Federal funds rate; Fed funds rate

简明释义

联邦资金利率,联邦资金日拆利率

英英释义

例句

1.When the Federal funds rate is increased, mortgage rates often rise as well.

当联邦基金利率上升时，抵押贷款利率通常也会上升。

2.The Fed funds rate is a key tool used by the Federal Reserve to influence economic activity.

联邦基金利率是美联储用来影响经济活动的关键工具。

3.A lower Federal funds rate typically encourages more spending and investment.

较低的联邦基金利率通常会鼓励更多的消费和投资。

4.Investors closely watch changes in the Fed funds rate as it affects borrowing costs.

投资者密切关注联邦基金利率的变化，因为这会影响借贷成本。

5.The central bank decided to raise the Federal funds rate to combat inflation.

中央银行决定提高联邦基金利率以对抗通货膨胀。

作文

The Federal funds rate is a crucial tool used by the Federal Reserve, the central bank of the United States, to influence monetary policy and regulate economic activity. It represents the interest rate at which depository institutions lend reserve balances to other depository institutions overnight on an uncollateralized basis. This rate is vital for maintaining liquidity in the banking system and serves as a benchmark for various other interest rates, including those for mortgages, loans, and savings accounts. Understanding the Federal funds rate is essential for anyone interested in finance, economics, or the broader implications of monetary policy on everyday life.When the Federal funds rate is increased, borrowing costs for banks rise, leading to higher interest rates for consumers and businesses. This typically results in decreased spending and investment, which can slow down economic growth. Conversely, when the Federal funds rate is lowered, it encourages borrowing and spending, stimulating the economy. The Federal Reserve adjusts this rate based on its assessment of economic conditions, inflation, and employment levels.The impact of the Federal funds rate extends beyond just the banking sector; it influences the entire economy. For example, during periods of economic downturn, the Federal Reserve may lower the Federal funds rate to promote economic activity. This strategy was notably employed during the 2008 financial crisis when the Fed slashed rates to near-zero levels in an attempt to revive the economy. Such actions are closely monitored by investors, economists, and policymakers, as they can signal the Fed's outlook on economic health.Moreover, the Federal funds rate plays a significant role in shaping inflation expectations. A low rate can lead to increased demand for goods and services, potentially resulting in higher prices. On the other hand, if the Fed raises the Federal funds rate too quickly, it may stifle economic growth and lead to higher unemployment. Therefore, the Federal Reserve must strike a delicate balance when adjusting this rate to ensure economic stability.In conclusion, the Federal funds rate is more than just a number; it is a fundamental aspect of the U.S. economy that influences everything from consumer behavior to global financial markets. Understanding how the Federal funds rate works and its implications can empower individuals and businesses to make informed financial decisions. As the economy continues to evolve, keeping an eye on the Federal funds rate will remain essential for understanding broader economic trends and preparing for future financial scenarios.

联邦基金利率是美国中央银行——联邦储备系统用来影响货币政策和调节经济活动的重要工具。它代表了存款机构在隔夜无担保基础上借贷储备余额的利率。这个利率对维持银行系统的流动性至关重要，并且作为各种其他利率（包括抵押贷款、贷款和储蓄账户利率）的基准。理解联邦基金利率对于任何对金融、经济或货币政策对日常生活的广泛影响感兴趣的人来说都是必不可少的。当联邦基金利率上升时，银行的借贷成本增加，导致消费者和企业的利率上升。这通常会导致支出和投资减少，从而减缓经济增长。相反，当联邦基金利率降低时，它鼓励借贷和支出，刺激经济。联邦储备根据对经济状况、通货膨胀和就业水平的评估来调整这一利率。联邦基金利率的影响超越了银行部门；它影响整个经济。例如，在经济衰退期间，联邦储备可能会降低联邦基金利率以促进经济活动。这一策略在2008年金融危机期间得到了显著应用，当时美联储将利率削减到接近零的水平，以试图复苏经济。这类行动受到投资者、经济学家和政策制定者的密切关注，因为它们可以表明美联储对经济健康的看法。此外，联邦基金利率在塑造通货膨胀预期方面也发挥着重要作用。低利率可能导致对商品和服务的需求增加，从而可能导致价格上涨。另一方面，如果美联储过快提高联邦基金利率，可能会抑制经济增长并导致失业率上升。因此，联邦储备在调整这一利率时必须寻求微妙的平衡，以确保经济稳定。总之，联邦基金利率不仅仅是一个数字；它是美国经济的基本组成部分，影响从消费者行为到全球金融市场的方方面面。理解联邦基金利率的运作及其影响，可以使个人和企业做出明智的财务决策。随着经济的不断发展，关注联邦基金利率将仍然是理解更广泛经济趋势和为未来财务情景做好准备的重要内容。