Current Federal Reserve Interest Rates

by Kimberly Amadeo

Nhasi Kudyidzwa Kwekubhadharwa Kwemari Ndiyo 1.75 Percent

Ikozvino mari yehurumende yemari inokwana 1.75 muzana. Sangano reHeral Reserve rakaratidza kuti richasimudza mitero kusvika 2 muzana muna 2018, 2,5 muzana muna 2019 uye 3 muzana muna 2020. Zero racho rinokosha mukugadzirisa maonero ehupfumi hweUnited States .

Kuenda kwepasi muna 2008 kwakaita kuti Fed idzikise chiyero chayo kusvika ku 0.25 muzana. Izvozvo zvinoshanda zero. Yakagara ikoko kwemakore manomwe kusvikira munaDisemba 2015, apo Fed yakaunza chikwereti chezvibereko kusvika ku 0.5 muzana. Iko inodyidzwa mari inotaridzika inotora nguva shomanana yenzara. Izvi zvinosanganisira mabhengi ' premime rate , Libor , yakawanda yakachinjwa-kutengesa uye chikwereti-chikwereti chete , uye chikwereti chekadhi.

01 FOMC Yakasimudza Mutengo we 1.75 Percent

Komiti yeWorld Open Market yakasimudza mari yakabhadharwa mari inenge chikamu chekutanga kusvika pa175 muzana musi waMarch 21, 2018. t

Nhamba yekutanga yeFed inowedzera mushure mekudarika kwaiva musi waDecember 15, 2015, apo yakakwira ku 0.5 muzana. Izvo zvakashambadza zvakasimudza dhanho sezvinotevera:

Kusvika 0.75 muzana musi waDecember 14, 2016.
Kusvika ku1 muzana muna March o5, 2017
Kusvika 1,25 muzana musi waJune 14, 2017.
Kusvika ku5,5 muzana musi waDecember 13, 2017.

IFed yakapedzisa kugadzirisa purogiramu yaro yehuwandu hwekufambisa muna 2013. Icho chaive kukura kukuru kweFed's open market market tool. Kudyara kunenge kune $ 4 trillion yemadhora pamabhuku ayo kubva kuQE. MunaOctober 2017, yakatanga kubvumira chikwereti kuti chide.

02 5 Matanho Anokudzivirira Pakusimudza Nharaunda Dzaunoda

Iko mari yepamusoro yeFed inoshandisa mari yako yekuchengetedza, kutenga kwako uye zvikwereti zvako. Hezvino zvinhu zvishanu zvaunogona kuita iyezvino kuti udzivirire mari yako.

03 Mashandiro Ekuti Fed Inoshandura Mari Inoshandiswa Nemari

IFOMC inogadzirisa chinangwa chekudyidzana kwemari pamusangano wayo wenguva dzose. Mabhanji anotengesa mumwe mutengo uyu paanokweretesa mumwe nomumwe kudyidzana mari. Izvo zvikwereti zvikwereti zvinoshandurana kune imwe neimwe kusangana neFed's reserve inoda . Nenyanzvi, mabhenji akaisa mahara aya, kwete Federal Reserve. Asi mabhendi anowanzotevera chero dhigiri iyo Fed inogadzirisa seyo inotarisirwa.

04 Mashandiro Ekuti Mari Inoshandiswa Mari Inoshanda Sei

IFOMC inotarisa imwe nharaunda yeaidyidzana mari inoshandiswa. Ichi chiyero chinonyatsopindira kune imwe nguva pfupi yemaitirwo emitengo yakadai sedhipatimendi, zvikwereti zvebhangi, chikwereti chekwereti chido chekuda uye kushandiswa-kuwedzerwa kwemari yekutengesa. Nokuderedza kudyidzana kwemari inotengeswa zvakashamisa munguva yematambudziko emari muna 2008 , Fed yakachengetedza mari inowanika mabhengi. Yakaratidza kumisika yemari kuti yaizoita zvakasimba kuchengetedza kushanda.

05 Zvimwe Zvimwe Zvikwereti Zvitsva Zvatemwa

Iyo inodyidzwa mari inotengeswa ndiyo inonyanya kukosha chiratidzo chezvemari munyika. Kukosha kwaro ndiko kwepfungwa pamwe nemari. Ichokwadi, iyo chete inoshandiswa iyo inopindira zvakananga ndeyekutanga kubhadhara mari uye kugadziriswa kwehuwandu hwemari . Zvigadzirwa pamakore gumi ehurumende yeChinyorwa cheChinyorwa cheHurumende chinotarisa chikwereti chekubhadhara mari. Tsvaga kuti vaviri vacho vanoshanda sei mukudzora kutsika uye kutengesa kwezvinhu .

06 Historical Fed Funds Rate

Dzimba dzakadzikisa chidimbu nehafu hafu, kusvika ku255 muzana, musi waDecember 16, 2008. Icho chaiva chegumi chegumi chakavharwa munguva shoma kwegore. Kupera kwekare kunosanganisira:

Sep. 18, 2007: A 1/2 nheyo yakaiswa ku 4.75 muzana.
Gumiguru 31, 2007: A 1/4 nheyo yakaiswa kusvika ku4,5 muzana.
Dec. 11, 2007: A 1/4 nheyo yakatemwa kusvika 4.25 muzana.
Jan. 22, 2008: Nharo 3/4 yakatemwa kusvika ku3,5 muzana.
Jan. 30, 2008: A 1/2 point akacheka kusvika 3 muzana.
Mar. 18, 2008: Nharo 3/4 yakatemwa kusvika pa2.2 muzana.
Apr. 30, 2008: A 1/4 nheyo yakatemwa kusvika 2 muzana.
Gumiguru 8, 2008: A 1/2 nheyo yakatemwa kusvika ku5 muzana.
Gumiguru 29, 2008: A 1/2 nheyo yakatemwa kusvika 1 muzana.

