???????? 21? ‘? ????? ??? ??? ??? ??’ ????? “? ??? ??? ???? ??? ???? ???? ??? ??? ???? ???”? ??? ????.

? ??? ?? ???? ???? ?????????(FRB)? ???? ????? ??? ???? ??? ? ??? ???? ?? ?? ? ???? ?? ??? ??? ??? ? ????.

? ?????? ?? ??????(FFr)? ??? ? 4.75%, ??? 4.85%, 2000? 3??(7～9?) 4.89% ??? ????? ?? ??? ???? ??? ???? ????.

????? ??? ???? ?? ?? ???? ???? 5? ??? 5.2%?? 0.5% ???? ??? 4.7%? ????, ???? ??? 204?3000????? 23?4000???? ??? 180?9000???? ? ???? ???? ????.

? 2000? ???? ???? ??? ?? ????? ?? 1% ???? 35???? ??? 4.0%? 117?1000???? ?? ?? ?? ??? ??? ??? 120? ???? 125??? ??? ???? ?? ??? 5% ?? ??? ??? ????.

??? ????? ?? ????(????)? 6? ?? 5.17% ???? ?? 5.7% ???? ?? ????? ???? ????? ???? ???? ??? ????.

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