Fed 미국 금리 인하 가 자영업자에게 미치는 영향
turn more bullish: 여기서 bullish란 bearish의 반대로 상승세 기대, 긍정적 전망을 가지고 가격이 오를 것이라고 기대하는 상황을 말합니다.
bullish market이란 황소가 위로 돌진하는 모습, 낙관적인 전망과 주가 상승을 의미합니다
반면에, bearish market이란 곰이 아래로 내려치는 모습, 비관적인 전망과 주가 하락을 의미합니다
투자 증가와 사업 확장
Small business owners are collectively breathing a sigh of relief at the Federal Reserve’s widely-anticipated decision to cut interest rates last week, and new data show owners expect to put that increased capital to work.
Collectively breathing a sigh of relief: 한숨을 돌리다
CNBC and SurveyMonkey’s Small Business Survey for Q3 found that owners said lower interest rates will lead them to increase investments, expand their business or increase inventory. The poll was taken September 3-9, before the Fed meeting where a rate cut was expected, among a national sample of 2,276 self-identified small business owners ages 18 and up online.
온라인으로 18세 이상 small business 사업주 2276명을 대상으로 조사를 진행했습니다. 이 조사 결과, 금리 인하로 인한 더 많은 투자와 사업 확장, 재고를 늘릴 것임을 계획한다고 응답했습니다.
Main Street has been closely monitoring interest rates. Data from the National Federation of Independent Business, a small business lobbying group, found interest rates on short maturity loans stood at 9.5 percent in August of this year, up from 7.6 percent in January of 2023. In addition, 60 percent of owners said they were not interested in borrowing right now, due in part to high rates.
Main street이 여기서 의미하는 것은 일반적으로 소상공인, 중소기업을 지칭하는 용어입니다. 주로, 지역 사회의 경제 활동과 관련된 business를 말합니다.
Fed 금리 인하 인플레이션과 소상공인의 우려
Closely tied to interest rates is inflation. One in three small business owners in CNBC and SurveyMonkey’s survey believe that inflation has peaked, up 9 points from last quarter’s 24 percent reading.
closely tied 란 두가지가 매우 강하게 연관이 되어 있다는 것인데, 금리와 인플레이션이 강하게 연관되어 있음을 의미합니다
전체적인 신뢰도 증가
In addition, overall confidence increased in the quarterly CNBC/SurveyMonkey poll to 51 out of 100. That’s up four points from last quarter and nine points from the same quarter last year, and the first time during the Biden presidency that it has risen above 50, a “net confident” reading.
overall confidence이 51점으로 증가 되었습니다. 이는 바이든 재임 중 처음으로 50점이 넘었으므로, net confident 긍정적인 평가를 나타냅니다
기사 정리
- New polling on small business owners shows operators expect to put increased capital to work after the Fed’s decision to lower interest rates.
- CNBC and SurveyMonkey’s Small Business Survey for Q3 found that owners said lower interest rates will lead them to increase investments, expand their business or increase inventory.
- One in three small business owners believe that inflation has peaked, up 9 points from last quarter’s 24 percent reading, according to the survey, but cost concerns still linger in the small business community.
WHAT WHY HOW 정리
WHAT: 연방준비제도의 금리 인하 결정이 소상공인들에게 긍정적인 반응을 불러 일으키고 있다
Small business owners turn bullish amid Fed’s interest rate cut
WHY: 금리 인하로 인해 더 많은 투자, 사업 확장, 재고 증가가 기대되기 때문이다
An increase in investment and inventory and business expansion is expected as a result of interest rate cut
HOW: 조사에 따르면, 소상공인들이 인플레이션이 정점에 이르렀다고 생각하지만, 여전히 비용 상승에 대한 우려가 존재한다. 하지만, 전체적인 신뢰도는 증가하여 긍정적인 변화가 나타나고 있다.
Data indicates that inflation rate has reached its highest point, yet cost concerns still linger in the small business community. However, overall confidence has increased, suggesting positive outlook.
