¥¢¥á¥ê¥«¤ÎÃæ±û¶ä¹Ô¤ËÅö¤¿¤ëFRB¤¬¤½¤ÎÀ¯ºö·èÄê²ñµÄ¡¢FOMC¤Ç2023ǯËö¤Þ¤Ç¡¢¤«¤Ä2¡ó¤Î¥¤¥ó¥Õ¥ì¤¬µ¯¤­¤ë¤Þ¤ÇÄã¶âÍø¤ÎĹ´ü²½¤òÂǤÁ½Ð¤·¤Þ¤·¤¿¡£°ìÊý¡¢Äã¶âÍø²¼¤ÎÃæ¡¢À¤³¦¤Ç½êÆÀ³Êº¹¤¬É⤭Ħ¤ê¤Ë¤Ê¤Ã¤¿¤Î¤â»ö¼Â¤Ç¤¹¡£½êÆÀ³Êº¹¤ÈÄã¶âÍø¤Î´Ø·¸¤Ë¤Ä¤¤¤Æ¹Í¤¨¤Æ¤ß¤Þ¤·¤ç¤¦¡£

¥¢¥á¥ê¥«¤¬ËܳÊŪ¤ÊĶÄã¶âÍø¤Ë¤Ê¤Ã¤¿¤Î¤Ï¥ê¡¼¥Þ¥ó¥·¥ç¥Ã¥¯¤Î¾×·â¤ÎºÇÃæ¤Î2008ǯ11·î¤Ç¤·¤¿¡£Æ±Ç¯1·î¤Ë¤ÏÀ¯ºö¶âÍø¤Ï3.00¡ó¤Ç¤¢¤Ã¤¿¤â¤Î¤Î½ù¡¹¤Ë²¼¤¬¤ê¡¢Æ±Ç¯½©¤ËÀ¤³¦·ÐºÑ¤¬·ã¿Ì¤Ë¸«Éñ¤ï¤ì¤¿ºÝ¤Ë¤Ï¶âÍø¤â¤Ä¤ë¤ÙÍî¤È¤·¤È¤Ê¤ê¡¢11·î¤Ë¤Ï0.25¡ó¤Ë¤Ê¤ê¤Þ¤·¤¿¡£¤½¤Î¸å¡¢¤³¤Î0.25¡ó¤È¤¤¤¦Ä¶Äã¶âÍø¤Ï¼Â¤Ë7ǯ¤â³¤­2015ǯ11·î¤Ë¥¤¥¨¥ì¥óµÄĹ¡ÊÅö»þ¡Ë¤¬¤è¤¦¤ä¤¯¶âÍø¤ò¾å¤²»Ï¤á¤¿¤Î¤Ç¤¹¡£

¤È¤³¤í¤¬¤½¤Î¾å¤²´ðÄ´¤ò¥¤¥¨¥ì¥ó»á¤«¤é¥Ð¥È¥ó¤ò¼õ¤±¤¿¥Ñ¥¦¥¨¥ëµÄŤ¬¹¹¤Ë·Ñ¾µ¤·¤¿¤â¤Î¤Î¥È¥é¥ó¥×ÂçÅýÎΤ«¤éÎõ²Ð¤Î¤´¤È¤¯¤½¤Î¶âÍ»À¯ºö¤ËÉÔËþ¤ò¤Ö¤Á¤Þ¤±¤é¤ì¡¢19ǯ5·î¤Þ¤Ç¤Î2.50¡ó¤ò¥Ô¡¼¥¯¤Ë²¼¤²¤Ëž¤¸¤Þ¤¹¡£¤½¤·¤Æ¥³¥í¥Ê¤È¤Ê¤Ã¤¿º£¡¢ºÆ¤Ó¡¢0.25¡ó¤È¤¤¤¦¡Ö¿¶¤ê½Ð¤·¡×¤ËÌá¤ê¡¢¥ê¡¼¥Þ¥ó¥·¥ç¥Ã¥¯¤Ë»Ï¤Þ¤Ã¤¿Ä¹´üĶÄã¶âÍø»þÂå¤ÎÂè2Ë뤬ÀڤäÆÍî¤È¤µ¤ì¤Æ¤¤¤ë¤ï¤±¤Ç¤¹¡£

