{"id":4115,"date":"2021-10-31T21:57:04","date_gmt":"2021-10-31T21:57:04","guid":{"rendered":"\/\/smallcapscn.x5view.co\/?p=4115"},"modified":"2023-08-29T17:51:45","modified_gmt":"2023-08-29T17:51:45","slug":"new-zealand-pointing-way-higher-interest-rates-loan-caps","status":"publish","type":"post","link":"https:\/\/smallcapscn.x5view.co\/?p=4115","title":{"rendered":"\u65b0\u897f\u5170\u901a\u8fc7\u63d0\u9ad8\u5229\u7387\u548c\u8d37\u6b3e\u4e0a\u9650\u6307\u660e\u4e86\u65b9\u5411"},"content":{"rendered":"<p>\u6211\u4eec\u5728\u65b0\u897f\u5170\u7684\u8868\u5144\u5f1f\u5728\u5f88\u591a\u4e8b\u60c5\u4e0a\u90fd\u8d70\u5728\u4e86\u524d\u9762\uff0c\u8fd9\u4e2a\u56fd\u5bb6\u662f\u4e00\u4e2a\u6709\u8da3\u7684\u5b9e\u9a8c\u5ba4\uff0c\u53ef\u4ee5\u770b\u770b\u6fb3\u5927\u5229\u4e9a\u53ef\u80fd\u4f1a\u53d1\u751f\u4ec0\u4e48\u3002<\/p>\n<p>\u65b0\u897f\u5170\u7684\u623f\u5730\u4ea7\u7e41\u8363\u5df2\u7ecf\u975e\u5e38\u6210\u719f\uff0c\u53bb\u5e74\u623f\u4ef7\u4e0a\u6da8\u4e8631%\uff0c\u51e0\u4e4e\u8fbe\u5230\u4e86100\u4e07\u65b0\u897f\u5170\u5143\uff0c\u8fd9\u4fc3\u4f7f\u653f\u5e9c\u8c03\u6574\u7a0e\u6536\uff0c\u8bd5\u56fe\u63a7\u5236\u623f\u4ef7\u2014\u2014\u8fd9\u5728\u8fd9\u91cc\u5df2\u7ecf\u8ba8\u8bba\u8fc7\uff0c\u4f46\u8fd8\u5904\u4e8e\u65e9\u671f\u9636\u6bb5\u3002<\/p>\n<p>\u65b0\u897f\u5170\u7684\u901a\u8d27\u81a8\u80c0\u7387\u4e0a\u5347\u5f97\u66f4\u5feb\u3001\u66f4\u65e9\uff0c9\u6708\u4efd\u4e3a4.9%\uff0c\u800c\u6211\u4eec\u7684\u901a\u80c0\u7387\u4e3a3%\uff0c\u5c3d\u7ba1\u6700\u65b0\u6570\u636e\u663e\u793a\u6211\u4eec\u6b63\u5728\u8fc5\u901f\u8d76\u4e0a\u3002<\/p>\n<h2>\u5229\u7387\u5df2\u7ecf\u4e0a\u5347<\/h2>\n<p>\u66f4\u9ad8\u7684\u901a\u8d27\u81a8\u80c0\u5bfc\u81f4\u65b0\u897f\u5170\u50a8\u5907\u94f6\u884c\u5c06\u5b98\u65b9\u5229\u7387\u4ece0.25%\u63d0\u9ad8\u52300.5%\uff0c\u8fd9\u53ef\u80fd\u4f1a\u8ba9\u6211\u4eec\u7684\u50a8\u5907\u94f6\u884c\u7684\u4efb\u52a1\u662f\u6536\u56de\u5b83\u57282024\u5e74\u521d\u4e4b\u524d\u4e0d\u4f1a\u63d0\u9ad8\u5b98\u65b9\u5229\u73870.1%\u7684\u8bf4\u8f9e\u3002<\/p>\n<p>\u7531\u4e8eRBA\u7684\u901a\u80c0\u9884\u671f\u5df2\u7ecf\u88ab\u4e00\u7cfb\u5217\u4e8b\u4ef6\u6240\u8d85\u8d8a\uff0c\u8fd9\u4e00\u627f\u8bfa\u770b\u8d77\u6765\u5f88\u96be\u5b9e\u73b0\u3002\u6211\u4eec\u6700\u65b0\u516c\u5e03\u7684\u5b63\u5ea6\u901a\u80c0\u7387\u4e3a0.8%\uff0c\u8fdc\u9ad8\u4e8e\u9884\u671f\uff0c\u800c\u6089\u5c3c\u548c\u58a8\u5c14\u672c\u4ecd\u5904\u4e8e\u5c01\u9501\u72b6\u6001\u3002<\/p>\n<p>\u901a\u80c0\u4e0a\u5347\u662f\u4e00\u4e2a\u5168\u7403\u6027\u95ee\u9898\uff0c\u4f46RBA\u4e0d\u80fd\u5ffd\u89c6\u8fd9\u4e00\u95ee\u9898\uff0c\u56e0\u4e3a\u65b0\u897f\u5170\u3001\u52a0\u62ff\u5927\u3001\u632a\u5a01\u3001\u6377\u514b\u548c\u97e9\u56fd\u7b49\u56fd\u8981\u4e48\u63d0\u9ad8\u5229\u7387\uff0c\u8981\u4e48\u51cf\u5c11\u503a\u5238\u8d2d\u4e70\uff0c\u4ee5\u6