medium · Debt Capital Markets

Why did the market transition from LIBOR to SOFR, and what is a key structural difference between the two benchmarks?

  1. SOFR includes a credit premium that rises during financial crises to protect lenders.
  2. SOFR is a transaction-based risk-free rate, whereas LIBOR was a survey-based rate embedding bank credit risk.
  3. SOFR is a term rate set in advance for 3 months, while LIBOR was always an overnight rate.
  4. SOFR is based on unsecured interbank lending estimates provided by major banks.

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