负利率对你意味着什么?

2020-10-14 06:49

What do negative interest rates mean for you? How the Bank of England's plan to boost the economy will impact your finances eGt世界播

负利率对你意味着什么?英国央行的提振经济计划将如何影响你的财务状况。eGt世界播


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The Bank of England has paved the way for negative interest rates – meaning savers could be charged to keep their money in a bank. eGt世界播

英国央行已经为负利率铺平了道路-这意味着储户可能会被收取将钱存放在银行的费用。eGt世界播


The central bank yesterday moved a step closer to cutting borrowing costs below zero to boost the economy after it asked lenders how they would cope. eGt世界播

中国央行昨日向将借贷成本降至零以下以提振经济更近了一步,此前它询问了贷款机构将如何应对。eGt世界播


Deputy governor Sam Woods has written to the bosses of financial institutions across the UK to ask them what steps they would need to be ready. eGt世界播

副州长山姆·伍兹写信给英国各地金融机构的老板,询问他们需要采取什么步骤才能做好准备。eGt世界播


Mr Woods stressed that this does not mean that the Bank will 'employ a zero or negative rate', but said it needed to be 'operationally ready'. eGt世界播

伍兹强调,这并不意味着世行将“采用零利率或负利率”,但他表示,世行需要“在操作上做好准备”。eGt世界播


The idea of the controversial policy, which has been used in Japan, is to penalise the hoarding of cash and encourage spending. MailOnline looks at what it means: eGt世界播

这项备受争议的政策已经在日本使用,其想法是惩罚囤积现金的行为,并鼓励消费。“每日邮报”(MailOnline)分析了它的含义:eGt世界播


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eGt世界播

eGt世界播


What is the idea of a negative interest rate and how would it work? eGt世界播

负利率的概念是什么,它将如何运作?eGt世界播


The concept of negative interest rates is to encourage banks to increase lending because the Bank of England will charge them to hold their cash. eGt世界播

负利率的概念是鼓励银行增加放贷,因为英国央行将收取持有现金的费用。eGt世界播


Commercial banks would have to hand over fees for any money they keep at the Bank of England, above the minimum they must keep aside for safety reasons. eGt世界播

商业银行将必须交出他们存放在英格兰银行的任何资金的手续费,高于出于安全原因它们必须保留的最低手续费。eGt世界播


The idea is that this will then encourage banks to lend more money, which would be expected to fuel growth in the economy. eGt世界播

其想法是,这将鼓励银行放贷更多资金,预计这将推动经济增长。eGt世界播


However the impact this would have on borrowers and savers is uncertain because it would depend on how the banks would react. eGt世界播

然而,这对借款人和储户的影响是不确定的,因为这将取决于银行的反应。eGt世界播


Has this ever happened before? eGt世界播

这种事以前发生过吗?eGt世界播


The policy has used in other countries including Japan, Denmark and Sweden and has also been adopted for years by the European Central Bank. eGt世界播

这项政策已在日本、丹麦和瑞典等其他国家使用,欧洲央行(European Central Bank)也已采用该政策多年。eGt世界播


The Bank of England has never turned interest rates negative in its 326-year history but it is now exploring all options to bolster the reeling economy amid the crisis. eGt世界播

英国央行(Bank Of England)在其326年的历史中从未将利率转为负值,但它现在正在探索所有选择,以在危机中提振摇摇欲坠的经济。eGt世界播


Will you have to pay to put money into your bank account? eGt世界播

您要付钱才能把钱存入您的银行账户吗?eGt世界播


Savers could in theory be charged to keep their money in a bank, although this has not happened in other countries which have brought in the policy. eGt世界播

理论上,储户可以被收取将钱存放在银行的费用,尽管这种情况在其他引入这项政策的国家并没有发生。eGt世界播


Families and households are therefore unlikely to have to pay to have their money in a savings account, but any interest rate offered would be expected to fall. eGt世界播

因此,家庭和家庭不太可能不得不花钱将钱存入储蓄账户,但提供的任何利率都预计会下降。eGt世界播


However experts have warned that customers being charged to pay into their account is a possibility if the policy is introduced in the UK. eGt世界播

然而,专家警告说,如果这项政策在英国推出,客户被收取到他们的账户中的费用是有可能的。eGt世界播


Former pensions minister Baroness Altmann said: 'There is a real risk that people will have to pay to keep money in cash. We've reached the point when people may will give up saving and say 'I might as well have a flutter'. Which is terrible.' eGt世界播

