Lombard rate

简明释义

抵押放款利率［英国］

英英释义

例句

1.Investors closely monitor changes in the Lombard rate to gauge economic conditions.

投资者密切关注Lombard rate的变化，以评估经济状况。

2.During financial crises, the Lombard rate can be lowered to stimulate borrowing.

在金融危机期间，Lombard rate可以降低以刺激借贷。

3.A higher Lombard rate indicates tighter monetary policy.

更高的Lombard rate表明货币政策趋紧。

4.The central bank raised the Lombard rate to curb inflation.

中央银行提高了Lombard rate以抑制通货膨胀。

5.Banks often use the Lombard rate as a benchmark for short-term loans.

银行通常将Lombard rate作为短期贷款的基准。

作文

The financial world is filled with various terms that may seem complex at first glance, yet they play a crucial role in the functioning of economies globally. One such term is the Lombard rate, which is essential for understanding central banking and monetary policy. The Lombard rate refers to the interest rate at which central banks lend money to commercial banks, usually against collateral. This rate serves as a tool for regulating the money supply and influencing economic activity. By adjusting the Lombard rate, central banks can either encourage or discourage borrowing and spending, thereby impacting inflation and economic growth.To delve deeper into the significance of the Lombard rate, it is important to recognize its role in the broader context of monetary policy. When a central bank lowers the Lombard rate, it becomes cheaper for commercial banks to borrow money. This increase in liquidity allows banks to lend more to businesses and consumers, stimulating economic activity. Conversely, if the central bank raises the Lombard rate, borrowing costs increase, which can lead to a reduction in lending and spending. This mechanism is vital for maintaining economic stability and preventing overheating in the economy.Moreover, the Lombard rate also serves as a benchmark for other interest rates in the economy. For instance, if the Lombard rate is high, commercial banks may raise their own interest rates to maintain profit margins, making loans more expensive for consumers. On the other hand, a low Lombard rate can lead to lower interest rates across the board, encouraging individuals to take out loans for big-ticket items like homes and cars. Thus, the Lombard rate has a ripple effect throughout the financial system, influencing everything from consumer behavior to corporate investment decisions.In addition to its impact on lending and borrowing, the Lombard rate can also reflect the overall health of an economy. A consistently low Lombard rate might indicate that a central bank is trying to stimulate a sluggish economy, while a rising rate could suggest that the economy is heating up, necessitating measures to curb inflation. Therefore, analysts and economists closely monitor changes in the Lombard rate as a signal of future economic conditions.Furthermore, the Lombard rate is not static; it fluctuates based on various factors, including inflation rates, economic growth, and global financial conditions. For instance, during periods of economic uncertainty or crisis, central banks may lower the Lombard rate to provide support to the banking sector and encourage lending. This was evident during the 2008 financial crisis when many central banks around the world slashed their Lombard rates to combat the economic downturn.In conclusion, the Lombard rate is a fundamental concept in the realm of finance and economics. It is not just a number; it represents the central bank's stance on monetary policy and its efforts to influence economic activity. Understanding the Lombard rate enables individuals and businesses to make informed decisions regarding borrowing and investing, ultimately contributing to a more robust economy. As we navigate through an ever-changing financial landscape, grasping the implications of the Lombard rate will be crucial for anyone looking to understand the dynamics of our economic system.

金融世界充满了各种术语，这些术语乍一看可能显得复杂，但它们在全球经济的运作中发挥着至关重要的作用。其中一个术语是Lombard rate，这对于理解中央银行和货币政策至关重要。Lombard rate指的是中央银行向商业银行借贷的利率，通常以抵押品作为担保。这个利率作为调节货币供应和影响经济活动的工具。通过调整Lombard rate，中央银行可以鼓励或抑制借贷和消费，从而影响通货膨胀和经济增长。深入探讨Lombard rate的重要性，必须认识到它在货币政策更广泛背景中的作用。当中央银行降低Lombard rate时，商业银行借款变得更加便宜。这种流动性的增加使银行能够向企业和消费者提供更多贷款，刺激经济活动。相反，如果中央银行提高Lombard rate，借贷成本就会增加，这可能导致贷款和消费的减少。这种机制对维护经济稳定和防止经济过热至关重要。此外，Lombard rate还作为经济中其他利率的基准。例如，如果Lombard rate很高，商业银行可能会提高自己的利率以维持利润空间，从而使消费者的贷款变得更加昂贵。另一方面，低Lombard rate可能导致整体利率降低，鼓励个人贷款购买大宗商品，如住房和汽车。因此，Lombard rate在整个金融系统中产生涟漪效应，影响从消费者行为到企业投资决策的方方面面。除了对借贷的影响外，Lombard rate还可以反映经济的整体健康状况。持续低的Lombard rate可能表明中央银行正在努力刺激疲软的经济，而上升的利率可能表明经济正在升温，需要采取措施遏制通货膨胀。因此，分析师和经济学家密切关注Lombard rate的变化，以作为未来经济状况的信号。此外，Lombard rate并不是静态的；它会根据包括通货膨胀率、经济增长和全球金融条件等各种因素而波动。例如，在经济不确定或危机期间，中央银行可能会降低Lombard rate以支持银行业并鼓励贷款。这在2008年金融危机期间得到了体现，当时世界各地的许多中央银行纷纷削减Lombard rate以应对经济下滑。总之，Lombard rate是金融和经济领域的一个基本概念。它不仅仅是一个数字；它代表了中央银行对货币政策的立场以及其影响经济活动的努力。理解Lombard rate使个人和企业能够就借贷和投资做出明智的决策，最终有助于建立一个更强健的经济。在我们穿越不断变化的金融环境时，掌握Lombard rate的含义将对任何希望了解我们经济体系动态的人至关重要。