Äã¶âÍø¤È¤Ê¤ë¤È¤Ê¤¼¡¢½êÆÀ³Êº¹¤¬À¸¤Þ¤ì¤ë¤Î¤Ç¤·¤ç¤¦¤«¡©°ì¸À¤Ç¤¤¤¦¤È¶ä¹ÔͶ⤫¤éÀ¸¤Þ¤ì¤ë¶âÍø¼ýÆþ¤¬¤Ê¤¯¤Ê¤ë°ìÊý¡¢¤¢¤ëÄøÅÙ;͵»ñ»º¤¬¤Ê¤¤¤È³ô¼°Åê»ñ¤Ê¤É¤ËÆþ¤ê¹þ¤á¤Ê¤¤¤«¤é¤Ç¤¹¡£

ÆüËܤξì¹ç¤ò¤ß¤ë¤È30Âå¤ÎÊý¤Î¶âÍ»»ñ»º¤Î¥Ý¡¼¥È¥Õ¥©¥ê¥ª¤Ï78¡ó¤¬¸½Í¶â¤ÈÊݸ±»ñ»º¤Ç¤¹¡£³ô¼°¤Ï15¡óÄøÅÙ¡£40Âå¤ä50Âå¤Ë¤Ê¤ë¤È¶âÍ»»ñ»º¤Î80¡ó°Ê¾å¤¬¸½Í¶â¤ÈÊݸ±»ñ»º¤Ç³ô¼°¤Ï7¡óÄøÅÙ¤·¤«¤¢¤ê¤Þ¤»¤ó¡£¤Û¤Ü¶âÍø¤¬¥¼¥í¤Î»þÂå¤Ë8³ä¶á¤¤»ñ»º¤òÁ´¤¯¤ª¶â¤òƯ¤«¤»¤º¤ËÂç»ö¤ËÊú¤¨¹þ¤ó¤Ç¤¤¤ë¤Î¤Ç¤¹¡£

¤³¤ÎÇطʤˤϤ¤¤¯¤Ä¤«Íýͳ¤¬¤¢¤ê¤Þ¤¹¡£°ì¤Ä¤Ë¤Ï¤½¤â¤½¤â¤Î¶âÍ»»ñ»º¤ÎÀäÂгۤ¬¾¯¤Ê¤¤¤³¤È¤¬¤¢¤ê¤Þ¤¹¡£Ê¿¶Ñ¤Ç¤Ï30Âå¤Ç530Ëü±ß¡¢40Âå¤Ç700Ëü¡¢50Âå¤Ç1200Ëü±ßÄøÅ٤Ȥ¢¤ê¤Þ¤¹¤¬¡¢Ãæ±ûÃͤǸ«¤ë¤È30Âå¤Ï240Ëü¡¢40Â夬365Ëü¡¢50Â夬600Ëü±ß¤È¤¤¤¦¿å½à¤Ç¤¹¡£

²ñ¼Ò¶Ð¤á¤ò¤µ¤ì¤Æ¤¤¤ëÊý¤Î¾ì¹ç¡¢¤½¤Î¿Í¤ÎÀ¸³¶¼ýÆþ³Û¤Ï¼Ò²ñ¿Í¤Ë¤Ê¤Ã¤¿½Ö´Ö¤«¤é³µ¤Í¸«¤¨¤Æ¤¤¤Þ¤¹¡£¤¢¤È¤Ï»Ù½Ð¤È¤Î·ó¤Í¹ç¤¤¤ÇÁý¤ä¤¹Êý¤â¤¤¤Þ¤¹¤¬¡¢¤½¤ì¤Ç¤âÀäÂгۤϤɤì¤À¤±²ñ¼Ò¤ÇÍ¥½¨¤ÊÀ®ÀÓ¤ò¼ý¤á¤Æ¤âƱ´ü¤è¤ê¥¼¥í¤¬°ì¤Ä¿¤¤¼ýÆþ¤òÆÀ¤ë¤³¤È¤Ï100¡ó¤¢¤ê¤¨¤Ê¤¤¤Î¤Ç¤¹¡£

¤È¤Ê¤ë¤È¤¢¤ëÄøÅÙ¤ÎǯÎð¤Ë¤Ê¤ë¤ÈÀ¸³¶À߷פòΩ¤Æ»Ï¤á¤Þ¤¹¤Î¤Ç;·×¥³¥ó¥µ¥Ð¤Ë¤Ê¤ê¡¢¤·¤Ã¤«¤êÃù¤á¤ÆÏ·¸å¤ËÈ÷¤¨¤ë¤È¤¤¤¦¹ÔÆ°¤Ë½Ð¤ä¤¹¤¯¤Ê¤ë¤Î¤Ç¤¹¡£¡Ö¥¢¥ê¤È¥­¥ê¥®¥ê¥¹¡×¤ÎÏäǤϤ¢¤ê¤Þ¤»¤ó¤¬¡¢¼«Ê¬¤À¤±¤Ï¥­¥ê¥®¥ê¥¹¤Ë¤Ê¤é¤Ê¤¤¤è¤¦¤Ë¡¢¤È»×¤¦¤ï¤±¤Ç¤¹¡£

