Medium and short term interest rates are more expensive than long-term bank deposits to goods than t

Banks in the short-term interest rates & ldquo; expensive over & rdquo; long term < /> br;
The effect of income deposits upside down goods more than three < br />
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According to the Bank of China (3.420, 0Statistics, 0% of the International Financial Research Institute, as of July 31, 2016, 17 banks on average 5 year deposit rate was 3, 2.94% year deposit rate was 2.9%, the difference was only 0.04%. Part of the bank deposit interest rate even & amp; ldquo; upside down & amp; rdquo;, such as Bohai bank 5 year time deposit interest rates to 3%, and 3-year rate to 3.25%. Br; /> <
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Interest rates and upside down, a lot of people think this means that the banks to attract long-term deposits will reduce, some people think that the banks have found outside the deposit is the main source of funding, and people even think that the next central bank will continue to cut interest rates. Br; /> <
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Economic Herald reporter interviewed several industry said that funds hunger and satiety uneven phenomenon exists in banking industry, the large bank capital adequacy, short and long term fixed deposit interest rate inversion phenomenon or because of to absorb deposit will not high caused by. Br; /> <
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Medium and short term deposit liquidity strong br; /> <
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& ldquo; the interest rate inversion site, proved that at this stage of liquidity is sufficient. & amp; rdquo; Shandong University of Finance and economics, fiscal, taxation and financial director of the Institute, the herald commentator Chen said, & amp; rdquo; as far as I know, the five major state-owned banks and large commercial banks are not & amp; '; money & amp; rsquo; in the current economic trend is clearly downward, the bank I am afraid of aggressive lending problems, at the same time to absorb deposits of little interest. & rdquo; < /> br;
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But Chen Bank insiders do not agree with the point of view, Qilu bank in the southern suburbs of Jinan Branch of customer manager Zhang believes that long-term deposit interest rate inversion phenomenon is indeed possible, but more precisely is in order to attract deposits, & amp; ldquo; now the main source of funds for banks is within three years in short-term deposits, in order to attract more deposits, many banks will raise short-term interest rates, meet or exceed the 5 year time deposit interest rates, this is possible. & rdquo; < /> br;
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Chen think relative to large banks, small - and medium-sized banks, the financial situation is not so optimistic, so its by raising interest rates interval to attract deposits, but the results made growth of short-term fixed deposit interest rate inversion phenomenon is indeed possible. & ldquo; medium and short term deposit liquidity is strong, is more sensitive to the interest rate; the long-term deposit liquidity is not strong, is not sensitive to the interest rate. So when setting the bank deposit interest rates, may be ignored naturally or half unconsciously long-term deposits, resulting in the so-called inversion phenomenon. & rdquo; < /> br;
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Said Zhang Yanyan, & amp; rdquo; after the last five wheel after the cut. Now everyone thinks interest rates will rise in the future, so long-term deposit interest rate is & amp; '; bide one's time & amp;'s; the, after all, can not predict five years after the interest rate. & rdquo; < /> br;
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There may be & ldquo; rdquo; < deposit upside down & br; />
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The length of time deposit interest rates down this strange phenomenon, the financial industry and even the whole economy produce what kind of impact? Experts interviewed believe that the direct impact on the economy is limited, the public does not need to make too much of the interpretation of business owners. But if the inversion phenomenon lasts for a long term, it will produce great harm. Br; /> <
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& ldquo; the current evaluation system of large banks, & lsquo; non-performing assets & rsquo; is the core of the assessment project. So in the local area, many banks prefer to lend less, also unwilling to bear the increased risk of non-performing assets. & amp; rdquo; Chen believes large bank appraisal system should be altered, should from the top-level design, from the policy to small and medium-sized enterprises tilt. & amp; ldquo; now the bank is willing to loans to the central enterprises, first of all central enterprises more profit guarantee, secondly even owing on the loan is not timely, central enterprises & amp; '; have the ability & amp; rsquo; avoid let money become non-performing assets. & rdquo; < /> br;
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Yanyan told the Herald reporter, they currently Bank launched the mainstream financial products the annual interest rate is 4% - 4.5%, and not because of the so-called inversion phenomenon produce large fluctuations, there is no intensive introduction of the new products. & ldquo; after all, the cost of financial products to pay a higher rate of interest, the bank still want to deposit more depositors. & rdquo; < /> br;
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With the insurance company for the financial industry there is no inversion phenomenon, Huatai Property Insurance Company of Shandong Branch General Manager Geng Renwei told the Herald reporter, if the banks really due to the occurrence of a large interest rate inversion caused by the phenomenon of deposit flows to other industry, the insurance company financial type insurance proceeds rate is not too obvious changes, & amp; rdquo; and according to the current macroeconomic situation, I really don't think now banks don't need the money. & rdquo; < /> br;
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For the public, the length of time really need to deal with the deposit interest rate upside down. Chen warned: & amp; ldquo; if long term deposits with existing, that there is no immediate need for reduction, because the holdings of short-term deposit interest cannot make up for the loss of interest may; but if it is overweight, suggested that the deposit in short-term deposits. & rdquo; < /> br;
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Yanyan is that the & amp; rdquo; inversion phenomenon & amp; rdquo; to the public provided the wake, & amp; ldquo; don't put your eggs in one basket, should choose several kinds of investment channels, deposits, financial management, financial insurance to equilibrium selection. & rdquo; and Geng Renwei suggested that more attention about life insurance, because life insurance financial insurance products more. Br; /> <
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Chen said: & amp; rdquo; if the long-term deposit interest rate remains in the doldrums may appear & amp; '; deposit upside down & amp; rsquo; phenomenon, this phenomenon will cause resource & amp;'; mismatch & amp; rsquo; continues will not only on the financial sector, but also on the real economy caused by adverse effects. & rdquo; < /> br;