{"id":107702,"date":"2021-02-22T22:08:49","date_gmt":"2021-02-22T22:08:49","guid":{"rendered":"https:\/\/fin2me.com\/?p=107702"},"modified":"2021-02-22T22:08:49","modified_gmt":"2021-02-22T22:08:49","slug":"boes-vlieghe-doubts-he-will-ever-see-rates-back-at-5","status":"publish","type":"post","link":"https:\/\/fin2me.com\/markets\/boes-vlieghe-doubts-he-will-ever-see-rates-back-at-5\/","title":{"rendered":"BoE's Vlieghe doubts he will ever see rates back at 5%"},"content":{"rendered":"
LONDON (Reuters) – Bank of England policymaker Gertjan Vlieghe said on Monday that he did not expect British interest rates to return to levels common before the 2008 financial crisis during his lifetime, due partly to the effect of an ageing population.<\/p> Vlieghe, 49, said longer life expectancies and more time spent in retirement had boosted demand for safe retirement assets, pushing down long-run interest rates across developed economies including Britain.<\/p>\n Asked by students at Durham University when interest rates might return to the level of 4% to 5% common before the financial crisis, Vlieghe replied: \u201cMaybe not in my lifetime.\u201d<\/p>\n \u201cActually if you look at very long run data on interest rates, it\u2019s the 1970s and 1980s that were unusual decades. Interest rates were unusually high then,\u201d he added.<\/p>\n Bank of England officials have talked before of the long-run downward pressure on interest rates, but rarely look as far forward into the future as Vlieghe did.<\/p>\n The yields on 30-year British government bonds – a rough proxy for financial markets\u2019 expectation of average interest rates – are just over 1%.<\/p>\n \u201cI think one of the really big drivers of that is demographics,\u201d he said. \u201cIt doesn\u2019t mean that interest rates don\u2019t go up from current levels. It just means that when they go up, they don\u2019t go back to 4 or 5%.<\/p>\n The BoE\u2019s main interest rate is 0.1%, compared with 5.75% on the eve of the 2007-08 financial crisis.<\/p>\n In the nearer term, Vlieghe said the BoE should cut interest rates below zero later this year if there was persistent slack in the labour market, delivering remarks which the BoE first published in written format on Friday.<\/p>\n Speaking afterwards, Vlieghe said he did not think Britain\u2019s banks differed enough from those in parts of Europe where rates are below zero to stop encouraging lessons being drawn.<\/p>\n Some opponents of negative interest rates say British banks rely much more heavily on customer deposits than their European counterparts, making it less likely that they would be able to cut interest rates for borrowers.<\/p>\n Vlieghe said he did not think the difference was large, and that there would be a countervailing effect from the greater role exchange rates and asset prices play in Britain, referring to a speech by BoE policymaker Silvana Tenreyro.<\/p>\n