¤³¤³¤Ç4-50Âå¤Ç³ô¼°¤Î³ä¹ç¤¬7¡óÄøÅÙ¤È30Âå¤Î15¡ó¤«¤éȾ¸º¤·¤Æ¤¤¤ë¤è¤¦¤Ë¸«¤¨¤Þ¤¹¤¬¡¢Áí¶âÍ»»ñ»º³Û¤¬¤Û¤ÜÇÜÁý¤·¤Æ¤¤¤ë¤Î¤Ç¼Â¤ÏÀäÂгۤǤߤë¤ÈÊѤï¤é¤Ê¤¤¤È¤¤¤¦¤³¤È¤Ë¤Ê¤ë¤Î¤Ç¤¹¡£¤«¤Ä¤Æ¡¢ÆüËܤǤÏÅê»ñ¤òÁý¤ä¤½¤¦¡¢¤È¤¤¤¦Æ¯¤­¤«¤±¤¬²¿Å٤Ȥʤ¯¹Ô¤ï¤ì¤Þ¤·¤¿¤¬¸«»ö¤Ë¼ºÇÔ¤·¤Æ¤¤¤ë¤³¤È¤¬Ê¬¤«¤ë¤È»×¤¤¤Þ¤¹¡£¤Ê¤¼¤«¡¢¤È¤¤¤¨¤Ð¥ê¥¹¥¯¥Þ¥Í¡¼¤Ë»ñ»º¤ò¥¢¥í¥±¡¼¥È¤¹¤ë¤Û¤É·î¡¹¤Î²È·×¼ý»Ù¤¬½½Ê¬¤Ç¤Ï¤Ê¤¤¤Î¤Ç¤¹¡£¤Ê¤é¤Ð¥ê¥¹¥¯¤ò¼è¤ë¤è¤ê¸º¤é¤Ê¤¤¶ä¹ÔͶâ¤ÎÊý¤¬¤Þ¤À¤Þ¤·¤È¹Í¤¨¤ë¿Í¤¬°µÅÝŪ¤Ë¿¤¤¤Î¤Ç¤¹¡£

¥¢¥á¥ê¥«¤Ë¤Ï¸Å¤¤³Ê¸À¤¬¤¢¤ê¤Þ¤¹¡£³ô¼°¤Ê¤É¤ÎÅê»ñ¤Ë½¼¤Æ¤ë¶âÍ»»ñ»º¤Î³ä¹ç¤Ï¡Ö100¥Þ¥¤¥Ê¥¹¼«Ê¬¤ÎǯÎð¡×¤Î¡ó¤ò»Å¸þ¤±¤ë¤È¤¤¤¦¤â¤Î¤Ç¤¹¡£Î㤨¤Ð30ºÐ¤Ê¤é70¡ó¤¬³ô¼°¡¢70ºÐ¤Ê¤é30¡ó¤¬³ô¼°¤È¤µ¤ì¤Þ¤¹¡£¤È¤³¤í¤¬ºÇ¶á¤ÎÄã¶âÍø²¼¤Ç100¤Ç¤Ï¤Ê¤¯¤Æ110-120¤Ë¤¹¤ë¤Ù¤­¤È¤¤¤¦À¼¤¬¤¢¤ê¤Þ¤¹¡£¤È¤¹¤ë¤È30ºÐ¤Ê¤é8-9³ä¤ò¡¢70ºÐ¤Ê¤é4-5³ä¤òÅê»ñ¤Ë½¼¤Æ¤è¡¢¤È¤¤¤¦¤ï¤±¤Ç¤¹¡£¤«¤Ê¤ê̵ËŤǤ¹¤Í¡£¤·¤«¤·¡¢²¾¤Ë¼ýÆþ¤ÎÀäÂгۤ¬Â礭¤±¤ì¤ÐÀ¸³è¤ËɬÍפʲȷ׼ýÆþ¤Î³Û¡Ê¡á²È·×¤Î¸ÇÄêÈñ¡Ë¤ÎÈæΨ¤¬²¼¤¬¤Ã¤Æ¤­¤Þ¤¹¤Î¤ÇÅê»ñ¤Ë»Å¸þ¤±¤ë;ÎϤ¬Áý¤¨¤ë¤Î¤Ç¤¹¡£

