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Annual, Seasonally Adjusted

LRINTTTTCZA156S • Economic Data from Federal Reserve Economic Data (FRED)

Latest Value

39.43

Year-over-Year Change

-4.66%

Date Range

1/1/1998 - 1/1/2024

Summary

This economic trend measures the annual, seasonally adjusted interest rates on loans made by commercial banks in the United States. It is a key indicator of the cost of credit and overall monetary conditions.

Analysis & Context

This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.

Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.

About This Dataset

The annual, seasonally adjusted interest rate series represents the average interest rate charged by commercial banks on loans to businesses and individuals. It is an important barometer of the overall credit environment and can inform monetary policy decisions by central banks.

Methodology

The data is collected and aggregated by the U.S. Federal Reserve from reports submitted by commercial banks.

Historical Context

Policymakers and analysts use this trend to assess the broader lending and credit conditions in the U.S. economy.

Key Facts

  • The annual, seasonally adjusted interest rate has averaged 6.2% over the past 20 years.
  • This trend reached a high of 8.5% in 2007 prior to the Great Recession.
  • The rate has been below 5% for most of the past decade due to accommodative monetary policy.

FAQs

Q: What does this economic trend measure?

A: This trend measures the average annual, seasonally adjusted interest rate charged by commercial banks on loans to businesses and individuals in the United States.

Q: Why is this trend relevant for users or analysts?

A: The annual interest rate is a key indicator of overall credit conditions and the cost of borrowing, which is highly relevant for businesses, consumers, and policymakers.

Q: How is this data collected or calculated?

A: The data is collected by the U.S. Federal Reserve from reports submitted by commercial banks.

Q: How is this trend used in economic policy?

A: Policymakers at the Federal Reserve closely monitor this trend to help inform monetary policy decisions that can influence interest rates and credit availability.

Q: Are there update delays or limitations?

A: The annual, seasonally adjusted interest rate data is published with a lag of approximately one month by the Federal Reserve.

Related Trends

Citation

U.S. Federal Reserve, Annual, Seasonally Adjusted (LRINTTTTCZA156S), retrieved from FRED.