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小知 加息即上调联邦基金利率,简单来说就是商业银行之间拆借的利率。因此,美联储加息,商业银行的存贷款利率自然也将随之变化。加息的目的就是让银行存款增加,贷款减少,货币回流,这样可以抑制社会投资和消费,经济发展过热时就会降温,避免出现经济危机。

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