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Argentine Cenbank Hikes Interest Rate By 600 Basis Points To 97% (nasdaq.com) 74

Argentina's central bank on Monday hiked its benchmark interest rate by 600 basis points to 97%, according to an official announcement, as the country battles to bring down inflation that hit 109% on an annual basis in April. From a report: Reuters had reported the hike decision on Sunday, citing a source, as the government announced a package of measures to rein in soaring consumer prices and support the wobbly peso currency.
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Argentine Cenbank Hikes Interest Rate By 600 Basis Points To 97%

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  • Defining a few terms (Score:4, Informative)

    by Chris Mattern ( 191822 ) on Monday May 15, 2023 @09:47AM (#63522463)

    In case you were wondering "600 basis points" means they hiked it from 91%, so it's not a drastic as you might think.

    I might note that an interest rate of 97% when inflation is 109% means that they're still effectively paying you to take their money.

    • Yep, this means real interest rates are still negative in Argentina. So same as here in the US where real interest rates are also still negative..

      yay! we'll pay you to borrow our money!

      The more things change, the more they stay the same :-)

      • Except that's not how this rate is used. This is the rate banks are charged if they don't meet their reserve requirements - so as long as they are managing their money well they never pay anything! This just provides a stronger incentive for them to meet their reserve requirements, which does cause them to either lend less money out or charge more for that lending, which decreases the money supply. Also banks paying money to the central bank by paying interest means that money disappears (since the centr
    • Basis points are a great tool for obfuscation for the populace at large. If you want to hide something, or be alarmist, it's a great tool. Don't get me wrong... there's nothing wrong with it, either as a metric, or a concept. Once it's explained to you, "100 basis points is 1 percent", it's trivial to apply - but only if you care to do so. If your preference is to be alarmed, indignant, outraged, or uninformed, it's a perfect thin veil behind which to place your ignorance (not a pejorative, a state of being

      • Well, of course, 600 basis points is usually quite a lot--it just looks less impressive when measured against 91%. If the US were to increase its interest rate 600 basis points it would more than double its interest rate (which has already had several smaller but notable increases) The results would be drastic.

      • by tlhIngan ( 30335 )

        Basis points are a great tool for obfuscation for the populace at large. If you want to hide something, or be alarmist, it's a great tool. Don't get me wrong... there's nothing wrong with it, either as a metric, or a concept. Once it's explained to you, "100 basis points is 1 percent", it's trivial to apply - but only if you care to do so. If your preference is to be alarmed, indignant, outraged, or uninformed, it's a perfect thin veil behind which to place your ignorance (not a pejorative, a state of being

        • by vux984 ( 928602 )

          Saying basis points makes it easier to comprehend - because in most nations you rarely move more than 50 basis points at any one time. But tell someone the interest rate went up to 2.25% from 1.75% and they can't calculate that.

          I agree with your sentiments on fractions and percents, but I disagree on the particulars.

          I gaurantee that nobody who can't handle the difference between 2.25% and 1.75% could even tell you what a "basis point".

          The main reason its used is simply that it's also more concise; instead of writing 0.10% or even just 0.10 they can just write 10.

          A lesser advantage is that it removes confusion. If I tell you a 10% interest rate went up 10%, then is that 11% (a 10% increase to 10% is 11%) or 20% (10% plus 10% more is 20%)... But to say it went up 100 vs 1000 basis points is pretty clear.

  • by XXongo ( 3986865 ) on Monday May 15, 2023 @10:01AM (#63522513) Homepage
    https://www.ft.com/content/fca... [ft.com]

    Or, if you can get past the paywall, Bloomberg: https://www.bloomberg.com/news... [bloomberg.com]

  • In Argentina inflation has been high for so long, that there's no credit. There haven't been any credible mortgages or car loans for decades, so it doesn't move the needle that much.

    If you want to buy a house or a car, you better save up-front, otherwise tough luck!

  • Argentina's fundamental problem is one that is common in developing and middle-income countries: it borrows and has debts in a foreign currency. That means, when the Argentinian government runs a budget deficit, it can't simply monetize the debt by printing more Pesos. If it tried to print Pesos to pay Dollars, it would quickly end up with Zimbabwe style inflation as the Peso would quickly become completely worthless well before it satisfied all of its Dollar-denominated debt. By contrast, the U.S. could pa

    • by hjf ( 703092 ) on Monday May 15, 2023 @01:59PM (#63523403) Homepage

      argentina's problems are worse actually: it borrows to pay for everyday expenses. politicians have made subsidies their platform, so a good chunk of the GDP goes into subsidizing electricity.

      instead of subsidizing solar panels and solve a long term problem, Argentina chose to subsidize power itself. The previous president removed a large portion of subsidies (some parts of buenos aires were paying a symbolic fee for "flat rate" electricity). this costed him the re election.

      the peso devaluation doesn't really come from external debt (as much), but from printing more and more money to keep half of the population in some sort of government benefit. the "social plans" and "retirement" pensions. the latter were catastrophic, they gave a retirement pension to 3.5M people that never contributed to the system, and basically broke it.

      argentina's lack of dollars comes from a decision made some in the last 2 decades, politicians who said they wanted to "industrialize" and, in order to do this, they needed to destroy the country's main industry, which is agricultural exports. this was of course never about industrializing, but about removing perceived "power" from those classes. so now the country exports less beef than Paraguay.

      in short, Argentina is an insane, self-harming country with no fix in the horizon, due to a broken democratic system. its only hope is a foreign intervention as was done to Germany or Japan - but Argentina chose to be on the wrong side of history every single time in its history, for which it'll always be punished.

      • I agree that subsidies and the like are a problem, but Argentina does have large IMF loans. The need to repay that when coupled with its problematic spending is a huge part of the problem.

        • by hjf ( 703092 )

          Mostly irrelevant. The IMF is sort of a trap, it doesn't want repay. It's a way to keep Argentina's under Washington's grip (which is probably the main reason Argentina hasn't caved in to China's money). IMF payments can be refinanced again and again (as Argentina does all the time). Argentina first needs to fix its spending problem, and then the repay will happen.

          As a reminder, Argentina cleared its debt with IMF fully in 2003, which was the enabler for kirchnerism to do whatever they wanted with the econo

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