Sei chichikanganiswa kwezvibereko zvekuvhura zvisinganzwisisiki? Muchidimbu chekugovera mazai, mitsara yenguva pfupi inobhadhara zvishomanana kudarika zvisungo zvenguva refu.
Izvi ndezvekuti vatengesi vanotarisira kudzoka kwakaderera apo mari yavo yakasungirirwa kwenguva shoma. Vanoda chibereko chakawedzerwa kuti vape mimwezve kudzoka pane hupfumi hwemazuva mazhinji.
Izvozvo zvakakanganiswa Zvibereko Zvinowanikwa
Iko kushandiswa kwezvibereko zvekurima kunoreva kuti vatengesi havana zvishoma kuvimba mune zvehupfumi. Vaizosarudza kutenga mari yemakore gumi uye vanoisa mari yavo kwemakore gumi kunyange vachiwana muchero wepasi. Izvozvo hazviiti kuti pfungwa isanzwisisike. Vatengesi vanowanzotarisira kudzoka kwepamusoro kunekutsvaga kwenguva refu.
Iko kushandiswa kwezvibereko zvekurima zvinoreva kuti vatengesi vanofunga kuti vachaita zvakanyanya nekubatanidza nechisungo chekugara kwenguva refu kunze kwekuti vakatenga mari shoma yenguva yeHarare. Ndizvo zvavakangoita kuti vatendeuke uye vadzorere mari iyo mune imwe mari. Kana vakatenda kuti kuderera kuri kuuya, vanotarisira kukosha kwezvitsva zvenguva pfupi kuti zvigadzire imwe nguva mugore rinotevera. Ndizvo nokuti Federal Reserve inowedzera kuderedza mari yakadzvara mari iyo hupfumi huri kuwedzera.
Nenguva pfupi yeHurumende yeMariyo inobereka mari iyo inodyidzwa mari inoshandiswa.
Saka nei chibereko chinovhara chichivhara? Sezvo vatengesi vanomiririra kune nguva yakareba yeHurumende yezvisungo, chibereko pane izvo zvisungo zvakaderera. Ndizvo zvavari kuita, saka havakwanisi sepamusoro wezvibereko kuti vakweve vatengesi. Kudiwa kwemari yenguva pfupi yemari yeHaigari inowira, saka vanoda kubhadhara muchero wakakwirira kuti vakweve vatengesi.
Pakupedzisira, kukohwa kwezvikwereti zvenguva pfupi kunokwira zvakakwirira kudarika muchero wezvisungo zvenguva refu, uye muchero wekugadzirisa inverts.
Munguva yekukura kwekugara, chibereko pamakore makumi matatu ekubatanidza chichava nhatu nhatu dzakakwirira kupfuura mwedzi mitatu yemwedzi. Zvisinei, kana vatengesi vachifunga kuti hupfumi huchange huri kuterera mberi kwemakore maviri akatevera, uye zvichizofambisa zvakare mumakore gumi nemakumi manomwe, vangada kusunga mari yavo kusvikira ipapo, pane kuti vadzorerezve nokukurumidza zvikuru rates.
Apo Inverted Inounza Rwizi Rwakagara Ruchafanotaurwa a Recession
Imari yeHaimari inoburitsa nguva yakavhara mberi kwekusunungurwa kwe2000, 1991, uye 1981. Mugove wevhizha yakafanotaurirawo matambudziko emari muna 2008 makore maviri apfuura. Kutanga kwekutanga kwakaitika musi waDecember 22, 2005. Kudya, kunetseka pamusoro pebasa rekushandisa mumakethe emumba, kwave kuri kusimudzira mari yakadyiwa kubva munaJune 2004. Pakazosvika December, yaive ye4.2 muzana.
Izvozvo zvakakonzera chibereko pamakore maviri emari yeZvigari yemari kusvika ku440 muzana. Asi chibereko pamakore manomwe eChinyorwa cheMariki hachina kukura nekukurumidza, kurova chete 4.39 muzana. Izvozvo zvaireva kuti vatengesi vaida kugamuchira kudzoka kwakaderera kubhadhara mari yavo kwemakore manomwe kune makore maviri. Icho chaiva chekutanga kuvhara.
Nenguva yaDecember 30, kukanganisa kwakanyanya kuipa.
Gore rechipiri Mari yeHaimari yeHurumende yakadzorerwa 4.41 muzana, asi gore rechinomwe chikwata chekugovera chakawira kusvika ku4,36 muzana. Imwe gumi yemakore yemari yemari yemari yakabhadharwa yakaderera kusvika ku39,4 kubva muzana, pasi pezvibereko zvemari yemakore maviri.
Kwapera mwedzi (musi waJanuary 31, 2006), Fed yaive yakamutsa mari yakaderedzwa mari. Iyo yemakore maviri bhizimisi yezvibereko yakasvika kusvika ku4,54 muzana. Asi iyo yakanga yakawanda kupfuura makore manomwe emichero ye 4.49 muzana. Kunyange zvakadaro, Fed yairamba ichiwedzera mitero, ichirova 5.25 muzana munaJune 2006. Kuti uwane mamwe mashoko, ona Fed Funds Rate History .
Musi waJuly 17, 2006, kukanganiswa kwakawedzera zvakare apo mwedzi wemakore gumi wakabhadhara 5.07 muzana, pasi pemwedzi mitatu wemwedzi pa5.11 muzana. Izvi zvakaratidza kuti vatengesi vaifunga kuti Fed yaitungamira mune zvakaipa. Nokuda kwezvimwe, ona Subprime Mortgage Crisis: Chiitiko uye Nguva .
| Musi | Fed Funds | 3-Mo | 2-Yh | 7-Yr | 10-Yr |
|---|---|---|---|---|---|
| Dec. 22, 2005 | 4.25 | 3.98 | 4.40 | 4.39 | 4.44 |
| Dec. 30, 2005 | 4.25 | 4.09 | 4.41 | 4.36 | 4.39 |
| Jan. 31, 2006 | 4.50 | 4.47 | 4.54 | 4.49 | 4.53 |
| Jul 17, 2006 | 5.25 | 5.11 | 5.12 | 5.04 | 5.07 |
Zvinosuruvarisa, Dhesi haina kuteerera nyevero. Vaifunga kuti chero bedzi nguva yakareba yezvibereko yaive yakaderera yaizopa huwandu hwehupfumi muhupfumi kuti hudzivirire kuderera. Vakanga vasina kururama.
Muchero wekurima wakaramba wakashandurwa kusvikira munaJune 2007. Muzhizha rose, iyo inotenderera mberi uye mberi, pakati pekudzivirira uye yakadzika yezvibereko. Nenguva yaSeptember 2007, Fed yakaguma yava nehanya. Yakaderedza mari yakadyidzana yakawanda kusvika ku475 muzana. Yakanga iri 1/2 nheyo, iyo yaiva doro guru. Kudyara kwaireva kutumira chiratidzo chinotyisa kumisika.
IHedhi yakaramba ichiderera kudhura kwechigumi kusvikira ichizosvika zero pakupera kwegore ra2008. Muchengetedzo wekukohwa wakanga usingachagadziriswa, asi wakanga wakanonoka. Upfumi hwakanga hwakapinda mumatambudziko akaipisisa kubvira Kubva Kudenga Kukuru . Kuti uwane zvakawanda pamusoro penguva chaiyo yezvakatemwa, ona Current Fed Funds Rate . Shoko kune vakachenjera - usamborega kukanganiswa kwekukohwa mazai.