观念变了,一切变化都会随之而来。农村银行当前最需要的就是紧随时代步伐,随着农村居民金融消费观念的变化而适时改变自己“宝宝”们对银行已经造成了冲击,最直接的后果是银行存款下行。银行最赚钱的活期存款流走了,银行的盈利能力就会降下来。同时,“宝宝”们把从银行吸去的资金通过协议存款的方式回流到银行,抬高了银行筹资成本,银行当然把“宝宝”视为冤家对头。尽管银行对“宝宝”的冲击如临大敌,但社会公众却非常欢迎“宝宝”的存在。银行存款利率低源于金融抑制与行政管制。现在互联网 The idea has changed, all the changes will follow. What the rural banks need most right now is to follow the pace of the times. With the changing concept of rural residents’ financial consumption, it is necessary to change their own “baby” who have already had an impact on the banks. The most direct result is that bank deposits will go down. The bank’s most profitable demand deposits go away and the bank’s profitability will drop. At the same time, “Baby ” put the money sucked from the bank back into the bank through the agreement deposit, raising the bank financing cost. The bank of course regards “Baby ” as the enemy. Despite the bank’s immediate impact on the “baby”, the public welcomes the existence of “baby”. Low bank deposit interest rates stem from financial repression and administrative control. Now the internet