<p>这已经发生了。九月初，美国中央银行将基准利率下调至 4% 至 4.25% 的目标区间。这是自 2024 年 12 月以来首次实施降息。市场对此举的预期已久。</p>
<p>未来可能还会有更多降息。预计在年底之前，美联储将把联邦基金利率降至 3.5% 至 3.75% 的目标区间。各公司将以不同方式受到影响。</p>
<p>但一家数字支付巨头将从这一货币政策的转变中受益。以下是美联储持续降息可能如何帮助这家企业的一个方面。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzUzNDQvaGFuZGxpbmctZmluYW5jZXMtb24tYS1zbWFydHBob25lLmpwZyZ3PTcwMA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzUzNDQvaGFuZGxpbmctZmluYW5jZXMtb24tYS1zbWFydHBob25lLmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<h2>促进经济活动</h2>
<p><strong>PayPal</strong>（PYPL 3.51%）运营着一个庞大的支付平台，拥有 2.26 亿个月活跃账户。在截至 6 月 30 日的三个月期间，其年化支付交易量达到了惊人的 1.8 万亿美元。它已经存在超过二十年，帮助塑造了商业世界。</p>
<p>PayPal 将从美联储继续降息的宽松政策中受益。由于较低的利率通常对经济具有刺激作用，这将有利于平台上的消费支出。</p>
<p>由于 PayPal 在处理每笔交易时基本上都会盈利，较低的利率可以通过增加的消费支出带来更高的收入。在第二季度，该公司产生了 74 亿美元的交易收入，占总销售额的 89%。</p>

PYPL

<p>美国联邦储备委员会在 9 月份将基准利率下调至 4% 至 4.25% 的目标区间，这是自 2024 年 12 月以来的首次降息。预计还会进一步降息，可能在年底前将利率降低至 3.5% 至 3.75%。这一货币政策的转变预计将有利于数字支付领军企业 PayPal，该公司运营着一个拥有 2.26 亿账户和 1.8 万亿美元年化支付量的平台。较低的利率可能会刺激经济活动，增加在 PayPal 平台上的消费，从而提升其交易收入，第二季度的交易收入为 74 亿美元</p>

<p>It has happened. Early in September, the central bank in the U.S. cut its benchmark interest rate to a target range of 4% to 4.25%. This was the first time since December 2024 that a reduction was implemented. The market was anticipating this course of action.</p>
<div class="lb-trans"><p>这已经发生了。九月初，美国中央银行将基准利率下调至 4% 至 4.25% 的目标区间。这是自 2024 年 12 月以来首次实施降息。市场对此举的预期已久。</p>
</div><p>There could be more to come. It's expected that the Federal Reserve will drop the federal funds rate to a target range of 3.5% to 3.75% before the year ends. Companies across the board will be impacted in different ways.</p>
<div class="lb-trans"><p>未来可能还会有更多降息。预计在年底之前，美联储将把联邦基金利率降至 3.5% 至 3.75% 的目标区间。各公司将以不同方式受到影响。</p>
</div><p>But a digital payments giant is set to benefit from this shift in monetary policy. Here's one way ongoing Federal Reserve rate cuts could help this business.</p>
<div class="lb-trans"><p>但一家数字支付巨头将从这一货币政策的转变中受益。以下是美联储持续降息可能如何帮助这家企业的一个方面。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzUzNDQvaGFuZGxpbmctZmluYW5jZXMtb24tYS1zbWFydHBob25lLmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F835344%2Fhandling-finances-on-a-smartphone.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>Boosting economic activity</h2>
<div class="lb-trans"><h2>促进经济活动</h2>
</div><p><strong>PayPal</strong>(PYPL 3.51%) operates a massive payments platform that has 226 million monthly annual accounts. It handled a whopping $1.8 trillion in annualized payment volume during the three-month period that ended June 30. And it has been around for over two decades, helping shape the world of commerce.</p>
<div class="lb-trans"><p><strong>PayPal</strong>（PYPL 3.51%）运营着一个庞大的支付平台，拥有 2.26 亿个月活跃账户。在截至 6 月 30 日的三个月期间，其年化支付交易量达到了惊人的 1.8 万亿美元。它已经存在超过二十年，帮助塑造了商业世界。</p>
</div><p>PayPal would gain from a more accommodative stance that saw the Fed continue to cut rates. The business would benefit because lower rates are generally stimulative for the economy. This could boost spending on the platform.</p>
<div class="lb-trans"><p>PayPal 将从美联储继续降息的宽松政策中受益。由于较低的利率通常对经济具有刺激作用，这将有利于平台上的消费支出。</p>
</div><p>Since PayPal essentially makes money anytime it handles a transaction, lower rates can lead to higher revenue with that increased spending. During the second quarter, the company generated $7.4 billion in transaction revenue. This represented 89% of the total sales base.</p>
<div class="lb-trans"><p>由于 PayPal 在处理每笔交易时基本上都会盈利，较低的利率可以通过增加的消费支出带来更高的收入。在第二季度，该公司产生了 74 亿美元的交易收入，占总销售额的 89%。</p>
</div>

Here's 1 Way a Fed Rate Cut Could Help This Digital Payments Leader

- 美国中央银行在九月初将基准利率下调至 4% 至 4.25% 的目标区间。  
- 预计年内将进一步降至 3.5% 至 3.75%。  
- PayPal 将因利率降低而受益，第二季度交易收入达 74 亿美元。  

以下是一种美联储降息可能如何帮助这家数字支付领导者的方法