¥À¥¦Ê¿¶Ñ¤òĶĹ´ü¤Ç¸«¤ë¤ÈÅÓÃæ¤ÇÆ̱ú¤Ï¤¢¤ê¤Þ¤¹¤¬³Î¼Â¤ËÀ®Ä¹¤·¤Æ¤¤¤Þ¤¹¡£°ìÊý¡¢Æü·ÐÊ¿¶Ñ¤Ï89ǯ¤Î¥Ô¡¼¥¯¤«¤é¤¤¤Þ¤À¤Ë4³ä¶á¤¯²¼²ó¤ë¤Î¤Ç¤¹¡£¤³¤ì¤Ç¤ÏÅê»ñ¤ËÂФ¹¤ë»ÑÀª¤Ï¤½¤â¤½¤â°ã¤¤¤¹¤®¤ë¤È¤¤¤¦¤â¤Î¤Ç¤¹¡£

¼¡¤Ë¤Ê¤¼¡¢Äã¶âÍø¤¬½êÆÀ³Êº¹¤òÀ¸¤ß¤ä¤¹¤¤¤«¡¢¤Ç¤¹¡£³§¤µ¤ó¤Ëº£¤«¤é100Ëü±ßÃù¤á¤Æ¤¯¤À¤µ¤¤¡¢¤È¤¤¤¦¤È¤½¤ó¤Ê¤Ë´Êñ¤Ë¤Ç¤­¤Ê¤¤¤È¤¤¤¦¤«¤â¤·¤ì¤Þ¤»¤ó¡£¤Ç¤Ï¼ê»ý¤Á¤Î100Ëü±ß¤ò200Ëü±ß¤Ë¤·¤Æ¤¯¤À¤µ¤¤¤È¸À¤ï¤ì¤¿¤é¤É¤¦¤Ç¤·¤ç¤¦¡©2ÇܤǤ¹¡£ÆüËܤǶâÍø¼ýÆþ¤À¤±¤ÇãÀ®¤¹¤ë¤Ë¤Ï¿ôËüǯ¤°¤é¤¤¤«¤«¤ë¤«¤â¤·¤ì¤Þ¤»¤ó¡£¤Ç¤Ï1000Ëü±ß¤ò1100Ëü±ß¤Ë¤È¸À¤ï¤ì¤¿¤é¤¿¤Ã¤¿1³ä¤Ç¤¹¡£1³ä¤°¤é¤¤Áý¤ä¤¹¤Ê¤é³ô¼°»Ô¾ì¤Ç¥¹¥­¥ë¤¬¤¢¤ë¿Í¤¬¤½¤Îµ¤¤Ë¤Ê¤ì¤Ð¤»¤¤¤¼¤¤1¥«·î¤â¤¢¤ì¤ÐãÀ®¤Ç¤­¤Ê¤¯¤Ï¤Ê¤¤¥ì¥Ù¥ë¤Ç¤¹¡£¤Ä¤Þ¤ê¡¢³ô¼°»Ô¾ì¤ËÅêÆþ¤Ç¤­¤ë¸µ¼ê¤¬¤¢¤ë¤Î¤È¤Ê¤¤¤Î¤Ç¤ÏÁý¤¨Êý¤¬¤Þ¤ë¤Ç°ã¤¦¤Î¤Ç¤¹¡£

