Era of negative interest rates: 100,000 yuan deposit Bank 1-year net loss of 537-bank deposits, CPI-IT information
Recently, with the pork, vegetable prices rose sharply and pushed up the CPI. Public concern over negative interest rate suddenly increased.
"Put the money in the Bank is the equivalent has been devalued, I really do not know where should I put the money in to. "Yesterday, the Xian public Lee's China business newspaper reporters talking about financial topics, said quizzically.
In January this year, China's consumer price index (CPI) over State line after the one-year deposit interest rate to float, and in February more than joint-stock banks, which indicates that China has entered the era of negative real interest rates at this stage. In this regard, industry accounts, 100,000 yuan deposit Bank an annual net loss of 537 million .
Regular at least 100,000 yuan a year the Bank lost nearly 300
The consumer price index (CPI) is used to directly measure a country's level of inflation index when the index above the one-year deposit interest rate for a period of time, deposits of residents in the period of negative real interest rates, especially for the countries with high savings rates, memory banks during this period for one year lost money on a regular basis.
According to the bank rate database statistics October 2015 after the rate cut, five State-owned commercial bank's one-year deposit interest rate uniform float 16.67%, 1.75%; 10 listed joint-stock banks, apart from CMB aligned with five major State-owned commercial banks as 1.75%, 9 other uniform floating 33.33%, one-year fixed rate of 2%.
According to statistics,quarter of 2015 CPI remained at around 1.5%, January 2016 CPI 1.8%, 0.05% higher than the big state-owned bank's one-year deposit rate ; in February reached 2.3%, 0.55% higher than the big state-owned bank's one-year deposit rate, 0.3% more than joint-stock Bank's one-year deposit rate in March and April's CPI flat in February.
What, then, shall deposit a sum for one year lost money on a regular basis? On this, silver rate network analyst yanzijie for China business reported reporter forget a pen account, assumed deposits 100,000 yuan, and annual CPI in 2.3% around, is to 2.3% for inflation rate, so calculation state-owned big line and investment bank: a years period deposits interest rate 1.75%, 100,000 yuan deposits due principal and interest total for 101750 Yuan, according to cash value, to 2.3% of inflation rate on due principal and interest for folding now, 101750 ÷ 1.023 is 99462.37, that is one year after the 101750 only now 99462.37 Yuan, meaning that the banks pay 100,000 yuan a year regularly, expiration is actually a net loss of 537.63 yuan.
Similarly, the other 9 listed joint-stock banks: one-year deposit interest rate 2%, 100,000 yuan deposit interest total 102000 Yuan, calculated in the same way, after discount is only 99706.74 Yuan, due was actually a net loss of 293.26 Yuan .
Configurable ordinary investors capital preservation products
So, the question, negative interest rates for ordinary people how to manage their money? In this regard, the industry believes, for the average investor, you can configure some better monetary funds, bank capital-protected products, such as, "it's at least much better than time deposit".
Yanzijie believes that in a period of negative real interest rates, people learn how to deposit moving, looking for something higher than the inflation rate steady investment alternative to simple deposit, such as better monetary funds, bank capital-protected products, such as.
He Lei, a joint-stock Bank's personal business manager, from another point of view, "in the current interest rate level as a whole, regardless of the deposit banks, also bought banking, in reality not worthwhile, to make ends meet. So for now, saving rather than spending, such as travel, study abroad, and so on. ”
But in terms of pure financial goals, He Lei to investor types, radical types can participate in entrepreneurial projects, balanced you can trust of investment for the project, while conservative investors can buy some capital preservation products, products such as money market funds and treasuries.
负利率时代来临：10万元存银行1年净亏537元 - 银行,存款,CPI - IT资讯
近期，随着猪肉、蔬菜价格的大幅上涨，进而推高了CPI。于是市民对负利率的关注度突然提升。
“把钱放银行，就相当于一直在贬值，真不知道应该把钱存在哪里去。”昨日，西安市民李女士对华商报记者谈及理财话题，疑惑地说道。
今年1月，我国居民消费价格指数（CPI）超过国有大行上浮后的一年期存款利率，紧接着2月又超过股份制银行，这标志着我国现阶段已进入真实的负利率时代。对此，业内人士算了一笔账，10万元存银行一年净亏537元。
10万元存一年银行定期最少亏近300元
居民消费价格指数（CPI）是用来直观衡量一个国家通货膨胀水平的指数之一，当这一指数一段时期内高于一年期存款利率的时候，该时期内居民存款的实际利率为负，尤其是对于我国这种高储蓄率的国家来说，在这一时期内存银行一年定期是赔钱的。
据银率网数据库统计，2015年10月降息之后，五大国有商业银行的一年期存款利率统一上浮16.67%，为1.75%；10家上市的股份制银行，除了招商银行同五大国有商业银行保持一致为1.75%外，其他9家统一上浮33.33%，一年期定期利率达2.00%。
而据国家统计局数据，2015年四季度CPI基本保持在1.5%左右，2016年1月CPI达到1.8%，比国有大行一年期存款利率高出0.05个百分点；2月达到2.3%，比国有大行一年期存款利率高出0.55个百分点，比股份制银行一年期存款利率高出0.3个百分点；3月和4月的CPI同2月持平。
那么，到底计存一笔一年期定期会亏多少钱？对此，银率网分析师闫自杰为华商报记者算了一笔账，假设存款10万元，而全年CPI在2.3%左右，也就是以2.3%为通胀率，如此计算国有大行和招商银行：一年期存款利率1.75%，10万元存款到期本息合计为101750元，根据现金价值，以2.3%的通胀率对到期本息进行折现，101750÷1.023等于99462.37，即一年后的101750元仅相当于现在的99462.37元，也就是说，在这几家银行存10万元一年期定期，到期实际上是净亏537.63元。
同理，其他9家上市的股份制银行：一年期存款利率2.00%，10万元存款到期本息合计为102000元，用同样的方法计算，折现后仅有99706.74元，到期实际上是净亏293.26元。
普通投资者可配置保本理财产品
那么，问题来了，负利率时代普通老百姓到底如何理财？对此，业内人士认为，普通的投资者来说，可以配置一些较好的货币基金、银行保本型理财产品、国债等，“这至少比存定期好很多”。
闫自杰认为，在实际负利率时期，老百姓要学会存款搬家，寻找一些高于通货膨胀率的稳健型投资产品来替代简单的存款，比如表现较好的货币基金、银行保本型理财产品、国债等。
某股份制银行个人业务部经理贺磊则从另外一个角度认为，“在目前整个利率水平下，不管存银行定期，还是买银行理财，事实上都不划算，入不敷出。所以就当下来说，存钱不如去消费，比如去旅游、留学等等。”
而就纯理财目标来说，贺磊以投资者类型来分，激进型可以参与创业型项目投资，平衡型则可以投资适合的信托项目，而保守型投资者则可以买一些保本理财产品，诸如货币基金及国债等产品。