Lombard rate

简明释义

仓比利率

英英释义

例句

1.The central bank decided to lower the Lombard rate to encourage borrowing among financial institutions.

中央银行决定降低Lombard rate（贷款利率）以鼓励金融机构借贷。

2.A decrease in the Lombard rate generally leads to lower interest rates for consumers.

一般来说，Lombard rate（贷款利率）的下降会导致消费者的利率降低。

3.The Lombard rate serves as a benchmark for other interest rates in the economy.

Lombard rate（贷款利率）作为经济中其他利率的基准。

4.When the Lombard rate is high, banks may be reluctant to take loans from the central bank.

当Lombard rate（贷款利率）较高时，银行可能不愿意向中央银行借款。

5.Investors closely monitor changes in the Lombard rate as it can impact the stock market.

投资者密切关注Lombard rate（贷款利率）的变化，因为这可能影响股市。

作文

The term Lombard rate refers to the interest rate at which central banks lend money to commercial banks, typically against collateral. This concept is crucial in understanding monetary policy and the functioning of financial markets. The Lombard rate plays a significant role in the liquidity management of banks and influences their borrowing decisions. When the central bank sets a high Lombard rate, it discourages banks from borrowing, which can lead to tighter credit conditions in the economy. Conversely, a lower Lombard rate encourages banks to borrow more, potentially stimulating economic activity by increasing the availability of credit.In many countries, the Lombard rate is one of the key rates that central banks monitor and adjust as part of their monetary policy toolkit. For instance, during periods of economic downturn, central banks may lower the Lombard rate to encourage lending and investment. This strategy aims to boost economic growth by making it cheaper for businesses and consumers to access funds. On the other hand, if inflation rises, a central bank might increase the Lombard rate to curb excessive borrowing and spending, thereby stabilizing prices.Understanding the implications of the Lombard rate is essential for investors and economists alike. Changes in this rate can signal shifts in monetary policy that may affect everything from stock prices to currency values. For example, if a central bank announces an increase in the Lombard rate, investors may anticipate a stronger currency due to higher returns on savings and fixed income investments. This anticipation can lead to increased foreign investment and a subsequent appreciation of the national currency.Moreover, the Lombard rate also serves as a benchmark for other interest rates in the economy. Financial institutions often use it as a reference point when setting their own lending rates. Therefore, fluctuations in the Lombard rate can have a cascading effect throughout the financial system, influencing mortgage rates, personal loans, and even corporate financing costs.In summary, the Lombard rate is a vital component of the monetary policy framework. It not only affects the liquidity and borrowing behavior of banks but also has broader implications for the economy as a whole. By understanding the Lombard rate, individuals and businesses can better navigate the financial landscape, making informed decisions based on the anticipated movements of interest rates and overall economic conditions. As such, keeping an eye on changes to the Lombard rate can provide valuable insights into future economic trends and potential investment opportunities.

术语Lombard rate指的是中央银行向商业银行借贷的利率，通常以抵押品为担保。这个概念在理解货币政策和金融市场的运作中至关重要。Lombard rate在银行的流动性管理中发挥着重要作用，并影响它们的借贷决策。当中央银行设定较高的Lombard rate时，它会抑制银行的借贷，这可能导致经济中的信贷条件收紧。相反，较低的Lombard rate鼓励银行借贷，从而通过增加信贷的可用性来刺激经济活动。在许多国家，Lombard rate是中央银行监测和调整的关键利率之一，作为其货币政策工具箱的一部分。例如，在经济衰退期间，中央银行可能会降低Lombard rate以鼓励借贷和投资。这一策略旨在通过使企业和消费者更便宜地获取资金来促进经济增长。另一方面，如果通货膨胀上升，中央银行可能会提高Lombard rate以遏制过度借贷和消费，从而稳定物价。理解Lombard rate的影响对投资者和经济学家来说至关重要。该利率的变化可以预示货币政策的变化，可能会影响股票价格、货币价值等各个方面。例如，如果中央银行宣布提高Lombard rate，投资者可能会预期由于储蓄和固定收益投资的回报率提高，货币会走强。这种预期可能会导致外资增加，进而使国家货币升值。此外，Lombard rate也作为经济中其他利率的基准。金融机构通常将其作为设定自身贷款利率的参考点。因此，Lombard rate的波动可能对整个金融系统产生连锁反应，影响抵押贷款利率、个人贷款甚至企业融资成本。总之，Lombard rate是货币政策框架的重要组成部分。它不仅影响银行的流动性和借贷行为，还对整个经济有更广泛的影响。通过理解Lombard rate，个人和企业可以更好地驾驭金融环境，根据利率和整体经济状况的预期变动做出明智的决策。因此，关注Lombard rate的变化可以为未来的经济趋势和潜在的投资机会提供有价值的见解。