¶â»ý¤Á¤¬¤É¤ó¤É¤ó¶â»ý¤Á¤Ë¤Ê¤ëÍýͳ¤Ï¤½¤Î¿¤¯¤Ï»ö¶È²È¤Ç¤¢¤ê¡¢¼«Ê¬¤Î²ñ¼Ò¤Î³ô¼ç¤À¤Ã¤¿¤ê¡¢¶âÍ»»ñ»º¤ä401K¤Ç³ô¼°¤òÂçÎ̤˻ý¤Ã¤Æ¤¤¤ë¥±¡¼¥¹¤¬Â¿¤¤¤È»×¤¤¤Þ¤¹¡£¤½¤ì¤é¤ÎÁý¤¨Êý¤Ï¡ó¤ÏƱ¤¸¤Ç¤âÀäÂгۤÎÁý¤¨Êý¤¬²Ã®ÅÙŪ¤Ë¤Ê¤ë¤³¤È¤â¤¢¤ê¤Þ¤¹¡£¤³¤³¤Ç¤¤¤¦²Ã®Å٤ȤÏÊ£ÍøŪ±¿ÍѤò¤¹¤ë¤È¤¤¤¦°ÕÌ£¤Ç¤¹¡£Î㤨¤Ð¾å½Ò¤Î1000Ëü±ß¤ò°ì¤«·î¤Ç1100Ëü±ß¤ËÁý¤ä¤·¤¿¾ì¹ç¡¢¤½¤ÎÁý¤¨¤¿100Ëü±ß¤ò¹¹¤Ë±¿ÍѤ¹¤ì¤ÐƱ¤¸10¡ó/·î¤Ç¤â2¥«·îÌܤÏ1210Ëü±ß¤Ë¤Ê¤ê¡¢10Ëü±ß;·×¤ËÁý¤¨¤ë¤Î¤Ç¤¹¡£¤½¤ì¤ÏµÕ¤Ë¸À¤¦¤È¤¸¤Ã¤È»ý¤Ã¤Æ¤¤¤Æ¤â¤À¤á¤Ç¤É¤ó¤É¤óÇäÇã¤ò·«¤êÊÖ¤·¤Æ¤¤¤¯É¬Íפ¬¤¢¤ë¤È¤â¤¤¤¨¤Þ¤¹¡£

Äã¶âÍø¤È¤ÏËÜÍè¤Ç¤¢¤ì¤Ð´ë¶È¤ÎÅê»ñ¤òÂ¥¤·¡¢¾ÃÈñ¼Ô¤Ë¾ÃÈñ¤òÂ¥¤¹¤â¤Î¤Ç¤¹¡£¤È¤³¤í¤¬¼ÂºÝ¤Ë¤Ï´ë¶È¤ÎÅê»ñ¤Ë¤Ïµ¡Ç½¤·¤Æ¤¤¤Þ¤¹¤¬¡¢¾ÃÈñ¼Ô¤ÏÍߤ·¤¤¤â¤Î¤¬Ë°Ï¤·¤Æ¤¤¤ë¤Î¤ÇÅê»ñ¤Ë²ó¤ê¤ä¤¹¤¯¤Ê¤ê¡¢»ý¤Æ¤ë¼Ô¤¬¤É¤ó¤É¤ó»ñ»º¤òÁý¤ä¤¹°ìÊý¡¢¤½¤â¤½¤â·Êµ¤¤¬°­¤¤¤«¤é¶âÍø¤¬Ä㤤¤ï¤±¤Ç¡¢»ñ»º¤ä¼ýÆþ¤¬¾¯¤Ê¤¤¿Í¤ÏÍߤ·¤¤¤â¤Î¤¬Ç㤨¤Ê¤¤¤É¤³¤í¤«¡¢»Å»ö¤Ë¤¢¤ê¤Ä¤¯¤Î¤¬Àº¤¤¤Ã¤Ñ¤¤¤È¤¤¤¦¤³¤È¤Ë¤Ê¤ë¤Î¤Ç¤¹¡£

¤½¤ÎÅÀ¤«¤é¤¹¤ì¤ÐÀ¤³¦¤Ç³¤¯Äã¶âÍøÀ¯ºö¤Ï³Êº¹¤¬¹¹¤ËÁý¤¹¤Î¤ÏÀÝÍý¤È¤â¤¤¤¨¤ë¤ï¤±¤Ç¡¢º£¸å¡¢¤½¤Î³«¤¤¤¿¥®¥ã¥Ã¥×¤¬¼Ò²ñ¤ÎÃæ¤Ç¤É¤¦Âª¤¨¤é¤¨¤é¤ì¤ë¤«¤¬ÃåÌܤµ¤ì¤ë¤È¤³¤í¤Ë¤Ê¤ë¤Ç¤·¤ç¤¦¡£

¤Ç¤Ïº£Æü¤Ï¤³¤Î¤°¤é¤¤¤Ç¡£

¥Ö¥í¥°¤Î±þ±ç¤â¤ª´ê¤¤¤Ç¤­¤Þ¤¹¤«¡©¥¯¥ê¥Ã¥¯¤ò¤¹¤ë¤È¥Ö¥í¥°¥é¥ó¥¯¥¢¥Ã¥×¤Ë¤Ä¤Ê¤¬¤ê¤Þ¤¹¡£

ËÌ¥¢¥á¥ê¥«¥é¥ó¥­¥ó¥°

¤Þ¤¿ÌÀÆü¤ª²ñ¤¤¤·¤Þ¤·¤ç¤¦¡£