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116问答网 > 什么叫银行基准利率？什么叫基准金率？和我们存钱时那个利率的区别在哪里？

什么叫银行基准利率？什么叫基准金率？和我们存钱时那个利率的区别在哪里？

2025-04-07 11:44:32

推荐回答（1个）

回答1：

银行基准利率是银行的存贷款基础利率，银行可以再次基础上上浮或下浮。
存款准备金，是限制金融机构信贷扩张和保证客户提取存款和资金清算需要而准备的资金。法定存款准备金率，是金融机构按规定向中央银行缴纳的存款准备金占其存款的总额的比率。

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