委內瑞拉中央銀行維持約59%的極高政策利率,作為應對惡性通膨風險和穩定玻利瓦爾(Bolivar)的努力之一,同時面對持續的經濟挑戰。日本長期以來的超低利率政策,日本銀行利率接近0.25-0.5%,即使在輕微通膨或生活成本調整後,也經常導致負的實際收益。歐洲中央銀行(ECB)在經歷一系列調整後,將存款便利利率維持在2.00%,統一適用於德國和法國等歐元區國家。瑞士國家銀行(SNB)將其政策利率維持在約0%,反映了瑞士在穩定經濟中對貨幣強度和低通膨的關注。印度儲備銀行再回購利率提供新興市場收益。喬治亞的銀行通常提供約10-11%的當地拉里定期存款利率,儘管在這個不斷發展的高加索經濟體中存在貨幣風險,但仍吸引儲戶。美國聯準會目前將聯邦基金利率的目標區間設定在3.5-3.75%,這是為了平衡經濟成長和控制全球最大經濟體的通膨。加拿大央行利率常與美國政策同步,約在3-4%,因為北美地區貿易聯繫緊密且經濟狀況相似。英格蘭銀行基準利率目前約為4%,這反映了在脫歐後時代,為管理通膨同時支持經濟復甦而取得的謹慎平衡。瑞士提供堅如磐石的銀行安全,政策利率接近0%,非常適合保值財富,而非透過收益追求高成長。澳洲的現金利率處於平衡適中範圍,支持資源豐富的發達經濟體中的穩定增長和低通膨。中國維持低利率以鼓勵貸款和投資,推動世界第二大經濟體的持續擴張。歐元區歐洲央行存款利率為2%,適用於所有成員國,促進大型經濟聯盟的統一貨幣政策以維持穩定。丹麥央行在歐洲央行(ECB)採取類似舉動後,於6月將其主要利率下調25個基點至1.60%。截至2024年底撰寫本文時,汽車貸款的平均年利率約為7%至9%。瑞士的近零利率使借貸成本低廉,同時強調安全和長期財富保值,而非高回報。英格蘭銀行將其基準利率維持在約4%,平衡通脹控制與支持英國經濟增長。亞美尼亞銀行提供高達10-11%的本地德拉姆定期存款競爭性利率,吸引了這個不斷增長的史高加索市場的興趣。加拿大央行利率維持在2-3%的範圍,由於密切的經濟關係,通常與美國政策保持一致。蒙古的銀行提供高達11-15%的本地存款收益,吸引那些探索更高回報選項的人。在近期聯準會降息和市場調整後,30年期固定抵押貸款的平均利率徘徊在5.99%-6.35%左右。印尼銀行在2025年末將利率維持在4.75%左右,以平衡增長和通脹,實現溫和收益。美國10年期公債殖利率約為4.17%,為退休投資組合提供適度的安全收益。加拿大銀行將關鍵利率維持在2.25%,稱經濟已證明具有「韌性」。在令人鼓舞的經濟數據發布後,經濟學家普遍預期加拿大銀行將其關鍵利率維持在2.25%。受近期聯準會降息影響,但對許多借款人來說仍然偏高,美國新車貸款的平均利率在2025年末約為7%。英國的競爭性儲蓄利率約為4-5%,與4%的基本利率密切相關。德國公債殖利率低於美國國債,約為2.62%。對於尋求債券收益的退休人員來說,美國一直提供比日本顯著更高的收益。巴西的貨幣政策利率(稱為Selic)為15%,是主要經濟體中最高的利率之一。英國公債殖利率比德國公債高,約4%。墨西哥等新興市場提供較高的政府債券殖利率。泰國房屋貸款利率平均為6-7%,為東南亞的房地產相關殖利率提供了機會。日本央行政策利率維持在0.50%附近,保持低殖利率。從2003年1月到2025年9月,德國的歷史平均為3.23%。由於經濟因素,利率升高,可獲得高殖利率。新興市場殖利率較高。儘管聯準會降息,信用卡年利率仍居高不下。最新數值截至2025年9月為52.5%,相較於之前的43.53%有所增加。受現金利率影響。中國貸款利率:加權平均:個人住房貸款數據顯示,2024年12月為年利率3.090%。You scored 0 out of 40You scored 1 out of 40You scored 2 out of 40You scored 3 out of 40You scored 4 out of 40You scored 5 out of 40You scored 6 out of 40You scored 7 out of 40You scored 8 out of 40You scored 9 out of 40You scored 10 out of 40You scored 11 out of 40You scored 12 out of 40You scored 13 out of 40You scored 14 out of 40You scored 15 out of 40You scored 16 out of 40You scored 17 out of 40You scored 18 out of 40You scored 19 out of 40You scored 20 out of 40You scored 21 out of 40You scored 22 out of 40You scored 23 out of 40You scored 24 out of 40You scored 25 out of 40You scored 26 out of 40You scored 27 out of 40You scored 28 out of 40You scored 29 out of 40You scored 30 out of 40You scored 31 out of 40You scored 32 out of 40You scored 33 out of 40You scored 34 out of 40You scored 35 out of 40You scored 36 out of 40You scored 37 out of 40You scored 38 out of 40You scored 39 out of 40You scored 40 out of 40
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夢想著更高的收益來進一步延長您的退休儲蓄嗎?在當今的全球金融世界中,低風險存款利率在各國之間差異巨大。截至2025年末,一些國家為定期存款和儲蓄帳戶提供誘人的回報,而另一些國家則以適度的收益優先考慮穩定性。這個有趣的40題測驗將考驗您對當前中央銀行政策利率、存款機會以及通膨等因素如何影響全球實際回報的知識。快來參與,猜猜這些國家,並發掘國際多元化的聰明點子!








