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Debt crisis in Europe breaks out for three years and implicate a world economic whole emergence tired Tai, in order to stimulate an economy growth, central banks in all countries widespreadly loosenned monetary policy, but Europe and America etc. flourishing economy from financial crisis continuously insist super low interest rate(name zero interest rates physically take interest rate), didn't save economy in the world at the calamity, on the contrary eroded the profits that the bank, insurance company and agency protects organizations like fund,etc, even indirectly hurt a real economy benefits, distorted an international financial market basic value mindset. The financial realm risk enlarges The British financial service administration(FSA) releases a report to mean on the 26th, the super low interest rate is forcing Ray ban new releases some insurance company changes the value assertion before now, to fix the investment of income property changed direction gradually alternative Gao risk product. The data suggests that in the insurance contract that is placed in to carry out a period currently in England, many is 20th century 89 to sign.The name repay of the insurance contract rate was mostly 7%-8% at that time.At that moment low income financial environment, the insurance company was placed to hard fulfill contract of embarrassed territory ground, the insurance company business model faces a huge challenge.Some small scaled insurance companies are forced to compress property scale or directly close some business, but those large insurance companies with real strenght, at reduce to fix the income product property allocation of at the same time, enlarge to private collect an ownership of a share and newly arisen market of bond even the allocations quotas of Gao income properties like stock fund,etc.The portfolio of this kind of"abnormal rules", will result in to British insurance industry health development huge latent risk, may cause an insurance industry new financial crisis very much. Initiate Denmark of taking the interest rate in EU member's country in addition, the negative effect of its local banking has been already presented.Denmark banking association data suggest, implementation negative interest rate policy over three months, up to the beginning of October, Denmark commercial bank luck camp cost additionally increment over 300,000,000 grams of Langs, have already brought impact to business enterprise profits.Take the negative effect that the interest rate results in to the banking for decrease, central bank in Denmark carried out a local financing institution in the central bank usually cheap ray-ban sunglasses under the account"limit funds performance in the limit deposit zero interest rate standard, " combine in raised to°from 23,000,000,000 grams of first Langs this limit in the near future 70,000,000,000 grams of Langs.But data suggests, banking in Denmark at the savings scale of central bank over 200,000,000,000 grams of Langs, zero interest rate limits of 70,000,000,000 grams of Langs, in the central bank savings that overalies commercial bank seldom one part of funds, over the financing institution savings of above 60%, still need to pay 0.2%"saving fee" to the central bank.In order to make up loss, some commercial banks carry on a benefit bad arbitrage operation in the business enterprise savings of different category;Have some bank to pass to raise a business enterprise loan threshold and raise with the means improvising lending rate to increase bank profits.The bank cost increment has already started eroding a real economy benefits, the surface has a liking for to go "very" relaxed monetary policy and actually causes the bank letter loan's tightenning.
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