It has to stay relevant to the market, so nobody really knows where these interest rates come from because no one person sets them.

交易价格必须与市场价格一致,因此没有人能确定,利率的决定过程,因为个人无法决定利率

耶鲁公开课 - 金融市场课程节选

Nobody can see the interest rate-- why the interest rate's at the level it is in the market-- because nobody can see all these individuals; but that's why the interest rate gets determined and is in equilibrium.

没有人能知道,为什么市场利率会是现在的结果,因为没有人能知道其他人的想法,但市场利率就是这样确定并达到均衡

耶鲁公开课 - 金融市场课程节选