Dambudziko rekutsvaga rezvekutsvaga rezvemari raidiwa kuti rigadzirise dambudziko rezvemari ra2008 .

07 Mashandiro Akaita Mari Mukudhura Kwese Kwemari

MunaAugust 2007, mabanki akatya kukurana mumwe nemumwe mari, zvichiita kuti Libor chikwata chiwedzere . IFed yakatanga kuedza kugadzirisa izvi zvinotyisa nekuwedzera mari kuwindo rekutsvaga , achitarisira kuti izvi zvingadzorera kushaya mari uye kuvimba mumisika yemari. Apo izvo zvisingashandisi, Fed yakaona kuti inoda kuderedza mari yakadyiwa mari. Pakazosvika gore ra2008, Fed yaibhadhara Bear Stearns , yakatenga AIG , ikaita mari inenge isingagumi kunowanikwa kumabhangi kudzivirira kuparara kwemakethe kwenyika yose.

08 Historical LIBOR Mitengo

Mushure mokunge Fed yaibhadharwa kunze kwekutakura Stearns, yakafunga kuti dambudziko rakanga rapera. MunaEpril 2008, Libor yemari yakatanga kuparadzaniswa kubva kune mari yakaderedzwa mari. Dzimba dzakaderedza mari yakadyiwa mari, asi Libor yakaramba ichiwedzera. Pasinei neHed's reassurance, mabhangi akaramba achivhunduka, uye akanga asingadi kupa chikwereti kune mumwe nemumwe. Vakanga vachitya kugamuchira dzimba dzekunamata dzichigadzirisa semari. Muna Gumiguru 2008, mari yakabhadharwa yakawanda yaiva 1.5 muzana, asi Libor yaiva 4.3 muzana. Iyi yaiva dambudziko rezvemari muna 2008.

09 Low Low Interest Rates Kuita Asset Bubbles Pane Chinotapukira

Vanhu vazhinji vanotya kuti zvirongwa zveFed zvinokurudzira kutengesa. Asi hazvina kudaro, nokuti Fed yakakuvadza pasi dzakawanda zvezvirongwa zvakakonzera hupfumi hwepasi pose kubva pakufa. Yakarondedzera chirongwa chokuwana mari Fed yave yakapinda mumabhangi kubva muna August 2007. Pane kudaro, mitemo yeFed yakagadzira mararamiro emafuta mune zvigadzirwa zvisingaenzaniswi Indekisi yemari yevatengi . Izvo zvinosanganisira zvisungo, ndarama, mashizha uye dhora.

10 A Primer pa Subprime Mortgage Crisis

Nzira yekutanga yekudarika kwekuuya kwaiva mumusika wekumba, apo subprime mortgages yakatanga kusisina. Munguva yeimba yekuvakwa kwemaimba, zvikwereti zvakatorwa kune vashandi vepa subprime vane mari yakawanda yekwereti. Izvi zvikwereti zvakange zvakavanzwa mumapakiti akachengetwa nemabhangi mumusika wechipiri. Hedge mari , mabhangi, uye vamwe vatengesi vakazvitenga, vachifunga kuti vakanga vari mari yakasimba nokuti masangano ekubhadhara chikwereti se Standard & Poor's akadaro.

Apo vanokwereta vakashaya, makambani emari semuLehman Brothers akanganisa. Izvi zvakakonzera kutya, sezvo pasina munhu ainyatsoziva kuti dambudziko racho raiva guru sei.

11 Operation Twist Haana Kubatsira Imba

Operation Twist yakanga iri chirongwa chemadhora mabhiriyoni mana ($ 400 billion) chaifanira kuwedzera misika yemumba uye kukura kwehupfumi. Asi wakazviita here? IFed yakatenga mabhiriyoni ezvitoro zvekubhadhara mari kubva kumabhangi. Apo izvi zvakakura, Fed yakazvitenga zvakawanda. Zvakanaka izvo. Asi chikamu chechipiri cheOp Operation Twist-"chinokanganisa" -chakagadzirirwa kuchengetedza nguva yakareba yezvibereko zvishoma. Izvo Zvakatengeswa zvakatengeswa mari shoma shoma yemari yeHaigari iyo yakabata, uchishandisa mari yekushandisa kutenga kwenguva yakareba Treasury manotsi uye zvisungo.

Zvinosuruvarisa, Fed haina kutarisana nenhamo chaiyo neimba: massive foreclosures muipiyipi. Haikwanisi kusika chido , uye hakuna munhu anoda kutenga imba kana vachiziva kuti haichazowedzeri kukosha. Nokuda kwechikonzero ichocho, Fed's Operation Twist yakanga yakafanana nekukandira tambo, uye haina kubatsira dzimba.

12 Kupera Mukana Inowanzobvunzwa Mibvunzo

Animbova Fed Chairman Ben Bernanke akati basa guru rebhangi rinokosha nderokudzivirira mutarisiro wevanhu wekutengesa kwenyika. Izvi zvinoreva kuti mune hupfumi hune hutano, Fed inenge ichida kuva nehuwandu hwemari yekuderedza kutengesa kwezvinhu. Izvo zvinoita kuti kuda kweFed kuderedze mari inodyidzana mari yakawanda zvokuti zvakanyanya kunyanya kushamisa. Dzidza kuti kutengesa kwezvinhu kunokukanganisa sei uye kuti Fed inotarisira sei.