Federal Reserve raises key interest rate by 0.75% in ongoing inflation fight¿¬¹æÁغñÁ¦µµÀÌ»çȸ(FRB)°¡ ÁøÇà ÁßÀÎ ÀÎÇ÷¹ÀÌ¼Ç ±âÁرݸ®¸¦ 0.75% ÀλóThe Fed is trying to slow the economy to rein in galloping inflation, which has been sitting at 40-year highs since the beginning of the year.¿¬ÁØÀº ¿¬ÃʺÎÅÍ 40³â ¸¸¿¡ ÃÖ°íÄ¡¸¦ ±â·ÏÇÏ°í ÀÖ´Â ±Þ¼ÓÇÑ ÀÎÇ÷¹À̼ÇÀ» ¾ïÁ¦Çϱâ À§ÇØ °æ±â¸¦ µÐȽÃÅ°·Á ÇÏ°í ÀÖ´Ù.[NBC] 2022³â 9¿ù 22ÀÏ, ¿ÀÀü 3:02
The Federal Reserve on Wednesday hiked its key interest rate by 0.75% for the third time in a row as it races to get ahead of the galloping inflation that is sapping the earnings of American consumers.¿¬¹æÁغñÁ¦µµÀÌ»çȸ(FRB)´Â ¼ö¿äÀÏ ¹Ì±¹ ¼ÒºñÀÚµéÀÇ ¼ÒµæÀ» ¶³¾î¶ß¸®°í ÀÖ´Â ±Þ¼ÓÇÑ ÀÎÇ÷¹À̼ÇÀ» ±Øº¹Çϱâ À§ÇØ ±âÁرݸ®¸¦ ¼¼ ¹ø° 0.75% ÀλóÇß´Ù.In its latest economic forecast, the Federal Open Market Committee said it now projects that the U.S. unemployment rate will climb from 3.7% to 4.4% — meaning hundreds of thousands more Americans will be without jobs.¿¬¹æ°ø°³½ÃÀåÀ§¿øȸ´Â ÃÖ±Ù °æÁ¦ Àü¸Á¿¡¼ ¹Ì±¹ ½Ç¾÷·üÀÌ 3.7%¿¡¼ 4.4%·Î »ó½ÂÇÒ °ÍÀ¸·Î Àü¸ÁÇÏ°í ÀÖÀ¸¸ç ÀÌ´Â ¼ö½Ê¸¸ ¸íÀÇ ¹Ì±¹ÀεéÀÌ ÀÏÀÚ¸®¸¦ ÀÒ°Ô µÉ °ÍÀ̶ó´Â °ÍÀ» ÀǹÌÇÑ´Ù°í ¸»Çß´Ù.The stock market did not respond well after the interest rate news was announced, with the Dow Jones Industrial Average dropping 522 points, or 1.7%, at the close. The S&P and Nasdaq saw similar percentage drops.±Ý¸® ¼Ò½ÄÀÌ ÀüÇØÁø µÚ Áõ½Ã´Â º°´Ù¸¥ ¹ÝÀÀÀ» º¸ÀÌÁö ¾Ê¾Ò´Ù. À̳¯ ´Ù¿ìÁ¸½º»ê¾÷Æò±ÕÁö¼ö´Â Àå ¸·ÆÇ 522Æ÷ÀÎÆ®, 1.7% Ç϶ôÇß´Ù. S&P¿Í ³ª½º´Ú Áö¼öµµ ºñ½ÁÇÑ Ç϶ô·üÀ» ±â·ÏÇß´Ù.This month, the Bureau of Labor Statistics reported inflation had climbed by 8.3% year on year and 0.1% month on month. Both figures came in higher than analysts expected, raising fears that inflation is becoming entrenched.À̹ø ´Þ ³ëµ¿Åë°è±¹Àº ÀÎÇ÷¹À̼ÇÀÌ Àü³âµ¿¿ù´ëºñ 8.3%, Àü¿ù´ëºñ 0.1% »ó½ÂÇß´Ù°í ¹ßÇ¥Çß´Ù. µÎ ¼öÄ¡ ¸ðµÎ ºÐ¼®°¡µéÀÌ ¿¹»óÇß´ø °Íº¸´Ù ³ô°Ô ³ª¿Í ÀÎÇ÷¹À̼ÇÀÌ °íÂøȵǰí ÀÖ´Ù´Â ¿ì·Á¸¦ ³º°í ÀÖ´Ù.The essence of the problem is that demand in the economy is still too high amid a global supply crunch. Thanks to restrained spending during Covid lockdowns and federal stimulus plans, consumers found themselves flush with cash as the economy began to reopen. Meanwhile, Covid supply chain issues lingered, and Russia's invasion of Ukraine dampened access to both food and energy in other parts of the world.