基础知识

美联储加息意味着什么?

日期:2017-05-04
  加息黄金易下跌
 
  因为黄金和美元挂钩,所以加息直接导致美元上涨,相对应的黄金价格则会进入下跌模式。对于黄金投资市场来说,每一次加息或者降息的政策,黄金都会出现大行情,是投资的好时机。
 
  加息股市易下滑
 
  利率发生改变还将对国内、国际市场的各个方面产生影响。比如,银行上调利率,一般容易引起股市下滑。这次提高利率的消息传出后,国内股市就出现了一定的下滑。在国际市场上,由于加息发出了中国经济降温的信号,影响了国际市场原本对中国经济在原材料、新一、吸引外资方面的需求预期,造成国际原材料、石油和金融市场一定的波动。
 
  抑制房地产投机
 
  贷款加息,势必增加企业成本,可能导致企业缩短战线,减少投资或者减薪裁员。围绕贷款加息,议论最多的是房价。房价是当前中国最微妙的一个现象。继国六条之后,5月29日九部委出台严厉宏观调控新政,稳定住房价格,内容包括“个人住房贷款首付比例不得低于30%,90平方米以下个人自住房贷款首付仍是20%”等。有分析认为,提高贷款首付比例和加息结合使用,将抑制房地产投机。
 
  对开发商。贷款加息增加了开发商的融资成本,增加了原材料的价格,可能会抑制开发商的投资热情。但也可能导致房地产市场上的供给减少,进一步激化了房地产市场上的供需矛盾。此外,开发商有可能转向外资或者民间资本,开辟新的融资渠道。某些开发商可能会把贷款加息增加的成本转嫁给消费者,进一步抬高房价。

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