RRR

What is RRR cutting?

RRR reduction means that the central bank reduces the statutory deposit reserve. Generally speaking, when a commercial bank receives a deposit, it will hand over a certain proportion of the funds to the People's Bank of China for safekeeping according to the regulations of the central bank, which is called deposit reserve.

What is a reserve?

The reserve is set by the central bank. If you deposit 100 yuan, the central bank stipulates that you should deposit it in 5 yuan. It was first put in the bank safe, but now it is usually put in the central bank, called deposit.

For example: 1 0,000 people each deposit in the bank 1 0,000,000, and the bank has/kloc-0,000,000. Every day the money is deposited, the bank pays an extra day of interest, and then the bank transfers the money to those who need to borrow money.

In order to prevent many people from withdrawing money, it is impossible for banks to lend all of them, leaving some for the people who withdraw money as a backup. The rest is called deposit reserve.

My mother said that I need to keep 890,000 of the 654.38+million, so 8.9% is the deposit reserve ratio.

The influence of RRR reduction on ordinary people;

(1) Work is guaranteed, because these currencies are put on the market to support enterprises, and enterprises have the ability to invest and operate better with money, which naturally benefits as employees.

(2) affect the mortgage. In the past few months, many cities have faced the shortage of mortgage loans, and many just-needed buyers have been affected. Because the bank's quota is not enough, it is more difficult for us as ordinary people to mortgage loans through banks.