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Depending LEAST interest rate

Into the long run, interest rates depend LEAST upon the: (1) premiums needed to induce savers to delay consumption. (2) premiums necessary to induce wealth holders to sacrifice liquidity. (3) productivity of new capital. (4) demands and supplies of loanable funds. (5) whims of loan officers in financial institutions.

Hello guys I want your advice. Please recommend some views for above Economics problems.

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