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benmo.eth
Crypto Newbie
2023-06-21 15:11
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美联储加息我们可以拆分开来理解。首先美联储在美国就相当于是联邦储备系统管理委员会。他加息,加的就是联邦基金利率。 那什么叫联邦基金利率嘞? 举个例子: 美国大喵今天往银行里存了1000块钱,那银行就得拿出其中的100块上交到央行里面,剩下的900才能拿去放贷和投资。 这个100块就叫存款准备金,10%就是准备金率。现在有这么个情况,因为每个银行的情况不同,有些银行花钱大手大脚的,导致自己的准备金不足,另外也有些银行资金控制的太好了,手里的准备金特别充足。 美联储就允许银行将多余的准备金外借,相应的对方借了钱就得付利息,而这个利息就叫做联邦基金利率,美联储加息加的就是这个。
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