marginal rate of interest

简明释义

边际利率

英英释义

例句

1.Investors should consider the marginal rate of interest when evaluating potential returns on their investments.

投资者在评估潜在投资回报时应考虑边际利率。

2.When the marginal rate of interest increases, it may lead to reduced consumer spending.

当边际利率上升时，可能会导致消费者支出减少。

3.The bank offers a loan with a marginal rate of interest that is competitive in the current market.

银行提供的贷款具有在当前市场中具有竞争力的边际利率。

4.A decrease in the marginal rate of interest can stimulate economic growth by encouraging borrowing.

边际利率的下降可以通过鼓励借贷来刺激经济增长。

5.Understanding the marginal rate of interest is crucial for effective financial planning.

理解边际利率对于有效的财务规划至关重要。

作文

The concept of the marginal rate of interest is fundamental in economics, particularly in understanding the behavior of investors and the allocation of resources. In simple terms, the marginal rate of interest refers to the additional interest earned on an investment for each additional unit of currency invested. This concept is crucial for individuals and businesses when making decisions about saving, investing, and spending money.To illustrate this, consider a scenario where an individual has $1,000 to invest. If they choose to invest this amount in a savings account that offers a 2% annual interest rate, they will earn $20 at the end of the year. However, if they decide to invest in a different account with a 3% interest rate, their earnings would increase to $30. The difference of $10 represents the change in earnings due to the shift in interest rates, which can be analyzed through the lens of the marginal rate of interest.Understanding the marginal rate of interest is essential for evaluating investment opportunities. Investors often seek to maximize their returns, and knowing the marginal rate of interest helps them compare various investment options. For instance, if an investor is considering two different projects, one with a marginal rate of interest of 5% and another with 7%, it becomes clear that the second project is more attractive. This decision-making process is vital in ensuring that funds are allocated efficiently and yield the highest possible returns.Moreover, the marginal rate of interest also plays a significant role in monetary policy. Central banks monitor interest rates closely and adjust them to influence economic activities. When the marginal rate of interest is low, borrowing becomes cheaper, encouraging spending and investment. Conversely, a high marginal rate of interest may deter borrowing, leading to a slowdown in economic growth. Thus, policymakers use the marginal rate of interest as a tool to stabilize the economy, control inflation, and promote growth.In addition to its impact on investments and monetary policy, the marginal rate of interest is also relevant in personal finance. Individuals must consider their marginal rate of interest when deciding whether to pay off debt or invest. For example, if a person has a credit card debt with an interest rate of 18% but can invest in a stock market portfolio that yields an average return of 8%, it would be financially wiser to prioritize paying off the debt. This decision hinges on the understanding of the marginal rate of interest and its implications for financial health.In conclusion, the marginal rate of interest is a vital concept in economics that influences investment strategies, monetary policy, and personal financial decisions. By comprehending this term, individuals and businesses can make informed choices that enhance their financial well-being. Whether it is comparing investment options, understanding the effects of interest rates on the economy, or managing personal finances, the marginal rate of interest serves as a guiding principle in navigating the complexities of financial decision-making.

“边际利率”这一概念在经济学中至关重要，特别是在理解投资者的行为和资源配置时。简单来说，“边际利率”指的是每增加一个货币单位投资所获得的额外利息。这一概念对于个人和企业在做出储蓄、投资和消费决策时至关重要。举个例子，考虑一个人有1000美元可以投资。如果他们选择将这笔钱投资于一个年利率为2%的储蓄账户，那么在年底他们将赚取20美元。然而，如果他们决定投资于一个年利率为3%的账户，他们的收益将增加到30美元。10美元的差额代表了由于利率变化而导致的收益变化，这可以通过“边际利率”的视角进行分析。理解“边际利率”对于评估投资机会至关重要。投资者通常寻求最大化他们的回报，而了解“边际利率”可以帮助他们比较各种投资选项。例如，如果一个投资者正在考虑两个不同的项目，一个的“边际利率”为5%，另一个为7%，那么显然第二个项目更具吸引力。这一决策过程对于确保资金的有效配置和获得尽可能高的回报至关重要。此外，“边际利率”在货币政策中也发挥着重要作用。中央银行密切关注利率并进行调整，以影响经济活动。当“边际利率”较低时，借款变得便宜，鼓励消费和投资。相反，高“边际利率”可能会抑制借贷，从而导致经济增长放缓。因此，政策制定者利用“边际利率”作为稳定经济、控制通货膨胀和促进增长的工具。除了对投资和货币政策的影响外，“边际利率”在个人财务中也很相关。个人在决定是还清债务还是投资时必须考虑自己的“边际利率”。例如，如果一个人有18%的信用卡债务，但可以投资于一个平均回报率为8%的股票市场投资组合，那么从财务上讲，优先偿还债务将更明智。这一决策依赖于对“边际利率”的理解及其对财务健康的影响。总之，“边际利率”是经济学中的一个重要概念，影响着投资策略、货币政策和个人财务决策。通过理解这一术语，个人和企业可以做出明智的选择，从而增强他们的财务健康。无论是比较投资选项，理解利率对经济的影响，还是管理个人财务，“边际利率”都在应对财务决策的复杂性时起着指导作用。