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提高利率会带来更多银行储蓄吗?

一般来说,银行的基准利率由央行控制。储蓄利率的提高意味着: 银行需要支付更多钱给储户,因此银行开展储蓄业务的成本升高。银行因此会提高贷款利率以平衡储蓄业务升高的成本。企业贷款成本增加,贷款活动受到抑制,投资将会减少。 对普通储户而言,利率的提高看起来会增加储蓄的吸引力: 储蓄业务的回报增加,其他投资业务的实际价值相对降低。储蓄意愿增加,会有更多人愿意把钱存在银行,相对的,用于消费的钱就会减少。 然而,储蓄利率的提高真的会增加银行储蓄量吗? 预算约束线:对消费者可以承受的消费组合的限制...

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