Ithadagreatimpact.Liborisnotjusttheinter-bankinterestrate;itisabenchmarkusedbybanksinsettingratesformortgageloansandcreditcarddebts.Inaddition,LiborisusedinUSderivativemarkets.影响可大了，Libor不仅是银行间的拆款利率，它还是银行设定房贷利率及信用卡卡债利率的指标。此外，Libor也用于美国的衍生性商品市场。以上翻译对吗？