丹尼理财投资记事本

A B C D E F G H I J K L M N O Overnight Policy Rate (OPR) / 隔夜政策利率 OPR is the interest rate/profit rate at which a bank/financial institution lends to/receives from investment with another bank/financial institution. It only existed and used among bank/financial institution. OPR directly affect Base Rate (BR) and Base Lending Rate (BLR), where a cut of 25 basis point of OPR (0.25%) will indicate a cut of 25 basis point of flexible rate financing loan as well.  OPR cut will also directly affect fixed deposit (FD) as FD rate paid by bank is a financial cost, which bank/financial institution "borrow" fund from depositor and lend to consumer, to finance their needs. Bank/financial institution hence profit from the difference of the borrowing cost and interest earned as a "margin". 隔夜政策利率是银行/金融机构之间利用手头上充裕的资金借出给另一家银行/金融机构的短期贷款利率（隔夜计算），且只在各银行/金融机构之间互相流通。 隔夜政策利率调整将直接影响基准率（BR）和基本贷款利率（BLR），25个基点（0.25%）的调降意味着相同的浮动贷款利率调降。 隔夜政...