我国存款负利率的经济影响及对策研究

Research on the Economic Impact and the Countermeasures for China' s Negative Interest Rate

伴随物价指数的上涨,我国进入了存款负利率时期。较大幅度的存款负利率影响着社会财富在存款者、银行、政府和企业间的公平分配和社会资源的有效配置。为了保护存款者利益,提高资源配置效率,实现社会经济协调发展,我国应适当提高存款利率,逐步消除存款负利率现象。

As the price is going up, China enters the period of negative interest rate. The relatively large negative interest rate affects not only the effective allotment of social resources but also the equitable distribution of social fortunes among depositors, banks, government and enterprises. In order to protect the benefits of depositors, enhance the efficiency of resource allotment, and realize the harmonious development of social economy, the interest rate of deposit in China shall be appropriately increased so as to gradually eliminate negative interest rate.