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降准,就是降低存款准备金。存款准备金是指央行要求商业银行将存款的一定比例交给央行保管,以防止商业银行盲目放贷,导致银行没有充足资金兑现储户的存款。存款准备金占商业银行存款总额的比例就是存款准备金率。举个例子,降准前金融机构的准备金率为20%,那么商业银行每收进100元存款,就要上交20元给央行作为存款准备金,剩下的80元才能用于放贷。存款准备金率下调0.5%后,银行可以放贷的金额就可以变为80.5元了。
RRR, is to reduce the deposit reserve. Deposit reserve refers to the central bank requires commercial banks to deposit a certain percentage of the deposit to the central bank to prevent commercial banks blind lending, resulting in the bank does not have sufficient funds to fulfill depositors deposit. The ratio of the deposit reserve to the total commercial bank deposit is the deposit reserve ratio. For example, if the RRR of a financial institution is lowered by 20%, the commercial bank will pay a deposit of 20 yuan to the central bank for every deposit of 100 yuan. The remaining 80 yuan will be used for lending. Deposit reserve ratio cut by 0.5%, the bank can lend the amount can be changed to 80.5 yuan.