base rate

简明释义

保证工资

英英释义

例句

1.Investors closely monitor changes in the base rate to make informed decisions.

投资者密切关注基准利率的变化，以做出明智的决策。

2.When the base rate increases, mortgage payments may also rise.

当基准利率上升时，抵押贷款支付可能也会上涨。

3.The bank adjusted the base rate to encourage more borrowing.

银行调整了基准利率以鼓励更多的借贷。

4.The central bank lowered the base rate to stimulate economic growth.

中央银行降低了基准利率以刺激经济增长。

5.Many lenders use the base rate as a benchmark for setting loan interest rates.

许多贷款机构将基准利率作为设定贷款利率的基准。

作文

Understanding the concept of base rate is crucial in various fields, especially in statistics and decision-making. The term base rate refers to the initial rate or percentage from which adjustments are made. It serves as a reference point for evaluating probabilities and making informed decisions. For instance, in the context of insurance, the base rate might represent the average risk of claims within a certain demographic group. By understanding this base rate, insurers can better assess individual applications and determine appropriate premiums.In everyday life, we often encounter situations where the base rate plays a significant role. Consider a medical scenario where a particular disease affects 1% of the population. If a person tests positive for this disease, it is essential to consider the base rate when interpreting the result. Despite the positive test result, the actual probability that the person has the disease may be much lower than one might assume, primarily due to the low base rate. This phenomenon is known as the base rate fallacy, where individuals overlook the underlying statistical reality in favor of more vivid information, such as a positive test result.Moreover, the base rate is not limited to health-related contexts; it is also applicable in fields like finance and economics. Investors often rely on the base rate of return when evaluating potential investments. The base rate provides a benchmark against which the performance of investment opportunities can be measured. For example, if the historical base rate of return for a particular stock is 8%, investors will use this figure to gauge whether the current investment is likely to yield satisfactory returns.In the realm of behavioral economics, the base rate also highlights how people make judgments under uncertainty. Research has shown that individuals tend to ignore the base rate when presented with specific information about an event. Instead, they focus on anecdotal evidence or vivid details that can lead to skewed perceptions. Understanding the importance of the base rate can help individuals develop better decision-making skills by reminding them to consider statistical realities rather than relying solely on intuition or emotional responses.In conclusion, the base rate is a fundamental concept that influences our understanding of probability, risk assessment, and decision-making across various domains. Recognizing the significance of the base rate enables us to navigate complex situations more effectively. Whether evaluating insurance policies, interpreting medical test results, or making investment choices, incorporating the base rate into our analysis can lead to more informed and rational decisions. As we continue to encounter a world filled with data and uncertainties, the ability to appreciate and apply the base rate will undoubtedly enhance our critical thinking and decision-making capabilities.

理解base rate的概念在各个领域中都是至关重要的，尤其是在统计学和决策制定中。base rate这个术语指的是从中进行调整的初始比率或百分比。它作为评估概率和做出明智决策的参考点。例如，在保险的背景下，base rate可能代表某一特定人口群体内索赔的平均风险。通过理解这一base rate，保险公司可以更好地评估个人申请并确定适当的保费。在日常生活中，我们经常会遇到base rate起重要作用的情况。考虑一个医疗场景，其中一种特定疾病影响1%的人口。如果一个人对这种疾病的检测结果为阳性，那么在解读结果时考虑base rate是至关重要的。尽管检测结果为阳性，但实际上这个人患病的概率可能远低于人们的假设，这主要是由于低base rate。这种现象被称为基率谬误，即个体忽视潜在的统计现实，而倾向于关注更生动的信息，例如阳性的检测结果。此外，base rate不仅限于健康相关的背景；它在金融和经济等领域也同样适用。投资者通常依赖于回报的base rate来评估潜在投资。base rate提供了一个基准，可以用来衡量投资机会的表现。例如，如果某只股票的历史base rate回报率为8%，投资者将使用这一数字来判断当前投资是否可能产生令人满意的回报。在行为经济学领域，base rate还强调了人们在不确定条件下如何做出判断。研究表明，个体在面对关于某事件的具体信息时，往往会忽略base rate。相反，他们更关注轶事证据或生动细节，这可能导致扭曲的感知。理解base rate的重要性可以帮助个体提高决策能力，提醒他们考虑统计现实，而不是仅仅依赖直觉或情感反应。总之，base rate是一个基本概念，它影响我们在各个领域对概率、风险评估和决策制定的理解。认识到base rate的重要性使我们能够更有效地应对复杂情况。无论是评估保险政策、解读医疗检测结果，还是做出投资选择，将base rate纳入我们的分析中，都能带来更明智和理性的决策。随着我们继续在充满数据和不确定性的世界中前行，欣赏和应用base rate的能力无疑会增强我们的批判性思维和决策能力。