Japan’s judicial interpretation retail savings do not apply to negative interest rates 湖南食品药品职业学院

Japan issued a judicial interpretation: retail savings do not apply negative interest rates in U.S. stock market center: exclusive national industry sector stocks, premarket after hours, ETF, real-time quotes Sina warrants stocks Beijing time 22 days of Japan’s Financial Law Committee released a report pointed out that, unless there is a clear contract between financial institutions and consumers, or the former negative interest rates in between the deposit and loan transactions is not legitimate. The report was released on Friday, and the background is that many Japanese depositors worry that their interest rates on deposits will become negative since the BoJ announced negative interest rates, because there is a precedent for this. In Switzerland and Sweden, where negative interest rates have been introduced, many retail banks have paid interest on depositors, and even higher savers need to bear higher interest rates. Japan’s central bank governor Kuroda Higashihiko earlier this month also had special position, said personal savings will not encounter the problem of negative interest rates, but still can not completely relieve people’s worries. The Bank of Japan to the negative interest rate policy, for many domestic savers this jittery Committee of experts pointed out that the deposit taking institutions to provide interest to depositors, rather than on the contrary, it has become a common sense. The general default of deposit contracts is that interest can not be provided by depositors. If the institution applies the negative interest rate policy to depositors and charges them interest, the deposit contract can not be reasonably explained. (Zi Jin) editor in chief: Li Wu SF053

日本出台司法解释:零售储蓄不适用负利率 美股行情中心:独家提供全美股行业板块、盘前盘后、ETF、权证实时行情   新浪美股北京时间22日讯 日本金融法律委员会发布报告,指出除非金融机构与消费者之间有明确的合约,不然前者将负利率应用于与后者之间的存款和贷款交易就是不合法的。   这一报告发布于周五,背景是自日本央行宣布采用负利率以来,颇有不少日本储户担心自己的存款利率会变成负数,因为这完全是有先例的。在实行负利率政策的瑞士和瑞典,已经有不少零售银行对储户收取利息了,高额储户甚至还需要负担更高的利率。   日本央行行长黑田东彦本月初也曾经专门表态,称个人储蓄不会遇到负利率的问题,但依然无法完全解除人们的忧虑。 日本央行转向负利率政策,让国内不少储蓄者人心惶惶   这个专家委员会指出,由吸储机构向储户提供利息,而不是相反,这已经成为了一种常识。存款合约的一般性默认前提就是利息不可能由储户提供,如果机构将负利率政策应用于储户,向他们收取利息,则存款合约就无法做出合理解释了。(子衿) 责任编辑:李兀 SF053相关的主题文章: