Negative rates, which mean deposits decline over time rather than increase, “would be bad for all savers,” said Juergen Dengel, a 40-year-old civil servant from Bonn. If negative rates were introduced at his bank, he would consider withdrawing his money and using it to build a home -- even if that meant going into debt.
“This is a total political football,” said Klaus Fleischer, a professor specializing in finance at the Munich University of Applied Sciences. “People love to hear someone standing up for them when their savings melt away.”
稻客社区团购系统开发介绍：
一、不光是风口，也是经过证实的成功模式。
社区团购，简单来说就是以社区社群为单位，平台在社区内发展团长，团长发展会员和收集订单，然后平台根据订单安排配货，配送到团长处，让消费者自提，这样的一种模式。
社区团购赋能实体门店，主要是将原本的社区存量客户发展为平台会员，再通过小程序线上裂变，拓宽销路，提升销量。这个模式，已经证明了是可行的，而且操作性非常高。
另外，稻客社区团购小程序系统，可以实现收银系统的会员数据与线上小程序会员数据对接，全面盘活线下门店，带来流量，甚至实现反向选址引导。
二、让社区团购模式优势最大化：
1、团长系统：
团长是平台打开社区市场的根基。如果不能解决团长问题，客户也不会轻易选择社区团购系统。在这方面，我们的社区团购系统采取佣金制，保证团长的收益。其次系统配套了团长专用小程序，让团长轻松地进行会员和订单的管理，及时地提供服务，减轻了团长的工作量，让团长能专注于吸引新客户和促成订单。
2、商城与会员系统：
所有的线上电商，最重要的当然还是直接与消费者交互的的商城系统。我们的社区团购商城小程序，提供秒杀、拼团、推荐小商品、限时限量等多种营销玩法，全面带动会员消费。
在会员系统方面，稻客社区团购直接对接微信公众号的卡卷功能，小程序的会员卡可以放入微信卡包，也可以从微信卡包中点击跳转的社区团购小程序。
同时小程序还采取分享积分和分销佣金制度，让会员踊跃拉新，赚取积分和佣金，达到以客推客的效果，为平台创造更多客源，保持高度活跃。
Not everyone’s in favor of outlawing deposit charges, though. “A ban on negative rates might be attractive for savers, but then we have to also think of how we’d support unprofitable but systemically-relevant banks,” said Ingrid Arndt-Brauer, a lawmaker for the Social Democratic Party, Angela Merkel’s junior coalition partner.
The ECB itself is considering ways to relieve the burden of negative rates on banks.
Negative rates are a double whammy for lenders. Euro-area banks pay more than 7 billion euros a year to deposit funds overnight with their central bank, while at the same time their income from lending is eroded. That has helped push the share prices of many European lenders to record lows and has left Germany’s Deutsche Bank and Commerzbank AG reeling from falling revenue and shrinking profitability.