分是一个风险准备金,是不能够用于发放贷款的。这个比例越高,执行的紧缩政策力度越大。

回答2:

存款准备金率,是国家中央银行为稳定市场金融秩序、刺激经济又快又好发展的一个重要工具。五大银行(工、农、中、建、交)都是国有银行,而中央银行是管理这5大行,以及下边其他地方商业银行的老大。企业、单位、个人要开展商业运作,需要资金,就要去银行贷款。银行的钱虽然很多,但是不是所有的钱都可以放出去贷款(放贷)。可以放多少,就要根据准款准备金率来调整。如:某个区域或某个行业即将出现较大的泡沫,央行就会上调银行的存款准备金率。导致的结果是什么呢:1、对申请贷款的客户进行更加复杂的审核制度;2、抬高了审核标准;3、可以放贷的金额缩减了,导致一些企业倒闭,以此实现遏制行业恶性发展的势头。同理,如果国家要刺激国内经济或支柱性行业快速发展,就要下调存款准备金率。

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