隔夜利率（Overnight Rate）就是一家金融机构利用手头上充裕的资金借出给另一家金融机构的短期贷款利率（通常是隔夜计算），而这种利率只在各金融机构里互相流通。
然而OPR的调整会直接对BLR/BFR造成影响，这样对很多商业贷款会有直接的冲击！就是贷款者将要付的利息就会降低，但是会直接造成银行的利息收入变少，冲击金融领域~
如果往好方面想，会有更多人会考虑借贷发展生意，银行的生意也会增加，从而促进整个国家的经济发展哦
以下是说明OPR是如何影响BLR的关系
Effects of OPR on BLR/BFR
OPR changes will directly influence BLR/BFR revisions
A rise in OPR means the bank will increase the BLR/BFR – resulting in a higher effective
interest rate/effective profit rate which will increase the loan/financing repayment/payment for
products tagged to BLR/BFR
Example: Assuming that BLR/BFR is at 6.60%, a 0.25% hike in OPR will increase BLR/BFR
from 6.60% to 6.85% and a 0.50% hike in OPR will increase BLR/BFR from 6.60% to 7.10%
A drop in OPR means the bank will decrease the BLR/BFR – resulting in a lower effective
interest rate/effective profit rate which will decrease the loan/financing repayment/payment for
products tagged to BLR/BFR
Example: If there is a 0.25% drop in OPR, BLR/BFR will reduce from 6.60% to 6.35% and a
0.50% drop in OPR will reduce BLR/BFR from 6.60% to 6.10%
蓝鱼的投资Profile 为什么要投资 - http://whymustinvest.blogspot.com/