¹®Á¦ÀÇ º»ÁúÀº ¼¼°èÀûÀÎ °ø±Þ °æ»ö ¼Ó¿¡¼ °æÁ¦ÀÇ ¼ö¿ä°¡ ¿©ÀüÈ÷ ³Ê¹« ³ô´Ù´Â °ÍÀÌ´Ù. Äڷγª Æó¼â¿Í ¿¬¹æ °æ±âºÎ¾ç °èȹ µ¿¾È ÁöÃâÀ» ¾ïÁ¦ÇÑ ´öºÐ¿¡, ¼ÒºñÀÚµéÀº °æÁ¦°¡ ´Ù½Ã ¿¸®±â ½ÃÀÛÇÏ¸é¼ Çö±ÝÀÌ ³ÑÄ¡´Â °ÍÀ» ¾Ë°Ô µÇ¾ú´Ù. ÇÑÆí Äڷγª °ø±Þ¸Á ¹®Á¦´Â ¿©ÀüÇß°í, ·¯½Ã¾ÆÀÇ ¿ìÅ©¶óÀ̳ª ħ°øÀº ¼¼°è ´Ù¸¥ Áö¿ªÀÇ ½Ä·®°ú ¿¡³ÊÁö¿¡ ´ëÇÑ Á¢±ÙÀ» À§Ãà½ÃÄ×´Ù.So, the Fed is seeking to bring demand back in line with supply. By raising interest rates, the Fed hopes to rein in consumption and borrowing, which in turn should put downward pressure on prices. However, this will come at the cost of a slowing economy.±×·¡¼ ¿¬ÁØÀº °ø±Þ¿¡ ¸ÂÃç ¼ö¿ä¸¦ µÇ»ì¸®·Á ÇÏ°í ÀÖ´Ù. ¿¬ÁØÀº ±Ý¸®¸¦ ÀλóÇÔÀ¸·Î½á ¼Òºñ¿Í Â÷ÀÔÀ» ¾ïÁ¦Çϱ⸦ Èñ¸ÁÇÏ°í ÀÖÀ¸¸ç, ÀÌ´Â ´Ù½Ã ¹°°¡¿¡ ÇÏ¹æ ¾Ð·ÂÀ» °¡ÇØ¾ß ÇÑ´Ù.ÇÏÁö¸¸, ÀÌ°ÍÀº °æ±â µÐÈÀÇ ´ë°¡¸¦ Ä¡¸£°Ô µÉ °ÍÀÌ´Ù."The Fed has been delivering a 'tough love' message that interest rates will be higher, and for longer, than expected," Bankrate.com's Greg McBride wrote in a note released Monday. "The Fed will continue to hike rates until it actually restrains the economy and intends to keep rates at those restrictive levels until inflation is unmistakably on its way to 2%.¡±¹ðÅ©·¹ÀÌÆ®´åÄÄÀÇ ±×·º ¸Æºê¶óÀ̵å´Â 24ÀÏ(ÇöÁö½Ã°£) ¹ßÇ¥ÇÑ ³ëÆ®¿¡¼ "¿¬ÁØÀº ±Ý¸®°¡ ¿¹»óº¸´Ù ³ô°í ´õ ¿À·¡ Áö¼ÓµÉ °ÍÀ̶ó´Â '¾öû³' ¸Þ½ÃÁö¸¦ Àü´ÞÇØ ¿Ô´Ù"°í ¹àÇû´Ù. "¿¬ÁØÀº ½ÇÁ¦·Î °æÁ¦¸¦ ¾ïÁ¦ÇÒ ¶§±îÁö ±Ý¸®¸¦ °è¼Ó ÀλóÇÒ °ÍÀ̸ç ÀÎÇ÷¹À̼ÇÀÌ Æ²¸²¾øÀÌ 2%·Î ¿À¸¦ ¶§±îÁö ±×·¯ÇÑ Á¦ÇÑÀûÀÎ ¼öÁØÀ¸·Î ±Ý¸®¸¦ À¯ÁöÇÒ °ÍÀÌ´Ù."Yet, the labor market remains historically strong, prompting others to argue that unemployment need not climb quite so much. In a note to clients Monday, Goldman Sachs chief economist Jan Hatzius projected it would take until 2024 for unemployment to reach 4.2%.±×·¯³ª ³ëµ¿½ÃÀåÀº ¿ª»çÀûÀ¸·Î ¿©ÀüÈ÷ °Çϱ⠶§¹®¿¡ ´Ù¸¥ »ç¶÷µéÀº ½Ç¾÷·üÀÌ ±×·¸°Ô ¸¹ÀÌ ¿À¸¦ ÇÊ¿ä°¡ ¾ø´Ù°í ÁÖÀåÇÏ°Ô µÈ´Ù. °ñµå¸¸»è½ºÀÇ ¼ö¼® ÀÌÄÚ³ë¹Ì½ºÆ® ¾á ÇÏÄ¡¿ì½º´Â ¿ù¿äÀÏ °í°´µé¿¡°Ô º¸³½ ¸Þ¸ð¿¡¼ ½Ç¾÷·üÀÌ 4.2%¿¡ µµ´ÞÇÏ´Â µ¥ 2024³â±îÁö °É¸± °ÍÀ¸·Î ¿¹»óÇß´Ù.
