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notinhk · 2021年11月19日

优惠利率为什么是一个滞后指标呢?

NO.PZ2021052601000011

问题如下:

When the spread between 10-year US Treasury yields and the federal funds rate narrows and at the same time the prime rate stays unchanged, this mix of indicators most likely forecasts future economic:

选项:

A. growth.

B. decline.

C. stability.

解释:

B is correct. The narrowing spread of this leading indicator foretells a drop in short-term rates and a fall in economic activity. The prime rate is a lagging indicator and typically moves after the economy turns.

该领先指标差距的缩小预示着短期利率的下降和经济活动的下降。优惠利率是一个滞后指标,通常在经济好转后才会变动。


请问详细过程是怎样的?
1 个答案
已采纳答案

笛子_品职助教 · 2021年11月19日

嗨,努力学习的PZer你好:


教材里并没有详细讲原因,我们可以这么理解,这是银行向资质最好的贷款客户收取的利率。因为客户资质较好,并且还款月供也需要有比较稳定的预期,这个利率银行一般不会轻易改变。只有经济发生比较大的变化的时候,银行才会变动这个利率。




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