3.54%。 According to the interest rate inquiry of the Federal Reserve, the benchmark interest rate of bank loans in the United States is 3.54%, and the federal benchmark interest rate of the Federal Reserve is the dominant interest rate in the United States. Commercial banks will adjust the deposit and loan interest rates accordingly according to the federal benchmark interest rate of the Federal Reserve (3.54%).
Overseas dollar loan interest rate
About 1.5%
The deposit and loan interest rates in the United States are relatively low, and the current interest rate can be ignored. The interest spread of American banks is very low, because Americans basically don't save money, and banks don't make money by interest spread, which is about 1.5%.
Futures and spot are completely different. Spot is actually a tradable commodity. Futures are mainly not commodities, but standardized tradable contracts with some bulk products such as cotton, soybeans and oil and financial assets such as stocks and bonds as the targets. Therefore, the subject matter can be commodities (such as gold, crude oil and agricultural products) or financial instruments.
The delivery date of futures can be one week later, one month later, three months later or even one year later.
Bank of America interest rate table (1980-20 15)
Bank of America interest rate table (1980-20 15) is as follows:
Annual interest rate%
1980—— 13.35
198 1—— 16.39
1982—— 12.24
1983——9.09
1984—— 10.23
1985——8. 1
1986——6.8
1987——6.66
1988——7.57
1989——9.2 1
1990——8. 1
199 1——5.69
1992——3.52
1993——3.02
1994——4.2 1
1995——5.83
1996——5.3
1997——5.46
1998——5.35
1999——4.97
2000——6.24
200 1——3.88
2002—— 1.67
2003—— 1. 13
2004—— 1.35
2005——3.22
2006——4.97
2007——5.02
2008—— 1.92
2009——0. 16
20 10——0. 18
20 1 1——0. 1
20 12——0. 14
20 13——0. 1 1
20 14——0.09
20 15——0. 14
Extended data:
Basis of interest rate adjustment:
First, the overall price level.
This is an important basis for safeguarding the interests of depositors. If the interest rate is higher than the price increase rate in the same period, the actual interest income of depositors can be guaranteed to be positive; On the contrary, if the interest rate is lower than the rate of price increase, the real interest income of depositors will become negative. So the interest rate depends not only on the nominal interest rate, but also on the positive interest rate or negative interest rate.
Secondly, the interest burden.
For a long time, most of the funds for the production and development of large and medium-sized state-owned enterprises depend on bank loans, and the change of interest rate level has a direct and important impact on the costs and profits of enterprises. Therefore, the determination of interest rate level must consider the affordability of enterprises. For example, from 1996 to 1999, the People's Bank of China lowered the deposit and loan interest rates for seven consecutive times, greatly reducing the interest expenses of corporate loans.
The third is interest.
The influence of interest rate adjustment on fiscal revenue and expenditure is mainly indirectly produced by affecting the increase or decrease of fiscal tax paid by enterprises and banks. Therefore, when adjusting the interest rate level, we must comprehensively consider the revenue and expenditure of the state finance. Banks are special enterprises that manage monetary funds, and deposit-loan spreads are the main source of bank income. The determination of interest rate level should also maintain an appropriate deposit-loan spread to ensure the normal operation of banks.
Fourth, the supply and demand situation.
Interest rate policy should obey the overall situation of national economic policy and reflect the requirements of national policies in different periods. Like the prices of other commodities, the determination of interest rate level should also consider the supply and demand of social funds, which is restricted by the law of supply and demand of funds.