当然了， 贷款利息， checking account 利息， saving account 利息， CD， tbills, 一大堆利息， 都相关， 又各不相同。 Fed 控制的是 Federal Funds Rate. What Is the Federal Funds Rate? The term federal funds rate refers to the target interest rate range set by the Federal Open Market Committee (FOMC). This target is the rate at which commercial banks borrow and lend their excess reserves to each other overnight. The FOMC is the policymaking body of the Federal Reserve System. It meets eight times a year to set the target federal funds rate, which is part of its monetary policy. This is used to help promote economic growth. Key Takeaways The federal funds rate is the target interest rate range set by the Federal Open Market Committee. This is the rate at which commercial banks borrow and lend their excess reserves to each other overnight. The FOMC sets the target federal funds rate eight times a year, based on prevailing economic conditions. The federal funds rate can influence short-term rates on consumer loans and credit cards. Investors monitor the federal funds rate because it has an impact on the stock market.
感觉有可能要先从什么是美元 和银行讲起。 哈哈
我理解的是降息就是降低房贷利率，跟鲍威尔的降息不是一回事？
鲍威尔的利息是本，房贷利息和其他各种利息都是鲍威尔利息的derivative
当然了， 贷款利息， checking account 利息， saving account 利息， CD， tbills, 一大堆利息， 都相关， 又各不相同。
Fed 控制的是 Federal Funds Rate.
What Is the Federal Funds Rate? The term federal funds rate refers to the target interest rate range set by the Federal Open Market Committee (FOMC). This target is the rate at which commercial banks borrow and lend their excess reserves to each other overnight. The FOMC is the policymaking body of the Federal Reserve System. It meets eight times a year to set the target federal funds rate, which is part of its monetary policy. This is used to help promote economic growth. Key Takeaways The federal funds rate is the target interest rate range set by the Federal Open Market Committee. This is the rate at which commercial banks borrow and lend their excess reserves to each other overnight. The FOMC sets the target federal funds rate eight times a year, based on prevailing economic conditions. The federal funds rate can influence short-term rates on consumer loans and credit cards. Investors monitor the federal funds rate because it has an impact on the stock market.