Nharaunda Dzakashambadzira Dzakagadziriswa uye Kuti Dzinobata Sei Purofiti Yenyu
Chirwere chakasimba kupfuura zvose muFed's arsenal ndiko kukwanisa kutungamira hutungamiri hwekuda mari. Kana zvikwereti zvinoderera zvishoma, mari inowanikwa nyore nyore. Izvi zvinogona kukurudzira kufambira mberi kwemupfumi nokuti, hupenyu hwevanhu kuti huve chii, mari yakawanda yaunayo, iwe unowedzera kubhadharira chimwe chinhu chaunoda-kana iri motokari kana iyo itsva yema plasma skrini.
Kubva kusina kuvharwa, zvakadaro, uye chigumisiro "mari yakawanda kwazvo kutengesa zvinhu zvishomanana," sezvinoreva shoko racho. Izvi zvinotungamirira kuhupfumi sezvo mabhizinesi achiziva kuti vanogona kutengesa mitengo yakakwirira yezvinhu zvavo nemashandiro. Nenguva isipi, zvinokubhadharai kuti muzadze gasi renyu reji uye firiji.
Kana zvikwereti zvinodarika zvakanyanya, zvakadaro, mugumisiro unogona kunge uri kuderera uye, mumamiriro ezvinhu akaipisisa, kuparadzanisa; izvo zvinoguma zvingave zvinoparadza mari - fungidzira uchienda kubhadhara chikwereti chako uye uchiziva kuti, kunyange zvazvo chikamu chisina kuwedzerwa, chichakudhura iwe mari yakawanda maererano nekutenga simba kupfuura yakamboita!
Ko Federal Reserve ingasvibisa sei mutungamiri wezvibereko ? Pane imwe nzira mbiri:
- Nokusimudza kana kuderedza kuderedzwa kwezinga.
- Nokusava nekunyepedzera kutungamirirwa kweSweden mari yepamusoro.
The Discount Rate
Izvo zvinotapudza chiyero ichi chikwata chekuda mari mabheji anokwidzwa apo vanokwereta mari kamwe chete kubva kune imwe ye Federal Reserve Banks .
Kana mari yemari ichiwedzera kubhengi rako, ivo vachakubhadharai zvakawanda semugumisiro. Izvi zvinoita kuti guta rive rinodhura uye rinoguma mune zvishoma kubhadhara. Kutenga kuderera, zvichiita kuti zvive zvakaoma kuti mitengo iwedzere; izvo zvinopesana kuva chokwadi kana iyo huru inosvika shoma shoma nekuda kwekuderera kwekutengesa kwezinga.
The Federal Funds Rate
The Federal money rate ndiyo yekuti mabanki anotengeserana kune husiku humwe. "Nei bhengi rimwe richikwereta mari kune imwe?" iwe unobvunza. Kudyiswa kunogona kuda mabhengi kuchengeta imwe yepakati yemari inoshandisa mari yemari kana kuiswa mune imwe yeBurumende Reserve mabhangi. Nguva nenguva, ichagadzira chikamu chaidiwa chekuchengetedza kuchengetedza; apo chikamu ichi chiwedzerwa, mari yakawanda inofanira kuchengetwa muchivande usiku, zvichiita kuti zvive zvakaoma (uye zvinodhura) kuti mari iwane. Apo gwaro rekudiwa rinoderedzwa, mari yacho inosunungurwa; nokuti mari shoma inofanira kuchengetwa paruoko inova nyore kuwana mari.
Kuwedzera (kana kuderera) mari yekuwana mari inopihwa kune vatengi sezvo mabhenji achigadzirisa chikwereti chavo chekukweretesa (iyo mabhanji anotengesa avo vanonyanya kukosha) kuti vatsigire. Iko kunotora chikwereti ichi haisi yunifomu; Bhizinesi reAmerica inogona kuva nehanho imwe apo US Bank ine imwe. Somugumisiro, iyo inonyanya kutaurwa inonyanya kukosha mufananidzo muUnited States ndiyo yakawanikwa muWall Street Journal . Iyo inomiririra kuongororwa kwebhendi makumi matatu makuru emarudzi; apo makumi maviri nematatu emasangano aya akashandura mari yavo yepamusoro, WSJ inopindura nekuvandudza dhigiriro rakabudiswa.
Izvozvo zvinoguma nechokuita pasi rako nokuti makadhi akawanda ekwereti, somuenzaniso, inotora chikwereti chaunokwereta iwe uchibhadhara pamutengo wepamusoro pamusoro peWSJ prime rate.