LIBOR

写法

LIBOR (London Interbank Offered Rate) is the benchmark interest rate that leading banks charge each other for lending and borrowing. It is the most important of the benchmark interest rates and used to price products such as mortgages, derivatives and other financial instruments. LIBOR is published every day, and the rate is determined by a survey of more than 20 leading banks.

LIBOR is important as it impacts markets across the globe. It helps financial institutions calculate the cost of financing and it affects the cost of borrowing for individuals and businesses. A change in LIBOR can also have a significant effect on the prices of financial instruments and products like the adjustable-rate mortgages and consumer loans.

LIBOR is calculated in five currencies and seven lending periods. It is calculated for US dollars (USD), Yen (JPY), British Pound (GBP), Euro (EUR) and Swiss Franc (CHF). The rates are available for different maturities ranging from overnight to one year. The LIBOR rate for one-month is the most popular and widely quoted rate. In addition, LIBOR is calculated for 15 different maturities.

The LIBOR rate is determined by a survey of banks. Each bank provides a quote of what rate it would require to borrow funds in the interbank market, and the average of their responses becomes the LIBOR rate. The process is supported by the British Bankers’ Association.

LIBOR serves as a reference rate for several other interest rates and financial products. It is often seen as a base interest rate for which market participants determine the interest rate they should pay when they borrow from other market participants and vice versa. Since LIBOR is a benchmark rate, it can also be used to adjust to changing economic conditions and market volatility.

Therefore, LIBOR is an important economic indicator. It is widely used to forecast interest rate movements and expected returns on investments. Any changes made to LIBOR will have a ripple effect on other rates and prices of products such as mortgages, loans, and bonds. Therefore, the LIBOR rate is a key indicator to watch in order to get an idea of how the financial markets are responding to changing economic conditions.

The London Interbank Offered Rate (LIBOR) is a benchmark interest rate at which banks borrow from each other in the international interbank market. Its used to set global interest rates.

LIBOR is the most commonly used global benchmark interest rate, affecting over $350 trillion in derivatives and other financial contracts. Its calculated and published daily by the ICE Benchmark Administration (IBA), a division of Intercontinental Exchange (ICE) on behalf of the British Bankers’ Association (BBA).

The rate is determined by averaging the interest rate at which the world’s leading banks borrow from one another in the international interbank market. Banks typically borrow larger amounts of capital over short to longer-term periods, ranging from overnight to a year, but there are also forward-looking rates that are forecast for longer-term borrowing.

The LIBOR rate is based on five different currencies and seven different borrowing periods. Those currencies include the U.S. dollar, the euro, the British pound, the Japanese yen and the Swiss franc. The seven borrowing periods are overnight, 1-week, 1-month, 2-month, 3-month, 6-month and 12-month.

LIBOR is used as the base rate for many financial products and derivatives contracts such as adjustable-rate mortgages, student loans, and floating-rate notes. The rate is also used to price derivatives contracts and as an underlying index for municipal bonds and commercial paper.

Despite its influence, LIBOR has come under fire in recent years as a result of the global financial crisis, as well as numerous manipulation scandals involving major international banks.