震驚!錢存銀行越存越少 丹麥不惜推負利 - 股票

By James
at 2019-09-26T15:06
at 2019-09-26T15:06
Table of Contents
1.原文連結:
https://reurl.cc/M7k9QL
2.原文內容:
震驚!錢存銀行越存越少 丹麥不惜推負利促流動
EBC東森新聞
19.1k 人追蹤
東森新聞
2019年9月26日 下午12:05
https://imgur.com/joLhlz6
根據《彭博》報導,丹麥第三大銀行日德蘭銀行(Jyske Bank)於上周五(20)時表示,負
利率存款門檻將由100萬餘美元降至10萬餘美元,且未來還有機會繼續調降。而除了日德
蘭外,其他銀行也暗示將會跟進。
▼丹麥第三大銀行日德蘭銀行(Jyske Bank)(圖/取自維基百科)
https://imgur.com/zQAG70y
日德蘭銀行於上周五(20)時宣布,自12月1日起將對所有企業存款及私人存款超過75萬丹
麥克朗(約台幣342萬元)的客戶,利率將改為負0.75%。而在此前,日德蘭銀行則表示,
將對逾750萬丹麥克朗(約台幣3,420萬)存款實施負0.6%利率。
日德蘭銀行執行長Anders Dam表示,丹麥央行將關鍵存款利率降至歷史新低的負0.75%,
當該銀行存放在央行的超額準備金利率為負0.75%時,意味著該銀行虧的錢會越來越多。
丹姆也表示,這項負利率的更動可能會波及更多存戶。
▼丹麥國家銀行(Danmarks Nationalbank)(圖/取自Google Map)
https://imgur.com/jPTQNY6
不過在正常情況下,低利率政策的推行會因借貸成本降低且儲蓄較不具吸引力,使得家庭
增加支出,而在丹麥,負利率政策促使房貸再融資快速增加,但個人存款的累積也跟著上
升。跟大多數歐洲國家一樣,丹麥希望經濟復甦,但卻心有餘而力不足。
據丹麥統計局(2017)年的數據顯示,有逾16萬丹麥民眾現金存款超過75萬丹麥克朗(約台
幣342萬元)。丹麥中央銀行經濟學者Rasmus Mandsberg表示,現在存款超過75萬丹麥克
朗的人數會比先前多更多,因為民間儲蓄已比當年增加了近14%,且對消費者來說,目前
較為合理的狀況是將現金放進零利率存款帳戶,而不是將錢拿去投資負利率的短期市場商
品。
(封面圖/取自unsplash)
新聞來源 : YAHOO新聞
3.心得/評論:
真的的負利率時代
不過倒底是有誰願意把錢放在
愈存愈少的銀行。.。
--
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