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Miyo
- 2016年2月9日
マイナス金利
日本銀行が導入を決めたマイナス金利の影響が広がり この「マイナス金利政策」とは具体的にどのようなものなのでしょうか。 日銀と当座預金取引のある銀行は、自分の銀行が顧客から預かっている預金の一定割合 の現金（所要準備額）を「準備預金」として日銀の当座預金口座に預けることが法律で義務付けられております。 現状では、法律で定められた以上の準備預金（超過準備預金）が預けられている為このお金を市場に流通させるためと思われます(融資に回す) 超過準備預金には年0.1％の利息が付くため、銀行にとっては、低金利で利ザヤが薄く、貸し倒れリスクのある融資を行うよりも、超過準備預金の方が確実に利息を生み出す為大量の資金を日銀当座預金に預けているのです。 今回、日銀が導入を決めたマイナス金利政策とは、 当座預金に預けられる銀行の資金に3段階の金利を設定するもの 現在、日銀の当座預金残高は230兆円の準備預金 このうちの超過準備預金分である約210兆円には、従来通りに0.1％の金利 次に、これから預けられる当座預金のうち、法律で定められた所要準備額については、金利をゼロと
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