Federal Reserve Maintains Current Interest Rates
聯準會維持現行利率不變
更新於: 2026年7月31日 上午04:15
On July 29, 2026, the Federal Open Market Committee (FOMC) decided to keep the federal funds rate steady at 3.5% to 3.75%.
在2026年7月29日，聯邦公開市場委員會(FOMC)決定將聯邦基金利率維持在3.5%至3.75%的區間。
While the U.S. economy continues to expand at a solid pace, inflation remains stubbornly above the Federal Reserve’s 2% target.
雖然美國經濟持續以穩健的步伐擴張，但通貨膨脹率仍頑強地高於聯邦準備理事會設定的2%目標。
The committee highlighted that ongoing geopolitical instability in the Middle East and energy supply shocks are major contributors to these price pressures.
委員會強調，中東持續的地緣政治動盪與能源供應衝擊，是導致這些物價壓力的主要因素。
This division reflects a new strategy under Fed Chair Kevin Warsh, who has shifted toward a strictly data-dependent approach known as watchful thinking, moving away from traditional long-term guidance.
這種分歧反映了聯準會主席凱文·沃許(Kevin Warsh)領導下的新策略，他已轉向一種嚴格依賴數據、被稱為「審慎思考」(watchful thinking)的方針，摒棄了傳統的長期指引。
Markets reacted quickly to the hawkish tone of the statement, with investors now bracing for a potential rate hike at the upcoming September meeting.
市場對該聲明中的鷹派基調迅速做出反應，投資人目前正為即將到來的9月會議可能升息做好準備。
For consumers, this pause may be a temporary reprieve.
對消費者而言，此次暫停升息可能只是暫時的喘息機會。
If inflation does not cool, borrowers could face higher costs for mortgages and loans as the Fed considers tighter monetary policy in the near future.
如果通膨未見冷卻，隨著聯準會考慮在不久的將來採取更緊縮的貨幣政策，借款人可能會面臨更高的房貸與貸款成本。
