bank rate of discount

简明释义

公定贴现利率

英英释义

例句

1.Investors are closely monitoring changes in the bank rate of discount as it affects borrowing costs.

投资者密切关注贴现率的变化，因为这会影响借款成本。

2.When the bank rate of discount rises, it can lead to higher interest rates for consumers.

当贴现率上升时，可能会导致消费者的利率提高。

3.The central bank decided to lower the bank rate of discount to stimulate economic growth.

中央银行决定降低贴现率以刺激经济增长。

4.A decrease in the bank rate of discount usually leads to increased lending by commercial banks.

一般来说，贴现率的下降通常会导致商业银行增加放贷。

5.The bank rate of discount is a key tool used by the central bank to control inflation.

贴现率是中央银行控制通货膨胀的重要工具。

作文

The concept of the bank rate of discount is fundamental in understanding how financial institutions operate and influence the economy. The bank rate of discount refers to the interest rate charged by a central bank on loans extended to commercial banks. This rate plays a crucial role in monetary policy and helps regulate the money supply in the economy. When the central bank adjusts the bank rate of discount, it impacts the rates that commercial banks charge their customers, which in turn affects consumer spending and investment. Understanding the implications of the bank rate of discount requires a look at its broader economic context. For instance, when the bank rate of discount is lowered, borrowing becomes cheaper for banks. They, in turn, pass on these lower rates to businesses and consumers, encouraging more borrowing and spending. This can stimulate economic growth, as businesses invest in expansion and consumers make larger purchases. Conversely, if the bank rate of discount is increased, borrowing costs rise, leading to reduced spending and investment. This can help cool an overheating economy and control inflation.Moreover, the bank rate of discount serves as a signal to the market about the central bank's stance on economic conditions. A decrease in the rate might indicate that the central bank is trying to encourage growth in a sluggish economy, while an increase could signal concerns about inflation or an overheating economy. Investors and analysts closely monitor changes in the bank rate of discount to adjust their strategies accordingly.In practice, the bank rate of discount also affects various financial products available to consumers. For example, mortgage rates, personal loans, and credit card interest rates are often linked to the central bank's rate. Thus, when the bank rate of discount changes, it can have a direct impact on individuals' financial decisions, such as whether to buy a home or take out a loan.Furthermore, the bank rate of discount is not just a tool for managing inflation and economic growth; it also plays a significant role in maintaining the stability of the banking system. By adjusting this rate, central banks can influence liquidity in the financial system. During times of financial distress, lowering the bank rate of discount can provide banks with easier access to funds, helping to stabilize the banking sector and prevent crises.In conclusion, the bank rate of discount is a critical element in the framework of monetary policy. Its adjustments have far-reaching effects on the economy, influencing everything from consumer behavior to the stability of financial institutions. Understanding the bank rate of discount allows individuals and businesses to make informed financial decisions and adapt to changing economic conditions. As we navigate through varying economic climates, the importance of grasping concepts like the bank rate of discount cannot be overstated, as it equips us with the knowledge to respond effectively to the financial landscape.

“贴现银行利率”的概念在理解金融机构如何运作以及如何影响经济方面是基础性的。“贴现银行利率”指的是中央银行向商业银行提供贷款时收取的利率。这个利率在货币政策中起着至关重要的作用，有助于调节经济中的货币供应。当中央银行调整“贴现银行利率”时，它会影响商业银行向客户收取的利率，从而影响消费者支出和投资。理解“贴现银行利率”的含义需要看其更广泛的经济背景。例如，当“贴现银行利率”降低时，银行的借款成本变得更便宜。它们又将这些更低的利率传递给企业和消费者，鼓励更多的借款和支出。这可以刺激经济增长，因为企业投资于扩张，消费者进行更大额的购买。相反，如果“贴现银行利率”上升，借款成本增加，支出和投资减少。这可以帮助降温过热的经济并控制通货膨胀。此外，“贴现银行利率”也是市场对中央银行经济状况态度的信号。利率的降低可能表明中央银行试图在疲软的经济中促进增长，而利率的提高可能表明对通货膨胀或经济过热的担忧。投资者和分析师密切关注“贴现银行利率”的变化，以相应调整他们的策略。在实践中，“贴现银行利率”还影响消费者可获得的各种金融产品。例如，抵押贷款利率、个人贷款和信用卡利率通常与中央银行的利率挂钩。因此，当“贴现银行利率”发生变化时，它可以直接影响个人的财务决策，例如是否购买房屋或申请贷款。此外，“贴现银行利率”不仅是管理通货膨胀和经济增长的工具；它在维护银行系统的稳定方面也发挥着重要作用。通过调整这一利率，中央银行可以影响金融系统的流动性。在金融危机时期，降低“贴现银行利率”可以为银行提供更容易获得资金的机会，帮助稳定银行部门，防止危机。总之，“贴现银行利率”是货币政策框架中的关键要素。其调整对经济产生深远影响，影响从消费者行为到金融机构的稳定等各个方面。理解“贴现银行利率”使个人和企业能够做出明智的财务决策，并适应不断变化的经济条件。在我们应对不同经济气候的过程中，掌握像“贴现银行利率”这样的概念的重要性不容小觑，因为它使我们具备了有效应对金融环境的知识。