Lisa: My View over Interest Rate Hikes

本文为Lisa Jiang对这次升息所谈体会,此处独家发表。

Impact on the market

It's a quick response for the long-time rumor. Therefore, the psychological effect is larger than it's actual impact.

Impact on different industries

The most beneficiaries from interest rate rearrange is banking, it leaves larger room for competition.

It seems that policy alleviates properties and auto finances. That is absolutely true, while I suppose it helps to rearrange the interest rate structure and adjust the economy as a whole. And the impact on properties or auto are limited and would be in a short term. Since there are other effects that strongly, if not to larger extent, influence the above industries. Landing policies and the overall financial environment play a serious rule on properties, and the competitors overseas brings about unprecedented pressure over the market.

To the fund companies like the one I am in, it's tougher for us since the investors would invest in the increasing treasuries instead of our Money Market products for the sake of higher safety. More seriously, we would encounter a larger redemption for the same reason.

Forwarding

Moreover, the interest rate hikes provides the government attitude towards 'soft-landing'. Three approaches of monetary policies : open market purchase, reserve rate inter banks and interest rate. PBOC stick to the former two approaches for over nine years, however, the most effective one would the latter, with an adjustment over construction, like this time. Hence, considering the interest rate increases in the U.S., we would expect a ' growing interest rate session' over the following year,

In conclusion I'm afraid to say that your mortgage may burden you further.

Comments on “Lisa: My View over Interest Rate Hikes

  1. fangyuan October 29, 2004 05:04 PM

    mvm兄有何见解,很想听听。

  2. mvm October 29, 2004 05:07 PM

    我对钱,一窍不通

    我从来不去考虑信用卡怎么用可以减小利息支出

    我也不去考虑怎么购汇才能不在汇率上吃亏

    我在香港的时候以0.88的汇率兑换过1000人民币(官价0.93多)

    对于钱,我是文盲。呼呼

  3. fangyuan October 29, 2004 05:26 PM

    呵呵。

    对了,mvm,sharpRader这个工具好像blog的评论无法正常抓取到,你有这个问题吗?

    搞得的我现在看评论又是要用web的方式来看。

  4. mvm October 29, 2004 05:42 PM

    我也抓不到评论

    懒得挣扎了,反正我网速很快

  5. Goden October 30, 2004 01:43 AM

    我家买房子的贷款又要多交钱了。55

  6. Lisa October 30, 2004 02:28 AM

    想到the rain man 对数字极为敏感,一加USD就不会算了
    那个叫钱盲 呵呵

  7. lucy November 24, 2005 04:58 PM

    on-敏感
    off-白痴

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