外匯投資人民幣匯率大貶,換台幣利率 Interest rate 降息,中國人民銀行,台灣兆豐銀行首先調降 (定存,利率,走勢,換美金,存款,工具,商品,轉存款利率,同業拆款利率,優惠定存利率) @ 偉恩史達克-生活趨勢觀察家

外匯投資人民幣匯率大貶,換台幣利率 Interest rate 降息,中國人民銀行,台灣兆豐銀行首先調降 (定存,利率,走勢,換美金,存款,工具,商品,轉存款利率,同業拆款利率,優惠定存利率)

中國人民銀行發布降息一碼的新聞後，台灣人民幣兌換台幣的匯率馬上就有了調整的消息出現。

[外匯]投資人民幣匯率大貶,換台幣,利率(Interest rate)降息1碼:中國人民銀行,台灣兆豐銀行首先調降(定存,利率,走勢,換台幣,換美金,存款,工具,商品,轉存款利率,同業拆款利率,優惠定存利率)

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中國人民銀行宣布人民幣大貶三利率齊降 (引自 2014.11.26 聯合新聞網+簡評)

中國人民銀行(大陸央行)上周六起降息1碼，約0.25%，人民幣即期匯價大貶168個基點至6.1417元；台灣立即連鎖反應，人民幣轉存款利率、同業拆款利率及優惠定存利率幾全數調降，但因短期資金需求仍殷，降幅小於人行宣布的幅度。匯銀龍頭兆豐金控首先調整，人民幣高息存款專案利率降至3%以下。
(不過怎麼調降也比台灣低到靠腰的1.4%左右還好上不少，彭老還不快升息?)

中國銀行台北分行2014.11.24日給國內銀行業的人民幣轉存款利率漲跌互見，1周的人民幣轉存款利率不降反升，從年息2.61%走高到2.7%；1個月、3個月與1年期等主要天期則多數是調降，降幅介於0.1-0.05個百分點之間。中行台北給國內銀行業的轉存款減少，銀行業的轉存款利息收入減少，也同步反映在給客戶的高息優惠專案上。外匯龍頭兆豐銀行昨日就出手調降高利定存專案利率至3%以下，大約落在2.8%、2.9%上下。永豐銀醞釀中的新定存專案，利率恐怕很難維持3%。
(升息除了可以帶來資金之外，還可以提高炒房者借錢的持有成本，進而打擊過高房價)

至於人民幣牌告利率，昨天沒有銀行調降。三商銀與民營行庫表示，會觀察台銀、兆豐銀牌告利率動向，若調降就跟進。民營銀行主管表示，人民幣存款利率會否調整，有兩大觀察指標，一是中行台北給銀行同業的轉存利率，這部分主要天期已有調降；二是台銀、兆豐銀等公股行庫是否調整其牌告利率。國內的人民幣同業拆款利率昨日也同步下修，隔夜拆款利率從上周五的2.1154%跌至2.0833%，下調0.03個百分點，1個月天期同拆利率跌了0.09百分點。
(台幣近期因美國無恥又在玩QE兩面手法，硬是大跌到快31元兌一美金...東西又要漲價囉)

人民幣清算利率方面，市場關心清算息是否跟進下修。中行台北副總沈慶表示，台灣的清算息與上海及新加坡連動，目前並無調整計畫，利率仍維持在1.05%。值得注意的是，中行台北此次調降人民幣轉存款利率中，1個月天期高於3個月，對此，中行台北分行副總沈慶僅表示，利率是反應市場資金供需，但國銀業者則研判，中行台北短天期人民幣轉存款利率偏高，應該是滬港通所造成的資金排擠效應，造成短期資金緊俏。
(人民幣的降息，也代表中國對美國先前的要求有了妥協?一切盡在不言中。除此之外，中國央行降息最大的影響，就是資金會開始從中國流出去投資國際上其他的股市；因為金錢始終會去找最有報酬回饋率的地方XD)

China rate cut fuels Asian equity rally

Singapore

CHINA'S unexpected interest rate cuts, its first in almost two years, provided the fuel for rallies in some Asian stock markets on Monday. But the bounce could be short-lived when the dust clears and investors are reminded the country's fundamentals are largely unchanged. (see infographic)

While Beijing's latest move stoked different interpretations among economists on whether it marked a change of course towards a loose monetary policy, most believe that the rate cut is buying time for China to tackle high funding costs, which could only be completely resolved through reforms.

