What is the three-year deposit lebanon telegram data rate? This is the average of the annual deposit rates for each of these three years. Banks assume that, if not today, not tomorrow, then at some point in the future, inflation will be 4%. And this shifts the rates of long-term deposits lower compared to the current level of the key rate.
This is also evident in bond yields
– now yields for longer terms are lower than for short ones. Financiers and economists call this phenomenon “yield curve inversion”. It is observed during a period of tight monetary policy. When the monetary policy is neutral, and especially soft, then rates for longer terms, on the contrary, will be higher than for short ones.
Debt to banks is growing every year. At the same time, the share of those who have more than three loans is increasing. Why is this happening? And what can be done about it? Komsomolskaya Pravda spoke about this with Elizaveta Danilova, Director of the Financial Stability Department and member of the Board of Directors of the Central Bank.
— We used to be proud of the fact that, unlike the US, we have low debt levels among our population. Many people still prefer to live on their own. Is that still the case?
Overall, the debt burden of Russians looks acceptable
But it depends on how you count. If we relate the total debt to the income of the entire population (including salaries, pensions, benefits and other income), it turns out that Russians spend only 11% of it on loan payments. Agree, it’s not much. But this is an average figure. In total, banks and microfinance organizations have 50 million revolutionary customer service: 6 technologies that will make all the difference borrowers — almost 60% of the working population of the Russian Federation. And the main group that we always keep in mind is people who have three or alb directory more loans at the same time. They can be classified as active users of loans. And here we can talk about a high risk of over-indebtedness. Especially since the share of such borrowers is growing. They account for half of the total debt