prime

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The prime rate, not a deposit rate, is the focus in this article because the prevailing prime rate is much more uniform across banks than any measure of the prevailing deposit rate.
Reason to Expect Asymmetric Behavior in the Prime Rate
Discrete changes in the prime rate across time are one such example.
The impetus for a change in the prime rate does not appear suddenly in periods when discrete changes take place, only to disappear in periods when no change takes place.
In this way, the dynamic probit model allows the impetus for a change in the prime rate to build across time periods.