Anonymous
Anonymous asked in 商業與財經個人理財 · 1 decade ago

各銀行的存款利率

請問各銀行的存放款利率(如定儲.活儲.之類)是如何計算的?和央行所公布之重貼現率.拆款利率有什麼連動或是正相關嗎?重貼現利率越高之國家,存款利率會越高嗎?我們在網路上查到的各國利率http://www.stockq.org/economy/rate.php 是重貼現率嗎?

那影響市場最重要的是那一種利率?美國聯邦理事會常公布的是存款準備率?

引用http://www.stockq.org/economy/rate.php

Update:

http://finance.wearn.com/f6.asp 請問這個是全球債市利率嗎?裡面的利率怎麼看?怎麼有115'12?那是什麼意思?那裡可以查到即時的全球債市利率呢?

Update 2:

1.另外,Fed調升利率與股債市的關係為何?低利率是景氣差,那為什麼升息對股市又不好?升息不是表示景氣要好轉了嗎?怎麼股市又不好?那怎麼又等停止升息股市又好了?

2.不是說股市與債市成反向關係嗎?但怎麼說降息對股市好,債券價格也會上升?這樣不就變正向關係了嗎?

Update 3:

另外,升息與貨幣走勢為何有關?為何升息會造成貨幣升值呢?

Update 4:

另外,以美元升.台幣貶為例,為何會造成台灣經濟與投資環境變糟?外資熱錢不會流入?台灣不是以出口為導向嗎?而且是以電子工業為主,怎麼會對台灣不好呢?(這是我看http://tw.knowledge.yahoo.com/question/question?qi...

既然能口多賺出口怎麼會不好?大陸不就一直在壓抑升值嗎?所以我覺的怪怪的

Update 5:

另外,升降息與通貨緊縮及膨脹有何關係?我需要詳細說明,謝謝

Update 6:

fed升息是升那一種息?重貼現?存款準備?

Update 7:

請問鉅亨網這個債券利率怎麼看......以美國2年公債為例...108.13281代表什麼意思...http://www.cnyes.com/twstock/eye/eye_index.asp?idx...

引用http://www.cnyes.com/twstock/eye/eye_index.asp?idx...

5 Answers

Rating
  • Gary
    Lv 7
    1 decade ago
    Favorite Answer

    In answering your questions (following ?):

    1. Interest rate of all the bank products (collectively as bank rate) are a combination of factors. In a simple way to explain, it is a combination of the monetary policies, competition among banks, banks' financial performance, and stock prices.

    2. In a simple way to explain bank rate with central bank rate, the higher central bank rate, the higher bank rate (in most of the cases).

    3. Yes.

    4. Central bank rates like Bank of England, ECB (European Central Bank and Fed (United States Federal Reserve) are the major reference rate. Of course, other banks are not required to follow. The most popular is Fed.

    5. This is not the rate but the price of the security products for currency. They may be from the central banks or private institutions. Debt markets do not have a uniform rate. Rates are established by products. But usually, the higher central bank rate, the lower debt interest rate.

    6. The reason is to control inflation and money supple. The theory is kind of complicated but is simple in application. Imagine this, when the stock market go high, you want to get your money to make some more. Then all the money will drop into the stock market, and there is no money for people to borrow (banks' money are coming from others' deposit). So central bank increase the rate, so that people will put the money back to the bank.

    7. See above. Because interest rate drop, bond rate increase. So the demand of bond will increase as well to trigger the increase in price.

    8. Imagine this, if USD rate is 10%, all the people will start holding USD for the interest. Then the sudden increase in demand will drive the price up.

    2010-01-04 03:45:19 補充:

    9. Imagine there are only 2 countries (Taiwan and the United States) in the world (and NTD and USD only). When USD appreciates and NTD depreciates, it means people can use USD to buy more from Taiwan.

    2010-01-04 03:45:23 補充:

    But Taiwanese need to spend more to buy from the United States. By this, it will create inflation (because of the increase in cost). Then, the economy and investment will be consumed (as people will cut back spending and investment).

    2010-01-04 03:45:34 補充:

    10. Remember, the classic economic principal is the middle, which mean not more not less. Simply overriding this principal will result the market to adjust itself.

    2010-01-04 03:45:46 補充:

    Also, the problem of RMB is not the value, but the way to calculate the value. Now, RMB is valued as "he says, she says" (Chinese says how much, then it is how much). So it will drive other countries crazy.

    2010-01-04 03:45:51 補充:

    So basically what other countries want is the Central Government off its hand for the currency, so that the market can adjust itself. For example, companies can buy RMB to leverage.

    2010-01-04 03:46:04 補充:

    11. See #8-9 above.

    12. Fed rate is the rate the commercial bank borrow money from the Fed. It was used as a reference in determining the bank rate (as a portion of the cost).

    2010-01-04 03:46:10 補充:

    13. Again, they are not the rate, but the price. The rates depends when the products are issued. In a simple way, The United States Department of Treasury determines the rates of a particular product.

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  • Anonymous
    5 years ago

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    6 years ago

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    6 years ago

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  • 志國
    Lv 7
    10 years ago

    每間銀行的定存利率,隔一段時間就會變動,

    今天利率最高的,一兩個月後可能反而相對較低,

    我來分享一個定存利率比較表,

    http://interest.ec9.info/

    裡面有各大銀行的定期儲蓄固定與機動利率~

    祝大家都能順利達成理財目標喔~~ ^^b

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