#美联储FOMC会议 Below are the core takeaways from the Federal Reserve FOMC meeting, a simplified version for popular understanding:

📍 1. What is FOMC?

The "decision-making group" of the Federal Reserve, which meets every 6-8 weeks to decide on U.S. interest rate policy (raising, lowering, or maintaining rates) and the pace of money supply adjustments (such as balance sheet reduction).

⚖️ 2. Main Decision Contents

Interest Rate Decision: Directly determines the costs of loans, deposits, mortgages, etc. For example, raising rates to over 4.5% in 2023, pausing rate hikes in 2024, and discussing rate cuts in 2025.

Balance Sheet Reduction (QT): Reducing the assets held by the Federal Reserve, such as U.S. Treasury bonds, which is equivalent to withdrawing funds from the market (e.g., slowing the pace of balance sheet reduction in 2024).

📊 3. Dot Plot (Key Forecast!)

A "rate prediction chart" showing officials' expectations for interest rates in the coming years. For instance, predicting three rate cuts in March 2024 (actual adjustments may occur).

🎤 4. Powell's Press Conference

Chairman interprets policy, focusing on key attitude keywords:

"Hawkish" (tighter stance): Emphasizes inflation risks, which may delay rate cuts (e.g., lowering rate cut expectations to once in June 2024).

"Dovish" (easier stance): Focuses on economic risks, implying quicker rate cuts.

🔍 5. Key Data for Beginners to Monitor

Inflation: Whether core PCE is close to the 2% target (currently still high).

Employment: Whether unemployment rate spikes (could trigger rate cuts).

Economic Risks: Bank crises (such as the 2023 Silicon Valley Bank incident), tariff impacts (raising prices).

💎 One-sentence Summary: FOMC meeting = set interest rates + watch predictions + read Powell's attitude, directly impacting global stock markets, mortgages, and deposit interest rates!