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Untitled ECON3011: Essay Assignment Choose one of the topics below on contemporary issues, research it widely in journal, books, professional magazines, etc and write a reasoned essay about the issue...

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Untitled
ECON3011: Essay Assignment
Choose one of the topics below on contemporary issues, research it widely in journal,
ooks, professional magazines, etc and write a reasoned essay about the issue and
its implications for macroeconomic outcomes and policy. Some suggested sub-
questions to address are given under each topic; you may address some or all of
these sub-questions.
· XXXXXXXXXXFormat: Maximum 1500 words. You may use any number of figures and
diagrams and tables. Use 12 point font, 1.5 line spaces and A4 page size.
· XXXXXXXXXXRemember to cite any writing that is not your own, and you must use
quotation marks for text written by another author. The essays will be submitted
online on iLearn through TURNITIN that can detect copied material from anywhere at
any time globally. Put everything in your words or cite it explicitly.
· XXXXXXXXXXLate submissions that have not been supported by the University with a Special
Consideration application will incur a penalty.
CHOOSE ONE OF THE FOLLOWING POSSIBLE TOPICS
XXXXXXXXXXWhy are interest rates generally so low at present?
Focus on nominal versus real interest rates, on saving-investment equili
ium models,
on demographic trends, on technology trends, on globalization. Consider negative
interest rates and their implications. What are the effects of COVID-19 on interest
ates? When, why and how far might interest rates rise?
XXXXXXXXXXWhy are real wages growing so slowly? Is the Phillips curve still relevant?
Focus on the changing nature of jobs – technology, globalization; effect on
underemployment. What has happened to the modern Phillips curve? If it does not
work empirically, does this mean the New Keynesian macro model is dead? How has
the COVID-19 shock and the policy responses affected wage growth?
XXXXXXXXXXShould central banks always conduct both conventional and unconventional
monetary policies?
Explain how each works. Focus on the effectiveness and limitations of forward guidance
and longer-term asset purchases by major central banks after 2008. What is the RBA’s
cu
ent approach to unconventional policy in XXXXXXXXXX? What are the economic activity
enefits and risks of these policies? Should we be concerned about the large expansion
of central banks' balance sheets?
XXXXXXXXXXEvaluate the performance of inflation targeting by the RBA. How can it be
improved?
Compare with some of the possible alternatives like nominal income targeting. Should
the RBA be concerned about asset price inflation? Is inflation targeting still relevant in
2021 with such low inflation and almost zero short rates? Is fiscal policy now more
elevant? With fiscal policy effectively targeting the unemployment rate, how does this
affect monetary policy?
XXXXXXXXXXWhat is the most likely cause of the next major financial crisis? Will it be
different to previous crises?
Refer to the most recent financial crisis and its aftermath, including policy responses.
Consider financial imbalances in, for example, housing markets, sovereign debt
markets. Is financial regulation in Australia effective enough to avoid a financial crisis
here?

XXXXXXXXXXFacebook plans to introduce a digital cu
ency LIBRA, and many central banks
are considering their own digital cu
encies or have begun experimenting with them
(eg China).
How will these cu
encies work? Compare them to existing crypto- and digital-
cu
encies (like BITCOIN). What are the monetary, financial, macroeconomic and policy
implications of digital cu
encies? Should the RBA introduce a digital cu
ency?
XXXXXXXXXXWhat are the most promising technological innovations now? How will they
affect/disrupt the economies of the world?
Focus on artificial intelligence, machine learning, ITC, robotics. What are the likely
macroeconomic implications of these innovations? Relate your answer to endogenous
growth modelling. How will the extended lockdown and distancing caused by
governments' responses to COVID-19 affect future productivity?
XXXXXXXXXXDiscuss the trends in inequality in rich countries? What are the macroeconomic
policy implications?
Compare trends in income and wealth inequality. Explain how these are measured.
What are the main causes of the trends? Why should we care? What are governments
doing to combat these trends? Are they doing enough? How does Australia compare
with other rich countries?

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Answered 24 days After Apr 25, 2021 ECON3011 Macquaire University

Solution

Preeta answered on May 02 2021
154 Votes
Introduction:
Interest rates can be defined as the percentage of principle charged by the lender for the use of the money lent. The interest rate can be of two types, nominal interest and real interest. The interest rate that is calculated with the impact of inflation is known as nominal interest rate whereas the interest rate that is calculated with the impact of inflation is known as real interest rate (Dreger 2010). Banks and financial institutions use nominal interest rates at the time of lending and so that is the nominal market rate.
In Australia, cash rate is the official interest rate, which is determined by Reserve Bank of Australia (RBA). In April 2021, the interest rate has hit the lowest point ever that is 0.1% (Am and Watts 2021). Some of the theories that will be discussed in the essay are life cycle hypothesis which states that the spending of the people depends on their age and goods market equili
ium states that the intersection point of savings and investment is r that is rate of interest.
Saving-investment equili
ium models:
In equili
ium, the GDP of a nation is equal to its total income (Y).
GDP = Y……………..(1)
In a closed economy, the national income will be equal to consumption (C), investment (I) and government spending (G).
Y = C + I + G ……………..(2)
Y – C – G = I ………………(3)
Now, Y – C – G can be refe
ed to as the national savings (S)
Y - C - G = S …………………(4)
I = S ………………………….(5)
    I
    I S
    Y
An open market can be defined to be a market without any restrictions and free access for all the buyers and sellers, making the marketing environment competitive. If there is a change in the level of either savings or investment, then the interest rate automatically changes in order to
ing to the equili
ium point (Yunusa et al. 2021). If the government want to increase supply of money, the central bank buys bonds from the commercial banks, the banks lend out this extra money acquired from sale of bond. This situation lead to inflation. If the government want to decrease the supply of money, the central bank sells bonds to the banks, the banks will no longer have excess reserve and existing loans will also be called out. This situation could lead to deflation or reduce inflation.
Central bank purchase government security which increases commercial bank reserve, allowing them to provide more loans and investments. This increase government security price and the interest rates decreases. RBA does this to
ing equili
ium between savings and investment. Cu
ently, in Australia the savings among people is increasing. So, to
ing investment to the equili
ium level, the interest rates have fallen. The following graph demonstrates.
        I         S    S1
    

So, as savings curve shift right from S to S1 due to increase in savings. So, the interest rates had to be lowered to maintain the equili
ium level of investment.
Demographic trends:
The economic theory of Modigliani and Friedman (1957) stated that savings widely vary over the lifetime of a person. Young people and old people save the least whereas middle aged people save the most. Young people and old people are in a state of dissaving whereas middle aged people are saving. Middle aged men have more responsibilities like they have families, they have to take care of retirement and so save more. Old people save less as their life is about to end and they like to enjoy that time. Young people have just started their life and so try to spend money to live a comfortable life. Moreover, in youth and old age, the income ids low to actually save where as in middle age income is high and so there is actually prospect of saving. The median age in Australia is 37.9 (Worldometer). The majority of the Australian population belongs to middle aged group. As per the theory, middle aged population will save more and will invest less.
As per the graph shown above, as savings will increase, the interest rate will have to be lowered in order to
ing the investment to the equili
ium level. Due to this...
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