加息对个人金融消费的影响  

Influence of Raising Interest Rates to Personal Finance Consumption

作　　者：胡增芳[1] 

机构地区：[1]安徽商贸职业技术学院会计金融系,安徽芜湖241002

出　　处：《重庆邮电大学学报（社会科学版）》2012年第4期110-115,共6页Journal of Chongqing University of Posts and Telecommunications(Social Science Edition)

基　　金：安徽省高校省级人文社会科学研究项目:人民币汇率变动对我省进出口及承接产业选择影响研究(SK2012B191)

摘　　要：传统意义上而言,中央银行的加息行为将会导致银行存款增多,贷款投放量减少,社会投资和消费也减少,市场上的商品逐步出现供过于求,经济会降温。但从微观主体行为来看,加息对个人金融消费的影响是多方面的:居民储蓄、个人贷款、股市投资、理财产品认购等行为都会发生相应的改变,加息并不是简单地对居民储蓄行为、投资或消费类行为产生积极或消极的影响,而是有一定的期限限制。同时,连续加息的举措会不断提升人们的金融消费理念和层次,改变投资和消费观念,促进个体在不同经济形势下保有财富,变换促使资产增值的金融消费策略,因此长期来看,加息对个人金融消费特别是合理消费也有着正面的影响。In the traditional sense, that the central bank raises interest rates will lead to increase of bank deposits, the loans will be reduced, social investment and consumption will be reduced, the commodity in the market will gradually appear excess of supply over demand, and the economy will slow down. But from microcosmic and indi viduai＇s behavior, the influences of raising interest rates for personal finance consumption are varied. Residents savings, personal loans, stock market investment, financial products purchase behavior will be changed according- ly. The influence of raising interest rates on the residents＇ savings behavior, investment or consumption behavior is not a simple positive or negative, but will change according to the different length of time. At the same time, the successive increases in interest rates will constantly improve people＇s consumption concept and the level of fi- nancial consumption, change the concept of investment and consumption, promote the individual to retain wealth in different economic situations, and transform the financial consumption strategy of asset value. In the long term, the influence of raising interest rates to personal finance consumption especially the reasonable consumption is positive.

关 键 词：加息 个人金融消费 影响 

分 类 号：F832.5[经济管理—金融学]