bank rate

简明释义

公定利率

英英释义

例句

1.Many analysts believe that a decrease in the bank rate could stimulate economic growth.

许多分析师认为，降低银行利率可能会刺激经济增长。

2.Investors closely watch changes in the bank rate as it affects stock market performance.

投资者密切关注银行利率的变化，因为它会影响股市表现。

3.The central bank has decided to increase the bank rate, which will lead to higher borrowing costs for consumers.

中央银行决定提高银行利率，这将导致消费者的借款成本上升。

4.The bank rate is a key factor influencing mortgage interest rates.

银行利率是影响抵押贷款利率的一个关键因素。

5.When the bank rate is low, it encourages businesses to take out loans for expansion.

当银行利率较低时，它鼓励企业贷款以进行扩张。

作文

The term bank rate refers to the interest rate set by a country's central bank for lending to commercial banks. This rate plays a crucial role in determining the overall economic climate and influences various financial activities within the country. Understanding the bank rate is essential for both consumers and businesses, as it affects borrowing costs, savings rates, and ultimately, economic growth.When the central bank adjusts the bank rate, it sends a signal to the market about the state of the economy. For instance, if the economy is slowing down, the central bank may lower the bank rate to encourage borrowing and spending. Lower interest rates make loans cheaper, which can stimulate consumer spending and business investments. On the other hand, if inflation is rising, the central bank might increase the bank rate to cool down the economy by making borrowing more expensive.The impact of the bank rate extends beyond just interest rates on loans. It also influences the rates that consumers see on their savings accounts. When the bank rate is high, banks often offer better returns on savings to attract deposits. Conversely, when the rate is low, the returns on savings accounts tend to diminish, which can discourage saving among consumers.Moreover, the bank rate is a key tool in monetary policy, used by central banks to control money supply and achieve macroeconomic objectives such as controlling inflation and stabilizing the currency. For example, during periods of economic uncertainty or recession, central banks may lower the bank rate to boost liquidity in the economy. This action can help to prevent a deeper economic downturn by encouraging lending and investment.In addition to its domestic implications, the bank rate can also affect international trade and investment. A higher bank rate may attract foreign investors looking for better returns on their investments, leading to an influx of foreign capital. This can strengthen the national currency, making exports more expensive and imports cheaper. Conversely, a lower bank rate might deter foreign investment and lead to a depreciation of the currency, impacting the balance of trade.For individuals, understanding the bank rate is vital for making informed financial decisions. For instance, when considering a mortgage, prospective homeowners should keep an eye on changes in the bank rate, as fluctuations can significantly affect monthly payments. Similarly, savers should be aware of how the bank rate impacts the interest they earn on their deposits.In conclusion, the bank rate is a fundamental component of a country’s economic framework. It influences borrowing and saving behaviors, guides monetary policy, and affects both domestic and international financial landscapes. By comprehending the significance of the bank rate, individuals and businesses can better navigate the complexities of the economy and make more strategic financial choices.

银行利率是指一个国家的中央银行向商业银行贷款时设定的利率。这个利率在确定整体经济气候方面起着至关重要的作用，并影响着国内的各种金融活动。理解银行利率对于消费者和企业来说都是必不可少的，因为它影响着借贷成本、储蓄利率，最终影响经济增长。当中央银行调整银行利率时，它向市场发出关于经济状态的信号。例如，如果经济放缓，中央银行可能会降低银行利率以鼓励借贷和消费。较低的利率使贷款变得更便宜，这可以刺激消费者支出和企业投资。相反，如果通货膨胀上升，中央银行可能会提高银行利率以通过提高借贷成本来冷却经济。银行利率的影响不仅仅局限于贷款的利率。它还影响消费者在储蓄账户上看到的利率。当银行利率较高时，银行通常会提供更好的储蓄回报以吸引存款。相反，当利率较低时，储蓄账户的回报往往会减少，这可能会抑制消费者的储蓄。此外，银行利率是货币政策中的关键工具，中央银行利用其控制货币供应量，实现宏观经济目标，比如控制通货膨胀和稳定货币。例如，在经济不确定或衰退期间，中央银行可能会降低银行利率以增加经济中的流动性。这一举措可以通过鼓励借贷和投资来帮助防止更深层次的经济下滑。除了国内影响外，银行利率还可以影响国际贸易和投资。较高的银行利率可能吸引寻找更好回报的外国投资者，从而导致外资流入。这可能会增强国家货币，使出口更昂贵而进口更便宜。相反，较低的银行利率可能会阻碍外国投资，并导致货币贬值，从而影响贸易平衡。对于个人来说，理解银行利率对于做出明智的财务决策至关重要。例如，在考虑抵押贷款时，潜在的房主应该关注银行利率的变化，因为波动可能会显著影响每月还款。同样，储户也应该意识到银行利率如何影响他们存款的利息。总之，银行利率是一个国家经济框架的重要组成部分。它影响借贷和储蓄行为，指导货币政策，并影响国内外的金融格局。通过理解银行利率的重要性，个人和企业可以更好地应对经济的复杂性，并做出更具战略性的财务选择。