Yesterday, the benchmark Shanghai Composite Index jumped 1.85 per cent or 46.09 points to 2,532.88 - its highest in three years, while Hong Kong's Hang Seng Index rose 1.95 per cent or 456.02 points to close at 23,893.14.

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Chinese bonds also rallied, sending the 10-year government bond yield down by the most since 2008 to 3.53 per cent in Shanghai before edging back up to 3.63 per cent. The seven-day repurchase rate in the interbank market, a gauge of funding availability, fell 15 basis points to 3.51 per cent, according to a weighted average compiled by the National Interbank Funding Center.

The renminbi came under some pressure on Monday and weakened against the US dollar by 0.3 per cent to 6.1427, prompting most analysts to project more two-way volatility heading into next year.

Aimed at curbing stubbornly high borrowing costs, the People's Bank of China (PBOC) caught the market off-guard when it cut the one-year benchmark lending rates by 40 basis points to 5.6 per cent and lowered the one-year benchmark deposit rates by 25 basis points to 2.75 per cent with effect from Saturday.

Secondly, the central bank accelerated the pace of interest rate reforms by raising the deposit rate ceiling - the maximum range for commercial banks to set their deposit rates - to 20 per cent above benchmark deposit rate, up from the previous 10 per cent.

Some bankers note that the cut in lending rates may ease the financing costs of existing loans, but is unlikely to encourage banks to write new loans to lower-rung borrowers, as China's five largest banks still favour state-owned enterprises and those involved with large projects overseen by the government.

"It is not a sure-win bet that rate cut will bring down the funding costs completely," said OCBC economist Tommy Xie. "Indeed, the rate cut will benefit the existing loans. However, given the falling net interest margins (NIMs), banks may be reluctant to lower the funding costs significantly for new loans."

While some market watchers expect further targeted cuts in interest rates and reserve requirement ratios by Beijing next year; others believe that China has not changed tack.

Paul Gruenwald, Standard & Poor's chief economist, Asia-Pacific, noted that the rate cuts do not signal a renewed government intention to resort to aggressive stimulus to prop up the economy but rather "to smooth the process of economic adjustment by ensuring appropriate funding costs".

Given lagging performance of Chinese stock markets in recent years, Beijing's move has provided "a temporary boost to sentiment", analysts at Bank of America-Merrill Lynch observed.

But with excess manufacturing capacity, the real demand for credit will remain weak while growth and corporate earnings are likely to disappoint - all making a rally unsustainable, they said in a note. "The rate cut will largely send more liquidity into the property market again (as it did in 2012)." Economists flagged that the asymmetric cut on lending and deposit rates is likely to weigh on banks' net interest margin in the near term.

Should funding costs ease as hoped, the improved asset quality and the taming of non-performing loans may be able to offset the negative impact of declining NIM in the medium term, Mr Xie of OCBC said.

Credit Suisse research analyst Dong Tao noted that banks are fighting for deposits with the money market funds, and hence have limited space to lower deposit rates. This means that the direct impact on loan demand and economic growth should be limited as China is still in an early stage of de-leveraging.

If the rate cut turns out to mark the beginning of a rate-cut cycle, it will be a booster to the stock market, particularly shares of property companies. Yesterday, Poly Real Estate soared by its 10 per cent daily limit to 6.47 yuan in Shanghai while Vanke shot up 8.32 per cent to 10.15 yuan in Shenzhen.

But overseas property companies with large exposure to China, such as those in Singapore, are not expected to receive a lift from Beijing's latest rate cuts, unless there is a real improvement in the property market in China, said CIMB research head Kenneth Ng.

Unmoved by the strong leads from China and Europe where the central bank is widely expected to announce some stimulus, the Singapore stock market succumbed to profit-taking on Monday, with the benchmark ST Index down 4.79 points, or 0.14 per cent, to close at 3,340.53.

Deutsche Bank strategist Linan Liu said she expects China to establish a deposit insurance scheme before the end of this year.

"We believe the above measures will pave the way for PBOC to eventually abolish the policy deposit rate curve and policy lending rate curve, which we expect in late 2015. By then, the prime rate curve will develop into a market-based lending rates curve, and the policy deposit rate curve will be replaced with a short-term policy rate target, either the overnight rate or the seven-day rate," she said. "China is likely to complete its interest rate liberalisation reform towards the end of 2016."

*China's rate cut won't have desired effect

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