One area in which higher interest rates are taking a significant bite is housing. In an email to clients Monday, Ian Shepherdson, chief economist at the research group Pantheon Macroeconomics, said nine straight declines in the National Association of Home Builders' index of homebuilder activity and sentiment indicates the home market is now in a "deep recession." As a result, he said, it is unlikely the Fed will continue its aggressive pace of hiking going forward.´õ ³ôÀº ±Ý¸®°¡ Å« Ÿ°ÝÀ» ¹Þ°í ÀÖ´Â ÇÑ ºÐ¾ß´Â ÁÖÅÃÀÌ´Ù. ÆÇÅ׿ ¸ÅÅ©·ÎÀÌÄÚ³ë¹Í½ºÀÇ ÀÌ¾È ¼ÎÆ۵彼 ¼ö¼® ÀÌÄÚ³ë¹Ì½ºÆ®´Â 24ÀÏ(ÇöÁö½Ã°£) °í°´µé¿¡°Ô º¸³½ e-¸ÞÀÏÀ» ÅëÇØ ÁÖÅðǼ³¾÷ÀÚÇùȸÀÇ ÁÖÅðǼ³¾÷ÀÚ È°µ¿Áö¼ö¿Í Á¤¼Áö¼ö°¡ 9³â ¿¬¼Ó Ç϶ôÇÑ °ÍÀº ÁÖÅýÃÀåÀÌ ÇöÀç "±íÀº ºÒȲ"¿¡ óÇØ ÀÖÀ½À» º¸¿©ÁØ´Ù°í ¸»Çß´Ù.±× °á°ú ¿¬¹æÁغñÁ¦µµÀÌ»çȸ(FRB)°¡ ¾ÕÀ¸·Î °ø°ÝÀûÀÎ ÇÏÀÌÅ· ¼Óµµ¸¦ À̾ °Í °°Áö´Â ¾Ê´Ù°í ±×´Â ¸»Çß´Ù.Bankrate's McBride laid out some financial advice Americans should keep in mind as interest rates climb.¹ðÅ©·¹ÀÌÆ®ÀÇ ¸Æºê¶óÀ̵å´Â ±Ý¸®°¡ ¿À¸¦ ¶§ ¹Ì±¹ÀεéÀÌ ¸í½ÉÇØ¾ß ÇÒ ¸î °¡Áö ±ÝÀ¶ Á¶¾ðÀ» ³»³õ¾Ò´Ù."Given the environment of rising rates and a slowing economy," he said, "the financial steps for households to take are boosting emergency savings, paying down high-cost debt, and maintaining contributions into, and a long-term perspective on, retirement accounts."±×´Â "±Ý¸® »ó½Â°ú °æ±â µÐÈÀÇ È¯°æÀ» °¨¾ÈÇÒ ¶§ °¡°è°¡ ÃëÇØ¾ß ÇÒ ±ÝÀ¶ Á¶Ä¡´Â ºñ»ó ÀúÃàÀ» ´Ã¸®°í, °íºñ¿ë ºÎ並 »óȯÇÏ°í, ÅðÁ÷ °èÁ¿¡ ´ëÇÑ ±â¿©¿Í Àå±âÀû °üÁ¡À» À¯ÁöÇÏ´Â °Í"À̶ó°í ¸»Çß´Ù.[nbc] https://www.nbcnews.com/business/economy/federal-reserve-raises-interest-rates-september-2022-rcna48334
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