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Chapter 5 - Michigan Open Book Project
Chapter 5 - Michigan Open Book Project

... because after the government fulfills it legal obligations, only about ⅓ of the available funds are left to be spent.  Mandatory spending is the term used to describe the money that Congress is required by law to spend on certain programs or to use for interest payments on the national debt.   The ma ...
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... Non-performing loans of non-financial businesses in relation to total credit of this institutional sector arrived at only 6.6 % towards the end of year 2014, which was the least since 2009. Risk lowered also year-on-year (7.2 % at the end of 2013, falling down from its half year). The proportion of ...
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... rate consistent with the economy achieving maximum employment and price stability over the medium term–is currently quite low by historical standards. Under assumptions that I consider more realistic under present circumstances, the same rules call for the federal funds rate to be close to zero… “Fo ...
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... interest rates and bond prices If the nominal interest rates were too low The public’s quantity demanded for money is greater than the quantity supplied The public wants to hold more money So, they sell some of the interest-bearing assets Which depresses the price of bonds Which increases inte ...
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Interest rate



An interest rate is the rate at which interest is paid by borrowers (debtors) for the use of money that they borrow from lenders (creditors). Specifically, the interest rate is a percentage of principal paid a certain number of times per period for all periods during the total term of the loan or credit. Interest rates are normally expressed as a percentage of the principal for a period of one year, sometimes they are expressed for different periods such as a month or a day. Different interest rates exist parallelly for the same or comparable time periods, depending on the default probability of the borrower, the residual term, the payback currency, and many more determinants of a loan or credit. For example, a company borrows capital from a bank to buy new assets for its business, and in return the lender receives rights on the new assets as collateral and interest at a predetermined interest rate for deferring the use of funds and instead lending it to the borrower.Interest-rate targets are a vital tool of monetary policy and are taken into account when dealing with variables like investment, inflation, and unemployment. The central banks of countries generally tend to reduce interest rates when they wish to increase investment and consumption in the country's economy. However, a low interest rate as a macro-economic policy can be risky and may lead to the creation of an economic bubble, in which large amounts of investments are poured into the real-estate market and stock market. In developed economies, interest-rate adjustments are thus made to keep inflation within a target range for the health of economic activities or cap the interest rate concurrently with economic growth to safeguard economic momentum.
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