中文版

负利率的优点

负利率，即银行向存款人收取利息，而不是支付利息，这一措施在经济政策中越来越受到关注。那么，负利率究竟有哪些优点呢？

一、刺激消费和投资

负利率能够鼓励人们减少储蓄，增加消费和投资，从而刺激经济活动。在负利率环境下，存款不仅不能带来收益，反而会产生成本，这促使人们重新考虑资金的使用方式，将更多的资金用于消费和投资。

二、促进金融创新和结构调整

负利率环境下，传统银行业务可能受到挑战，金融机构需要寻找新的盈利模式和业务创新。这有助于推动金融市场的多元化和结构调整，提高金融体系的整体效率。

三、降低债务负担

对于借款人来说，负利率意味着他们可以以更低的成本获得资金，从而减轻债务负担。这有助于提升企业的盈利能力和竞争力，促进经济的健康发展。

英文版

Advantages of Negative Interest Rates

Negative interest rates, where banks charge depositors for keeping their money rather than paying them interest, are gaining increasing attention in economic policy. What are the advantages of negative interest rates?

1. Stimulating Consumption and Investment

Negative interest rates encourage people to reduce savings and increase consumption and investment, thus stimulating economic activity. In a negative interest rate environment, deposits not only fail to generate income but also incur costs, prompting individuals to reconsider the use of their funds and allocate more money towards consumption and investment.

2. Promoting Financial Innovation and Structural Adjustment

Under negative interest rates, traditional banking business may be challenged, and financial institutions need to find new profit models and business innovations. This helps drive the diversification of financial markets and structural adjustment, improving the overall efficiency of the financial system.

3. Reducing Debt Burden

For borrowers, negative interest rates mean they can obtain funds at a lower cost, thus reducing their debt burden. This can help improve the profitability and competitiveness of businesses and promote healthy economic growth.