{{위키데이터 속성 추적}}
'''마이너스 금리 정책'''은 상업 은행들이 [[초과 준비금]]을 보유하는데 비용을 들여서 민간 부문에 더 쉽게 대출할 수 있도록 함으로써 대출 장려를 위해 중앙 은행이 부여하는 [[통화 정책]]이다.<ref>{{웹 인용|title=Negative interest rates in Europe: A Glance at Their Causes and Implications|url=http://www.worldbank.org/content/dam/Worldbank/GEP/GEP2015b/Global-Economic-Prospects-June-2015-Negative-interest-rates.pdf.|website=[[세계은행]]|publisher=worldbank.org|accessdate=5 February 2016|date=June 2015}}</ref> 이러한 정책은 보통 매우 저조한 [[경제성장]], [[디플레이션]], [[디레버리징]]과 연관된다.<ref>{{웹 인용|last1=Roubini|first1=Nouriel|title=Troubled Global Economy|url=http://time.com/4180698/nouriel-roubini-global-economy/|website=[[Time Magazine]]|publisher=time.com|accessdate=5 February 2016|date=January 14, 2016}}</ref><ref>{{웹 인용|last1=Dent Jr.|first1=Harry|title=Negative Interest Rates Are the Next Stage in Global Stimulus|url=http://economyandmarkets.com/economy/central-banks/negative-interest-rates-are-the-next-stage-in-global-stimulus/|website=Economy & Markets|publisher=economyandmarkets.com|accessdate=9 February 2016|date=February 5, 2016|archive-date=2016-02-09|archive-url=https://web.archive.org/web/20160209144828/http://economyandmarkets.com/economy/central-banks/negative-interest-rates-are-the-next-stage-in-global-stimulus/|url-status=dead}}</ref>

경제침체 기간 중에 중앙은행들은 성장을 촉진시키기 위해 이율을 낮추는 경우가 있다.

== 예 ==
=== 유럽 ===
[[유럽중앙은행]]과 기타 유럽 국가들(스웨덴, 스위스, 덴마크 등)의 중앙은행들은 확대 재정 정책의 하나로서 마이너스 금리를 적용했다.<ref>{{뉴스 인용|url= http://www.ft.com/cms/s/0/5d3f0692-9334-11de-b146-00144feabdc0.html |title=Bankers watch as Sweden goes negative |first1=Andrew |last1=Ward |first2=David |last2=Oakley |work=[[Financial Times]] |location =London |date=27 August 2009}}</ref><ref>{{저널 인용|last=Goodhart|first=C.A.E.|title=The Potential Instruments of Monetary Policy|date=January 2013|series=Financial Markets Group Paper|issue=Special Paper 219|url=http://www2.lse.ac.uk/fmg/workingPapers/specialPapers/PDF/SP219.pdf|accessdate=13 April 2013|at=9-10|publisher=London School of Economics|issn=1359-9151}}</ref><ref>{{저널 인용|last=Blinder|first=Alan S.|title=Revisiting Monetary Policy in a Low-Inflation and Low-Utilization Environment|journal=Journal of Money, Credit and Banking|date=February 2012|volume=44|issue=Supplement s1|pages=141–146|doi=10.1111/j.1538-4616.2011.00481.x|url=http://onlinelibrary.wiley.com/doi/10.1111/j.1538-4616.2011.00481.x/abstract|accessdate=13 April 2013}}</ref><ref>{{웹 인용|last=Thoma|first=Mark|title=Would Lowering the Interest Rate on Excess Reserves Stimulate the Economy?|url=http://economistsview.typepad.com/economistsview/2012/08/would-lowering-the-interest-rate-on-excess-reserves-stimulate-the-economy.html|work=Economist's View|accessdate=13 April 2013|date=August 27, 2012}}</ref><ref>{{웹 인용|last=Parameswaran|first=Ashwin|title=On The Folly of Inflation Targeting In A World Of Interest Bearing Money|url=http://www.macroresilience.com/2013/01/07/on-the-folly-of-inflation-targeting-in-a-world-of-interest-bearing-money/|work=Macroeconomic Resilience|accessdate=13 April 2013}}</ref>
=== 일본 ===
2016년 1월, [[일본은행]]은 다른 유럽 중앙은행들을 따라 제로(0) 이하로 금리를 낮추었다.<ref>{{웹 인용|last1=Mayger|first1=James|title=Bank of Japan's Negative Interest Rate Decision Explained|url=https://www.bloomberg.com/news/articles/2016-01-29/bank-of-japan-s-negative-interest-rate-decision-explained|website=[[Bloomberg L.P.|Bloomberg]]|publisher=bloomberg.com|accessdate=5 February 2016|date=January 29, 2016}}</ref>

== 같이 보기 ==
* [[제로 금리 정책]]

== 각주 ==
{{각주}}

== 외부 링크 ==
* {{뉴스 인용|title=Japan adopts negative interest rates in surprise move|url=http://www.bbc.com/news/business-35436187|accessdate=29 January 2016|agency=BBC|date=29 January 2016}}

{{토막글|금융}}

[[분류:금융 정책]]
[[분류:조세와 재분배]]