2015银行存款利率为什么这么低

中文版：

2015年银行存款利率之所以较低，背后的原因主要可以从宏观经济政策、金融市场环境以及银行自身经营策略等几个方面来解释。

首先，从宏观经济政策来看，当时国家为了应对经济下行压力和刺激经济增长，采取了宽松的货币政策，大量资金涌入市场，导致银行存款相对过剩。为了引导资金流向实体经济，银行不得不降低存款利率，以减轻企业融资成本。

其次，金融市场环境的变化也影响了银行存款利率。随着互联网金融的快速发展，传统银行的存款业务受到了冲击。为了与互联网金融竞争，银行需要降低存款利率以吸引客户。同时，国家加强了对金融市场的监管，规范了存款利率水平，以防范金融风险。

最后，银行自身经营策略的调整也是导致存款利率下降的原因之一。为了应对激烈的市场竞争，银行需要优化资产负债结构，提高资金使用效率。降低存款利率可以降低银行的负债成本，增强银行的盈利能力。

英文版：

The reason why bank deposit interest rates were so low in 2015 can be mainly explained from several aspects, including macroeconomic policies, financial market environment, and banks' own business strategies.

Firstly, from the perspective of macroeconomic policies, the country adopted a loose monetary policy at that time to cope with economic downward pressure and stimulate economic growth. A large influx of funds into the market led to a relative surplus of bank deposits. To guide the flow of funds towards the real economy, banks had to lower their deposit interest rates to reduce the financing costs for enterprises.

Secondly, changes in the financial market environment also affected bank deposit interest rates. With the rapid development of Internet finance, traditional banks' deposit business was challenged. To compete with Internet finance, banks needed to lower their deposit interest rates to attract customers. At the same time, the government strengthened supervision over the financial market and regulated deposit interest rates to prevent financial risks.

Finally, the adjustment of banks' own business strategies was also one of the reasons for the decrease in deposit interest rates. To cope with fierce market competition, banks needed to optimize their asset-liability structure and improve the efficiency of fund use. Lowering deposit interest rates could reduce the cost of bank liabilities and enhance their profitability.

中文版：

2016年，选择办理哪种银行卡，需要综合考虑多个因素。首先，银行卡的功能和服务是选择的重要标准。一些银行提供的卡种具有多种便捷功能，如在线支付、手机银行等，这些功能能够满足日常生活中的各种需求。其次，银行的信誉和服务质量也是不可忽视的因素。选择一个有良好信誉和服务口碑的银行，可以确保在遇到问题时能够得到及时有效的解决。此外，银行卡的费用也是需要考虑的因素，包括年费、跨行取款手续费等，不同银行的收费标准可能有所不同。最后，根据个人需求和预算，选择适合自己的银行卡，可以更好地满足日常金融需求。

英文版：

When choosing which bank card to apply for in 2016, multiple factors need to be considered comprehensively. Firstly, the functions and services of the bank card are crucial criteria for selection. Some banks offer card types with various convenient features such as online payments, mobile banking, which can meet various daily needs. Secondly, the reputation and service quality of the bank are also non-negligible factors. Choosing a bank with good reputation and service reviews can ensure timely and effective solutions when problems arise. In addition, the fees associated with the bank card, including annual fees, cross-bank withdrawal charges, etc., may vary among different banks. Finally, selecting a bank card that suits one's own needs and budget can better meet daily financial requirements.