dear money policy

简明释义

高利政策

英英释义

例句

1.The central bank adopted a dear money policy to control inflation.

中央银行采取了紧缩货币政策来控制通货膨胀。

2.The dear money policy has made borrowing more expensive for consumers.

这项紧缩货币政策使得消费者借款变得更加昂贵。

3.Investors are worried that the dear money policy will slow down economic growth.

投资者担心紧缩货币政策会减缓经济增长。

4.A dear money policy can lead to higher interest rates on loans.

实施紧缩货币政策可能导致贷款利率上升。

5.During periods of high inflation, governments often implement a dear money policy.

在高通货膨胀时期，政府通常会实施紧缩货币政策。

作文

The term dear money policy refers to a monetary policy approach that aims to make borrowing more expensive and saving more attractive. This is typically achieved through increasing interest rates, which can have significant implications for the economy. In times of inflation or economic overheating, central banks may adopt a dear money policy to cool down spending and investment. The rationale behind this strategy is that higher interest rates discourage excessive borrowing and encourage individuals and businesses to save more. When a central bank implements a dear money policy, it often leads to a decrease in consumer spending. For example, when interest rates rise, the cost of loans increases, making it more expensive for individuals to finance large purchases such as homes or cars. Consequently, consumers may delay these purchases, leading to a slowdown in economic activity. This reduction in spending can help curb inflation, as demand for goods and services decreases.Moreover, a dear money policy can impact businesses as well. Companies that rely on borrowing to finance their operations or expansion may find it more challenging to secure loans at affordable rates. As a result, they might reduce investment in new projects, hire fewer employees, or even lay off workers. This can lead to a ripple effect throughout the economy, contributing to slower growth and potentially higher unemployment rates.On the other hand, there are benefits to a dear money policy. By encouraging saving, it can lead to a healthier financial environment in the long run. When people save more, they build up their financial reserves, which can provide stability during economic downturns. Additionally, higher interest rates can attract foreign investment, as investors seek better returns on their savings. This influx of capital can strengthen the national currency and improve the balance of payments.However, the implementation of a dear money policy must be approached with caution. If interest rates are raised too quickly or too high, it can lead to a recession. Economic growth can stall, and the negative effects on employment and business investment can create a challenging environment for recovery. Therefore, central banks need to carefully assess economic indicators and adjust their policies accordingly to strike a balance between controlling inflation and fostering economic growth.In conclusion, the dear money policy plays a crucial role in managing an economy's health. While it aims to control inflation by making borrowing more expensive, it can also have adverse effects on consumer spending and business investment. Central banks must navigate these challenges wisely to ensure a stable economic environment that promotes growth while keeping inflation in check. Understanding the implications of a dear money policy is essential for policymakers, businesses, and individuals alike, as it shapes the financial landscape in which we operate.

“亲钱政策”是指一种货币政策方法，旨在使借款变得更加昂贵，同时使储蓄更具吸引力。这通常通过提高利率来实现，这对经济产生重大影响。在通货膨胀或经济过热的情况下，中央银行可能会采用“亲钱政策”来冷却消费和投资。这一策略背后的理由是，提高的利率会抑制过度借贷，并鼓励个人和企业更多地储蓄。当中央银行实施“亲钱政策”时，通常会导致消费者支出减少。例如，当利率上升时，贷款成本增加，使个人融资大宗购买（如房屋或汽车）变得更加昂贵。因此，消费者可能会推迟这些购买，从而导致经济活动放缓。这种支出减少有助于抑制通货膨胀，因为商品和服务的需求减少。此外，“亲钱政策”也会影响企业。依赖借贷来资助运营或扩张的公司可能会发现以可承受的利率获得贷款变得更加困难。因此，它们可能会减少对新项目的投资，雇用更少的员工，甚至裁员。这可能在整个经济中产生涟漪效应，导致增长放缓，失业率可能上升。然而，“亲钱政策”也有其好处。通过鼓励储蓄，它可以在长期内促进更健康的财务环境。当人们储蓄更多时，他们建立起财务储备，这可以在经济低迷时期提供稳定。此外，更高的利率可以吸引外国投资，因为投资者寻求更好的储蓄回报。这种资本流入可以增强国家货币并改善国际收支平衡。然而，实施“亲钱政策”必须谨慎。如果利率提高得过快或过高，可能会导致经济衰退。经济增长可能停滞，失业和商业投资的负面影响可能会造成复苏的挑战性环境。因此，中央银行需要仔细评估经济指标，并相应调整其政策，以在控制通货膨胀和促进经济增长之间取得平衡。总之，“亲钱政策”在管理经济健康方面发挥着至关重要的作用。尽管它旨在通过提高借款成本来控制通货膨胀，但也可能对消费者支出和商业投资产生不利影响。中央银行必须明智地应对这些挑战，以确保一个稳定的经济环境，促进增长，同时保持通货膨胀在可控范围内。理解“亲钱政策”的影响对于政策制定者、企业和个人来说都是至关重要的，因为它塑造了我们所处的金融环境。