前养老金大臣阿尔特曼男爵夫人说:“人们必须支付现金才能存钱,这确实存在风险。我们已经到了这样的地步,人们可能会放弃储蓄,说‘我还不如心慌’。”这太可怕了。“。eGt世界播


Banks would also be concerned that charging people to deposit money would lead to a huge consumer backlash. eGt世界播

银行还会担心,向人们收取存款费用会导致消费者的巨大反弹。eGt世界播


Anna Bowes, of advice website Savings Champion, said banks could start to charge savers in the way that some current accounts charge a fee. eGt世界播

咨询网站Savings Champion的安娜·鲍斯(Anna Bowes)表示,银行可以开始像一些活期账户收取费用的方式向储户收取费用。eGt世界播


However, she said there would likely still be 'plenty' of providers keen to raise money from savings customers. eGt世界播

不过,她说,可能仍会有“大量”供应商热衷于从储蓄客户那里筹集资金。eGt世界播


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The Bank of Englandyesterday moved a step closer to cutting borrowing costs below zero to boost the economy after it asked lenders how they would cope eGt世界播

英国央行昨日向将借款成本降至零以下以提振经济更近了一步,此前央行询问贷款人将如何应对eGt世界播


Could your savings interest rates fall even further? eGt世界播

你们的储蓄利率还能进一步下降吗?eGt世界播


Savers have already seen returns on cash fall to record lows after Bank of England cut the base rate of interest to 0.1 per cent during the coronavirus crisis. eGt世界播

在英国央行(Bank Of England)在冠状病毒危机期间将基本利率下调至0.1%后,储户已经看到现金回报率降至纪录低点。eGt世界播


Many are receiving next to nothing, with some easy access savings accounts paying as little as 0.01 per cent. eGt世界播

许多人几乎没有收到任何东西,一些容易获得的储蓄账户的利率只有0.01%。eGt世界播


Eleanor Williams from Moneyfacts said: 'Should we move into the territory of negative interest rates, there is the potential that we could see savings rates fall further and possibly holding accounts that charge in the future, and even some savings accounts could go down this route - a little like how some current accounts charge a fee.' eGt世界播

MoneyFACTS的埃莉诺·威廉姆斯说:“如果我们进入负利率的领域,我们可能会看到储蓄利率进一步下降,未来可能会持有收费的账户,甚至一些储蓄账户也可能沿着这条路线走--有点像一些活期账户收取费用的方式。”eGt世界播


How would negative interest rates affect your mortgage? eGt世界播

负利率会如何影响你的抵押贷款?eGt世界播


Negative rates should provide relief to struggling borrowers, who could see the interest payments on debts such as mortgages fall. eGt世界播

负利率应该会为苦苦挣扎的借款人提供缓解,他们可能会看到抵押贷款等债务的利息支付下降。eGt世界播


Those with tracker mortgages could see a fall in their monthly repayments, but most households are on fixed rate mortgages so their repayments would not change. eGt世界播

那些拥有跟踪抵押贷款的人可能会看到他们的月还款额下降,但大多数家庭都是固定利率抵押贷款,所以他们的还款额不会改变。eGt世界播


And many variable-rate mortgages have clauses in the small print saying interest payments will never fall below zero. eGt世界播

而且,许多可变利率抵押贷款都有小字条款,称利息支付永远不会低于零。eGt世界播


In other countries there have been cases of below-zero mortgage rates, including a home loan charging minus 0.5 per cent in Denmark. eGt世界播

在其他国家也出现过抵押贷款利率低于零的情况,包括丹麦的一笔住房贷款收取负0.5%的利率。eGt世界播


The Danish bank does not pay borrowers a cheque in interest payments every month, but instead knocks the amount off the debt. eGt世界播

这家丹麦银行不是每月向借款人支付利息支票,而是将债务金额扣除。eGt世界播


For example, on a 100,000 mortgage the debt would fall by 500 in the first year even with no repayments. However, this is unlikely to happen in Britain. eGt世界播

例如,对于100,000 GB的抵押贷款,即使没有偿还,债务在第一年也会下降500 GB。然而,这不太可能在英国发生。eGt世界播


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Bank of England deputy governor Sam Woods (pictured) has written to the bosses of financial institutions across the UK to ask them what steps they would need to be ready eGt世界播

