The central bank and other three departments raised the deposit rate of deposit fund on the one-year-www.ggg138.com

The central bank and other three departments raised provident fund deposit interest rate benchmark one-year deposit the central bank and other three departments raised provident fund deposit interest rate benchmark one-year deposit reporter Yang Zhijin reported in Beijing in February 17th, the central bank, the Ministry of housing and the Ministry of Finance issued a notice, decided since February 21st will be the employee housing provident fund account deposit interest rate adjusted according to a unified standard deposit rates. Previously, employee housing provident fund deposit accounts in accordance with the collection time between interest rates, in particular, the collection and carried over from the previous year respectively according to demand deposits and three months deposit benchmark interest rate. After the adjustment, the provident fund deposit account interest rate will be increased to 1.50%. Ministry of housing and other three departments issued the "national housing provident fund 2014 annual report", units and employees per month respectively according to the average wage of workers not less than the previous year 5% housing provident fund deposit, the maximum deposit proportion principle of not more than 12%. Housing provident fund paid by individuals and employees belongs to individual employees. Interest income, housing provident fund management center according to the regulations of the people’s bank interest rate to pay to workers paid interest. "This interest rate increase, equivalent to the staff provident fund account interest income increased."." Zhejiang Province, a county housing provident fund management center responsible person said to the twenty-first Century Economic Herald reporter, "the employees provident fund account will be automatically JieXi every year in July and December." Data show that in 2014 the housing provident fund paid the number of employees was 118 million 773 thousand and 900, an increase of 9.19% over the previous year. At the end of 2014, the deposit balance after deduction was 3 trillion and 704 billion 683 million yuan, an increase of 16.97% compared with the previous year. China bank researcher at the International Institute of finance Gao Yuwei said that if at the end of 2015, the number of paid workers housing provident fund and provident fund deposit balances in accordance with the previous year growth, spreads according to 0.4% meter, the rough estimates of employee housing provident fund deposit account will increase the interest income of about 17 billion yuan, the average income per worker paid about 130 yuan. "This is only counting the last year, and if you add it this year, the income will be even higher." Gao Yuwei told reporters on the twenty-first Century business herald. The central bank official said, a move to protect the workers housing provident fund deposit obtained reasonable deposit receipts, but also conducive to the degenerate housing provident fund deposit interest rates, in line with the overall direction of the interest rate marketization reform. The central bank responsible person also said that this adjustment is the redistribution between income and paid workers housing provident fund deposit receipts, will push up the overall level of interest rates. Consulting with the policy research director Zhang Hongwei said the move is interpreted, can stimulate the buyers to make full use of the fund, the central bank or to stock moves in. "Provident fund deposit rate according to the benchmark, in fact, is to enhance the buyers deposit rates, plus before due to lower cut interest rates led to the provident fund loan rate, which means that the provident fund loan deposit spreads further reduced, for buyers in terms of repayment pressure can further reduce." Central Plains real estate chief analyst Zhang Dawei analysis, the policy theory

央行等三部门上调公积金存款利率 对标一年期定存   央行等三部门上调公积金存款利率 对标一年期定存   本报记者杨志锦北京报道   2月17日,央行、住建部和财政部印发通知,决定自2月21日起将职工住房公积金账户存款利率统一调整为按一年期定期存款基准利率执行。   此前,职工住房公积金账户存款按照归集时间区分利率档次,具体而言,当年归集和上年结转的分别按活期存款和三个月定期存款基准利率计息。此次调整后,公积金存款账户利率将提高至1.50%。   住建部等三部门发布《全国住房公积金2014年年度报告》介绍,单位和职工每月应分别按不低于职工上一年度月平均工资的5%缴存住房公积金,最高缴存比例原则上不高于12%。单位和职工个人缴存的住房公积金均属于职工个人所有。利息收益上,住房公积金管理中心按人民银行规定利率向缴存职工计付利息。   “这次利率调高,相当于职工公积金账户利息收入提高了。”浙江省一区县公积金住房管理中心负责人向21世纪经济报道记者表示,“职工公积金账户在每年7月和12月会自动结息。”   数据显示,2014年住房公积金实缴职工人数为11877.39万人,比上年增长9.19%。2014年末,公积金扣除提取后的缴存余额为37046.83亿元,相比上年增长16.97%。   中国银行国际金融研究所研究员高玉伟表示,如果2015年末住房公积金实缴职工人数和公积金缴存余额按照上一年增速计,利差按照0.4%计,粗略测算全国职工住房公积金存款账户将增加利息收入约170亿元,平均每名缴存职工增收约130元。   “这是只计算了上年结转的部分,如果加上今年归集的,收益还要更高些。” 高玉伟对21世纪经济报道记者表示。   央行相关负责人表示,此举利于保障住房公积金缴存职工获得合理存款收益,也有利于简并住房公积金存款利率档次,符合利率市场化改革的总体方向。   央行负责人还表示,此次调整是住房公积金收益和缴存职工存款收益之间的再分配,不会推升整体利率水平。   同策咨询研究部总监张宏伟则解读称,此举可以刺激购房者更加充分利用公积金,央行还是在出招去库存。“公积金存款利率按基准,其实是提升购房者存款利率,再加上之前由于降息导致的公积金贷款利率的降低,这意味着公积金贷款的存贷利差进一步减少,对于购房者来讲,还款压力可以进一步减轻。”   中原地产首席分析师张大伟分析认为,此次政策目的是减少公积金非购房提取,吸引公积金缴存职工减少提取率。但从这一利率变化看,影响非常小。   张大伟解释称,1.5%的收益依然低于CPI通货膨胀率,所以对于低收入人群来说,公积金相当于是在贬值。非常低的收益率也就导致很多人想了很多办法提取公积金。   易居研究院智库中心研究总监严跃进表示,2014-2015年国家重点是对公积金使用层面进行改革,2016年则兼顾公积金缴纳层面的内容。此次政策允许按照一年定期存款利率进行计算,相当于政府鼓励工薪阶层积极缴纳公积金,并给予等同于理财性质的收益保障。   目前,住房公积金提取比例较高。前述报告数据显示,2014年全年住房公积金提取额7581.96亿元,占全年缴存额的58.52%,相比上年增长13.99%。其中,住房消费类提取和非住房消费类提取的比例为3:1。   和社保基金一样,公积金也涉及到保值增值的问题。数万亿公积金的投资渠道只有三个个投资渠道:存入银行、贷款收益和购买国债。   前述报告指出,2014年公积金委托存款利息收入404.96亿元,委托贷款利息收入1081.92亿元,国债利息收入6.08亿元。扣除业务支出的差额,公积金全年增值收益为677.02亿元。   “投资渠道狭窄,保值增值困难,‘肥’了政府和银行,而苦了哪些只存不用的公积金缴存者。”南京大学社会工作与社会政策系主任陈友华曾撰文称。 进入【新浪财经股吧】讨论相关的主题文章: