Alevel经济高分复习笔记分享→英国与欧元（4）

　　Alevel经济学一直都是留学热门专业，它所学习的内容涵盖了一系列基本的经济思想，并且引导同学们立足国际，培养经济大视野，如果大家对未来从事金融业或商业很感兴趣，alevel经济学是一门很适合学习的科目！本篇中小编为大家总结了Alevel经济学高分笔记中有关英国和欧元的部分，前篇已经分享，可在本站搜索关键词查看，后篇会持续更新，可供参考。

　　Variable rate debt in the UK 英国的可变利率债务

　　This is a disadvantage specific to the UK. In the UK, not only do a high percentage of the population own a home rather than rent, but also many more of the mortgage holders have variable rate debt than in EU countries. If the UK was part of the euro, any change in the interest rate set by the ECB, whether sensible or not, would have a much bigger impact in the UK.

　　A rise in the interest rate would cause the mortgage payments of all those who have a variable rate mortgage to rise. They would have less disposable income, so consumption would fall. There would be an equally big swing the other way if interest rates rose. This is why many economists argue that UK interest rates should be set separately from Euro-land interest rates. The subsequent effects are too different for the same interest rate to work for the UK and the rest of Euro-land.

　　这是英国特有的不利因素。在英国，不仅有很高比例的人口拥有住房而不是租房，而且与欧盟国家相比，更多的抵押贷款持有人拥有可变利率债务。如果英国是欧元的一部分，欧洲央行设定的任何利率变化，无论是否合理，都会对英国产生更大的影响。

　　利率的上升将导致所有拥有可变利率抵押贷款的人的抵押贷款付款上升。他们的可支配收入会减少，所以消费会下降。如果利率上升，同样会有一个很大的反面波动。这就是为什么许多经济学家认为，英国的利率应该与欧洲大陆的利率分开制定。后续的影响太不一样了，同样的利率对英国和欧元区的其他国家都是有效的。

　　以上是小编为大家收集的Alevel经济学高分笔记（4），希望对大家有所帮助，祝各位同学学业有成金榜题名！后篇将会持续更新，如有更多Alevel辅导的需要，欢迎联系在线客服老师，会获得更专业的指导~