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tai chinh tien te

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Cau 24:y nghia va cac nhan to anh huong den lai suat

1 kn lai suat: theo cacmac lai suat la mot phan cua gia tri thang du ma nha tu ban san xuat phai tra chon ha tu ban tien te( hay bi nha tu ban tien te boc lot)

> lai suat la chi phi co hoi nam giu tien mat

theo wb:la suat la ti le cua tien lai tren von

theo cach chung nhat lai suat la gia ca cua tin dung la chi phi phi ve viec su dung von va cac dinh vu tai chinh khac( thue, mua tai san)

2: vai tro cua lai suat:

 doi voi vix mo:

- lai suat la cong cu dieu tiet nen kinh te vi mo rat hieu qua cua nha nuoc thong qua viec thay doi muc va co cau lai suat

- trong nen kinh te mo, chinh sach lai suat con duoc su dung nhu 1 cong cu gop phan dieu tiet luong von di chuyen cua mot dat nuoc.voi nen kinh te the goi, tac dong den ty gia va su on dinh cua ty gia. Tu do tac dong den can can thuong mai va can can quoc te

 doi voi vi mo:

- lai suat la co so de ca nhan va cac doanh nghiep dua ra cac quyet dinh kinh te

• lai suat cao: gui ngan hang

• lao suat thap: rut tien ngan hang, dau tu tien , chung khoan

> la suat la dieu kien ton tai va phat trien cua ngan hang, lai suat luon la mot co so quan trong cho quyet dinh doi voi hoat dong cho vay va div ay

- la don bay kinh te cung co va tang cuong hach toan kinh te va hieu qua cua san xuat kinh doanh, dieu tiet tang truong thong qua dieu tiet tong dau tu

- thu hut ngoai te va dau tu nuoc ngoai

- phat trien thi truong tai chinh vat hi truong chung khoan

3. y nghia cua lai suat :

- ls tin dung la cong cu dieu chinh kte vix mo cua NN

- ....vi mo, doanh nghiep dung lam co so , don bay cho hoat dong cua doanh nghiep

- la yeu to khuyen khich tiet kiem va dau tu

- la yeu to khuyen khich canh tranh giua cac nhtm

- la don bay kte de tang cuong , cung co hoach toan kdoanh cua doanh nghiep

- la cong cu yeu to tac dong thu hut nguon dau tu nuoc ngoai

- la co so de phat trien thi truong tai chinh va ttCK

- 4: cac nhan to anh huong den lai suat

A: cug cau cua quy cho vay

- Lai suat la gia ca cua viec vay tien, do vay bat cu su thay doi nao cua cung hoac cau hoac ca cung va cau quy cho vay deu lam cho lai suat thay doi

- Da so cac nuoc co nen kinh te thi truong deu xay dung lai suat theo quy luat cung cau

Co the thay doi lai suat bang cach tac dong vao cung cau tren thi truong von de phuc phu cho cac muc tieu kinh te trong tung thoi ki

B: lam phat ki vong

Lai suat thuc bag lai suat danh nghia tru ti le lam phat

Khi ti le lam phat tang, de duy tri lai suat thuc ko doi thi lai suat danh nghia phai tang vi vay, khi lam phat co xu huong tang thi lai suat co xu huong tang

Mat khac, khi lam phat dc du doan se tang , ca nhan hoac doanh nghiep se co xu huong du tru tien hang hoa hoac nhieu dang tai san phi tai chinh khac hoac dau tu von ra nuoc ngoai.dan toi cung von giam, lai suat tag len

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