Interest Rate Decision
The interest rate (key rate) — is the main indicator of credit resources’ value in the economy. The key rate is the rate by which the commercial banks can be credited from each other or at the central bank. In general, it talks about short-term borrowings for one night (overnight credits). The level of the Central Bank’s rate directly influences all rates in the economy: both credit rates and deposit rates. Changing the amount of rate, the Central Bank can soften or tighten the monetary policy depending on the current goals. In turn, the changes in the policy of the Central Bank influence employment, GDP, inflation, and many other macroeconomic indicators. The financial regulator reduces the key rate and the monetary policy softens. Less expensive credit resources can help the economy to recover from recession — restore the business activity, decrease unemployment, increase the GDP growth rate. In case the growth of prices threatens the stability of the financial system, the Central Bank tightens the monetary policy. The rise of the interest rate makes credit resources less available, leads to the slowdown and downturn, and exerts pressure on inflation.
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Uamuzi wa kiwango cha riba Kiwango cha riba (kiwango cha msingi) <unk> ni kiashiria kuu cha thamani ya rasilimali za mkopo katika uchumi. Kiwango cha msingi ni kiwango ambacho benki za kibiashara zinaweza kuaminiwa kutoka kwa kila mmoja au katika benki kuu. Kwa ujumla, inazungumza juu ya mikopo ya muda mfupi kwa usiku mmoja (mikopo ya usiku mmoja). Kiwango cha kiwango cha Benki Kuu huathiri moja kwa moja viwango vyote katika uchumi: viwango vya mikopo na viwango vya amana. Kubadilisha kiwango cha kiwango, Benki Kuu inaweza laini au kufyatua sera ya fedha kulingana na malengo ya sasa. Kwa upande mwingine, mabadiliko katika sera ya Benki Kuu huathiri ajira, Pato la Taifa, mfumuko wa bei, na viashiria vingine vingi vya uchumi wa jumla. Msimamizi wa kifedha hupunguza kiwango cha msingi na sera ya fedha hupunguza. Rasilimali za mkopo za bei nafuu zinaweza kusaidia uchumi kupona kutoka kwa mfumuko wa uchumi - kurudisha shughuli za biashara, kupunguza ukosefu wa ajira, kuongeza kiwango cha ukuaji wa Pato la Taifa. Katika kesi ya ukuaji wa bei kutishia utulivu wa mfumo wa kifedha, Benki Kuu tightens sera ya fedha. Kuongezeka kwa kiwango cha riba hufanya rasilimali za mikopo zisipatikane, husababisha kupungua na kushuka, na kusababisha shinikizo la mfumuko wa bei. [Soma zaidi kuhusu] [Soma zaidi kuhusu] [Soma zaidi kuhusu] [Soma zaidi kuhusu]