美国储户致信耶伦要求美联储加息耶伦回信这样说

美联储主席珍妮特·耶伦(JanetYellen)周一致函消费者维权人士RalphNader说，低投资回报率从根本上来说是导因于金融危机的持续后果以及其后的严重衰退。

美联储主席珍妮特·耶伦(JanetYellen)

美联储主席珍妮特·耶伦(JanetYellen)周一致函消费者维权人士RalphNader说，低投资回报率从根本上来说是导因于金融危机的持续后果以及其后的严重衰退。

耶伦在写给Nader的一封信里辩护美联储自2008年以来维持利率在近零水平的作法，她说，美联储协助刺激了经济中的投资。

如果美联储较早加息，储户或许可以从他们有联邦保险的存款中获得更高的回报，但是这些回报几乎无法抵消他们的住房价值和退休金账户更明显的贬值所带来的冲击，耶伦写道。

她在信中说，较高的利率会产生可怕的后果。

她说，失业率将升至更高的水平，房价将进一步崩溃，甚至更多企业和个人将面临破产和失去房产，股市也不会复苏；当然，储户可能因此看到他们享有联邦保险的存款提供更高的回报率，但这些回报将不足以抵消如果他们的房产和退休帐户价值的大幅缩水。

耶伦还表示，在美联储努力把利率政策正常化的过程中，他们计划缓慢地收紧政策。

耶伦说，她预计就业市场将进一步好转，通胀率将接近美联储2%的目标。若是如此，她和美联储其他官员均已表示，利率开始正常化是适当之举，美联储大部份官员预期利率正常化将采取渐进的速度。

Nader曾于10月份代表一个名为美国储户(SaversofAmerica)的组织致信耶伦，批评她维持低利率并损害储户。

过于激进地上调利率最多也只能暂时让储户受益，她说道。

市场普遍预计，在联邦公开市场委员会12月15-16日在华盛顿召开会议的时候，美联储官员将把基准联邦基金利率提高25个基点，这将是美联储近10年来首次加息。

Nader上个月代表美国储户发表致耶伦的公开信

AnOpenLetterToChairwomanYellenFromtheSaversofAmerica

DearChairwomanJanetYellen:

doesn’tseemfairtoputtheburdenofyourFederalReserve’smonetarypoliciesonthebacksofthoseAmericanswhoaretheleastpositionedtodemandfairplay.

Wefollowthereportingonyourtediouslyover-dramaticindecisionastowheninterestrateswillberaised–heartheFederalReserve’tweneverhearanymentionofus–thesaversoftrillionsofdollarswhohavebeenforcedtomakedowithhavingthebanksandmutualfundsessentiallyprovidealock-boxforourmoneywhiletheyuseittomakeaprofitfortheirfirmsandinthecaseofthegiantbanksandlargemutualfundspaytheirexecutivesexorbitantsalaries..

inkabouttheelderlyamonguswhoneedtosupplementtheirsocialsecuritycheckseverymonth.

OnOctober27theWallStreetJournalheadlinedthelatestrumorsoftwistsandturnsinsidethesecretiveFederalReserve:FedStrivesForClearSignalonRateMove:As2016approachesthecentralbankhopestobettermanagemarketexpectations.

WhatabouttheexpectationsofmillionsofAmericansavers?Itisunfortunatelytruethatwearenotorganized;ifwewerewewouldgiveyouandtheCongressthepropersignals!

Pleasedon’politicalinfactthatyouhavebrazenlyinterpretedyourlegalauthorityastobecomethedefactoregulatorofoureconomythedefactoprinterofmoneyonahugescale(quantitativeeasingistheeuphemismforartificiallyboostingthestockmarket)andtheleaderoftheWashingtonbailoutmachinecronycapitalismwhenbigbusinessespeciallyashakyWallStreetfirmindulgesinmanipulativeavariciousspeculativebingeswithourmoney.

eanti-regulationde-regulationcrowdonCapitolHillshutsitsmouthwhenitcomestothemostpowerfulregulatorsofall–anwhileCongressgoesalongwiththeout-of-controlprivategovernmentoftheFed—reoveryourmassivemonetaryinjectionsscarcelyledtoanyjobsonthegroundotherthanstockandbondprocessors.

Sowhatdoyouadviseustodo?Shoparound?edifferencebetweenbankscreditunionsandmutualfundsmaybeone-twentiethorone-tenthofonepercent!entheninterestratesarefarlessthantheyweretenyearsago.

Maybeyou’meofushavebeenimpelledtodothatbuttoomanyhavelosttheirpeaceofmindandmuchmoneyinthemarket.

TheFed’snear-zerointerestratepolicyisn’thelpingyoungerpeoplewithstudentloans(nowover1.3trilliondollars)doesn’thelpmillionsofpay-dayloanborrowersorvictimsofinstallmentloanrackets–mostlythepoor–whoseinterestratesrolledovercanreachover400percent!

getherfigureoutwhattodofortensofmillionsofAmericanswhowithmoreinterestincomecouldstimulatetheeconomybyspendingtowardthenecessitiesoflife.

Forheaven’ssakeyou’realiberalfromBerkeley!youneedfurthernudgingonmonetaryandregulatorypoliciesoftheFedotherthaninterestratedecisionswhynotinviteBerkeleyProfessorRobertReichoneofyourlong-timefriendsandadmirerstolunchonyournexttriphome?

StartimaginingwhatwethesavershavetoendurebecauseofplutocraticcronycapitalismforwhichtheFederalReservehaslongbeenaleadingTribune.

Canweexpectyourresponse?

Sincerelyyours

SaversofAmerica

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