536\u7d27\u8d27\u5e01\u653f\u7b56\u3002<\/p>\n<h2>RBA\u7684\u51b3\u5b9a\u81f3\u5173\u91cd\u8981<\/h2>\n<p>\u5c3d\u7ba1\u9884\u8ba1RBA\u4e0d\u4f1a\u5728\u58a8\u5c14\u672c\u676f\u65e5\u516c\u5e03\u52a0\u606f\u6216\u51cf\u5c11\u503a\u5238\u8d2d\u4e70\u7684\u51b3\u5b9a\uff0c\u4f46\u968f\u7740\u6fb3\u6d32\u592e\u884c\u8463\u4e8b\u4f1a\u5bf9\u4e0d\u65ad\u53d8\u5316\u7684\u7ecf\u6d4e\u5f62\u52bf\u505a\u51fa\u53cd\u5e94\uff0c\u8be5\u51b3\u5b9a\u5c06\u6210\u4e3a\u6fb3\u6d32\u592e\u884c\u6700\u91cd\u8981\u7684\u51b3\u5b9a\u4e4b\u4e00\u3002<\/p>\n<p>\u5982\u679c\u4e0d\u81f3\u5c11\u8868\u660e\u6709\u673a\u4f1a\u505a\u51fa\u6539\u53d8\uff0c\u8ba9\u672a\u6765\u7684\u4e3e\u63aa\u5728\u901a\u80c0\u7ee7\u7eed\u4e0a\u5347\u4e4b\u524d\u4fdd\u6301\u4e0b\u53bb\uff0c\u90a3\u5c06\u662f\u4e00\u4e2a\u52c7\u6562\u7684\u4e3e\u63aa\u3002<\/p>\n<h2>\u65b0\u897f\u5170\u7684\u4f4f\u623f\u8d37\u6b3e\u6cd5\u89c4\u5373\u5c06\u51fa\u53f0<\/h2>\n<p>\u65b0\u897f\u5170\u9886\u5148\u6fb3\u5927\u5229\u4e9a\u7684\u53e6\u4e00\u4e2a\u9886\u57df\u662f\u5bf9\u4f4f\u623f\u8d37\u6b3e\u7684\u76d1\u7ba1\uff0c\u5c06\u5927\u5e45\u4e0a\u6da8\u7684\u623f\u4ef7\u8003\u8651\u5728\u5185\u3002<\/p>\n<p>Bank 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Robertson\u5c31\u589e\u52a0\u201c\u503a\u52a1\u507f\u8fd8\u80fd\u529b\u9650\u5236\u201d\u7684\u5de5\u5177\u8fbe\u6210\u4e86\u534f\u8bae\u3002<\/p>\n<p>\u65b0\u89c4\u5b9a\u8fd8\u589e\u52a0\u4e86\u4fe1\u8d37\u5408\u540c\uff0c\u4ee5\u4fbf\u8d37\u6b3e\u4eba\u53ef\u4ee5\u5bf9\u7533\u8bf7\u5b9e\u65bd\u989d\u5916\u5ba1\u67e5\uff0c\u4ee5\u786e\u4fdd\u501f\u6b3e\u4eba\u80fd\u591f\u8d1f\u62c5\u5f97\u8d77\u8d37\u6b3e\u3002<\/p>\n<p>Robertson\u8868\u793a\uff0c\u4ed6\u8ba4\u4e3a\u503a\u52a1\u6536\u5165\u6bd4\u63a7\u5236\u63aa\u65bd\u5e94\u53ea\u9002\u7528\u4e8e\u6295\u8d44\u8005\uff0c\u4f46New Zealand Reserve Bank\u8868\u793a\uff0c\u5b83\u8ba4\u4e3a\u53ef\u4ee5\u8bbe\u5b9a\u4e00\u4e2a\u4e0a\u9650\uff0c\u5728\u5f88\u5927\u7a0b\u5ea6\u4e0a\u5b9e\u73b0\u8fd9\u4e00\u76ee\u6807\u3002<\/p>\n<p>\u8be5\u884c\u8868\u793a\uff0c\u5176\u5206\u6790\u663e\u793a\uff0c\u201c\u503a\u52a1\u6536\u5165\u6bd4\u9650\u5236\u201d\u7b49\u5de5\u5177\u53ef\u80fd\u662f\u201c\u592e\u884c\u80fd\u591f\u4f7f\u7528\u7684\u6700\u6709\u6548\u7684\u9644\u52a0\u5de5\u5177\uff0c\u4ee5\u652f\u6301\u91d1\u878d\u7a33\u5b9a\u548c\u623f\u4ef7\u53ef\u6301\u7eed\u6027\u201d\u3002<\/p>\n<h2>\u6bd4\u7387\u4e5f\u5728\u82f1\u56fd\u4f7f\u7528<\/h2>\n<p>\u5728\u6d77\u5916\uff0c\u8fd9\u79cd\u63a7\u5236\u662f\u4e3a\u4e86\u9650\u5236\u4eba\u4eec\u53ef\u4ee5\u501f\u5230\u7684\u94b1\u662f\u5176\u6536\u5165\u7684\u51e0\u500d\u3002\u5728\u82f1\u56fd\uff0c\u501f\u6b3e\u4eba\u901a\u5e38\u88ab\u9650\u5236\u5728\u5e74\u6536\u5165\u76844.5\u500d\u4ee5\u5185\u3002<\/p>\n<p>New Zealand Reserve 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