美国的基准利率是联邦基金利率，这是一种银行间隔夜拆借利率，由美联储对它实施影响。 何时提高这一利率，是美联储讨论的焦点。

The timing of an increase in the benchmark federal-funds rate -- a Fed-influenced rate at which banks lend to each other overnight -- is a centerpiece of Fed discussions.

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一般情况下，银行间彼此会通过短期贷款来平衡准备金的储备，而它们之间短期贷款的利率是紧跟央行的基准利率的。

In normal times, Banks share their cash reserves with each other through short-term loans at interest rates that should closely track the policy rates set by central Banks.

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这将保证银行间拆借利率，公司和家庭贷款的基准利率，都将低于英国3个月，6个月和9个月的定期存款到期利率。

That has kept interbank rates, the benchmark for loans to firms and households, below British levels at 3-month, 6-month and 12-month maturities.

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