1.shibor越高表明市场资金越紧张，居民更愿意储蓄，不利于投资股票，股指和shibor会呈现一定的负相关性
2.shibor指国内银行间的拆解利率，可简单理解为当前国内的无风险利率。
3.在普通的拆借交易中，大银行基本上不会有违约的风险，而且同业拆借市场资金量大，流动性好，随时都能够有交易，不会出现有价无市的情况。所以（除开国债之外），同业拆借大概是最接近无风险的交易，而拆借的利率也就是最方便的模拟无风险利率的一个指标。有了这个指标，很多金融产品才能够定价，顺利的完成交易。
| 日期 | 月收益率 |
|---|---|
| Fri May 16 00:00:00 CST 2025 | 1.625 |
| Thu May 15 00:00:00 CST 2025 | 1.629 |
| Wed May 14 00:00:00 CST 2025 | 1.639 |
| Tue May 13 00:00:00 CST 2025 | 1.647 |
| Mon May 12 00:00:00 CST 2025 | 1.661 |
| Fri May 09 00:00:00 CST 2025 | 1.684 |
| Thu May 08 00:00:00 CST 2025 | 1.702 |
| Wed May 07 00:00:00 CST 2025 | 1.719 |
| Tue May 06 00:00:00 CST 2025 | 1.732 |
| Wed Apr 30 00:00:00 CST 2025 | 1.743 |
| Tue Apr 29 00:00:00 CST 2025 | 1.745 |
| Mon Apr 28 00:00:00 CST 2025 | 1.747 |
| Sun Apr 27 00:00:00 CST 2025 | 1.748 |
| Fri Apr 25 00:00:00 CST 2025 | 1.747 |
| Thu Apr 24 00:00:00 CST 2025 | 1.747 |
| Wed Apr 23 00:00:00 CST 2025 | 1.749 |
| Tue Apr 22 00:00:00 CST 2025 | 1.754 |
| Mon Apr 21 00:00:00 CST 2025 | 1.758 |
| Fri Apr 18 00:00:00 CST 2025 | 1.763 |
| Thu Apr 17 00:00:00 CST 2025 | 1.766 |
| Wed Apr 16 00:00:00 CST 2025 | 1.772 |
| Tue Apr 15 00:00:00 CST 2025 | 1.776 |
| Mon Apr 14 00:00:00 CST 2025 | 1.782 |
| Fri Apr 11 00:00:00 CST 2025 | 1.787 |
| Thu Apr 10 00:00:00 CST 2025 | 1.795 |
| Wed Apr 09 00:00:00 CST 2025 | 1.804 |
| Tue Apr 08 00:00:00 CST 2025 | 1.811 |
| Mon Apr 07 00:00:00 CST 2025 | 1.819 |
| Thu Apr 03 00:00:00 CST 2025 | 1.865 |
| Wed Apr 02 00:00:00 CST 2025 | 1.905 |
| Tue Apr 01 00:00:00 CST 2025 | 1.916 |
| Mon Mar 31 00:00:00 CST 2025 | 1.928 |
| Fri Mar 28 00:00:00 CST 2025 | 1.939 |
| Thu Mar 27 00:00:00 CST 2025 | 1.945 |
| Wed Mar 26 00:00:00 CST 2025 | 1.951 |
| Tue Mar 25 00:00:00 CST 2025 | 1.955 |
| Mon Mar 24 00:00:00 CST 2025 | 1.966 |
| Fri Mar 21 00:00:00 CST 2025 | 1.971 |
| Thu Mar 20 00:00:00 CST 2025 | 1.971 |
| Wed Mar 19 00:00:00 CST 2025 | 1.974 |
| Tue Mar 18 00:00:00 CST 2025 | 1.967 |
| Mon Mar 17 00:00:00 CST 2025 | 1.965 |
| Fri Mar 14 00:00:00 CST 2025 | 1.963 |
| Thu Mar 13 00:00:00 CST 2025 | 1.961 |
| Wed Mar 12 00:00:00 CST 2025 | 1.954 |
| Tue Mar 11 00:00:00 CST 2025 | 1.948 |
| Mon Mar 10 00:00:00 CST 2025 | 1.937 |
| Fri Mar 07 00:00:00 CST 2025 | 1.916 |
| Thu Mar 06 00:00:00 CST 2025 | 1.91 |
| Wed Mar 05 00:00:00 CST 2025 | 1.908 |