英国央行副行长萨姆·伍兹(如图)已致信英国各地金融机构的老板,询问他们需要采取哪些步骤才能做好准备eGt世界播


Will it draw people to invest in shares instead? eGt世界播

它会吸引人们转而投资股票吗?eGt世界播


Tom Selby, an analyst at investment broker AJ Bell, said negative rates could drive desperate savers to gamble on the stock market. eGt世界播

投资经纪商AJ Bell的分析师Tom Selby表示,负利率可能会驱使绝望的储户押注股市。eGt世界播


He said: 'A rate cut will be another body blow for savers who are already struggling to get a decent rate. eGt世界播

他说:“对于已经在努力获得像样利率的储户来说,降息将是另一个沉重的打击。”eGt世界播


'Indeed, getting any kind of return at all on your money may become all but impossible unless you are willing to take some stock market risk.' eGt世界播

事实上,除非你愿意承担一些股市风险,否则从你的资金中获得任何形式的回报可能几乎是不可能的。eGt世界播


What is the Bank of England doing now? eGt世界播

英国央行现在在做什么?eGt世界播


Bank of England deputy governor Sam Woods has written to the bosses of financial institutions across the UK to ask them what steps they would need to be ready. eGt世界播

英国央行副行长山姆·伍兹已经写信给英国各地金融机构的老板,询问他们需要采取什么步骤才能做好准备。eGt世界播


Mr Woods stressed that this does not mean that the Bank will 'employ a zero or negative rate', but said it needed to be 'operationally ready to implement it in a way that does not adversely affect the safety and soundness of firms'. eGt世界播

伍兹强调,这并不意味着世行将“采用零利率或负利率”,但他表示,世行需要“在操作上做好准备,以不会对公司的安全和稳健产生负面影响的方式实施”。eGt世界播


He added 'we recognise that a negative policy rate could have wider implications for your firm's business and your customers.' eGt世界播

他还说,我们认识到负政策利率可能会对贵公司的业务和客户产生更广泛的影响。eGt世界播


Has the concept been suggested in Britain before? eGt世界播

这个概念以前在英国被提出过吗?eGt世界播


Lenders have been braced for the possibility that rates may go below zero since May, when the Bank of England governor Andrew Bailey confirmed for the first time that negative interest rates were actively being reviewed. eGt世界播

自5月以来,银行一直在为利率可能降至零以下做好准备,当时英国央行(Bank Of England)行长安德鲁·贝利(Andrew Bailey)首次证实,正在积极评估负利率。eGt世界播


Since then there have been mixed signals from various Bank of England officials about whether they are actually on the horizon. eGt世界播

自那以后,对于他们是否真的出现在地平线上,多位英国央行官员发出了褒贬不一的信号。eGt世界播


Last month Mr Bailey played down the prospect of them being introduced, saying just because negative interest rates were now part of its 'tool kit' it did not mean they would be introduced. eGt世界播

上个月,贝利淡化了引入负利率的可能性,他表示,仅仅因为负利率现在是其“工具包”的一部分,并不意味着它们将被引入。eGt世界播


But he also warned last week that the recovery is stalling and that the Bank stands ready to do more if needed - having already pumped 300billion into the economy through quantitative easing. eGt世界播

但他上周也警告说,复苏正在停滞不前,如果需要,世行随时准备采取更多措施-已经通过量化宽松向经济注入了3000亿GB。eGt世界播


What are the Bank of England's concerns? eGt世界播

英国央行的担忧是什么?eGt世界播


The Bank of England is worried that banks' IT systems - which have been prone to problems in recent years - would be unable to cope with negative interest rates as they are not set up to deal with them. eGt世界播

英国央行担心,银行的IT系统--近年来容易出现问题--将无法应对负利率,因为它们的设置并不能应对负利率。eGt世界播


It is also concerned that sub-zero rates would squeeze banks' profits at a time when they are already braced for billions of pounds in losses from bad loans due to the Covid-19 pandemic. eGt世界播

它还担心,在银行已经准备好因新冠肺炎疫情而遭受数十亿英镑的不良贷款损失之际,负利率将挤压银行的利润。eGt世界播


What happens next? eGt世界播

接下来会发生什么?eGt世界播


Banks and financial institutions have been asked to respond with answers on costs, technology requirements and details of potential consequences by November 12. eGt世界播

银行和金融机构已被要求在11月12日之前就成本、技术要求和潜在后果的细节做出回应。eGt世界播

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