nominal rate of interest

简明释义

挂名利率

英英释义

例句

1.Investors often look for bonds that offer a higher nominal rate of interest to maximize their returns.

投资者通常寻找提供更高名义利率的债券，以最大化他们的回报。

2.When calculating the future value of an investment, consider the nominal rate of interest before taxes.

在计算投资的未来价值时，请考虑税前的名义利率。

3.Inflation can erode the purchasing power of your savings, even if the nominal rate of interest seems high.

即使名义利率看起来很高，通货膨胀也会侵蚀你的储蓄购买力。

4.The bank offers a nominal rate of interest of 5% on savings accounts.

银行为储蓄账户提供了5%的名义利率。

5.The nominal rate of interest does not account for fees that may reduce overall returns.

名义利率不考虑可能减少整体回报的费用。

作文

Understanding the concept of the nominal rate of interest is essential for anyone looking to navigate the world of finance and investment. The nominal rate of interest refers to the interest rate before taking inflation into account. It is the stated interest rate on a loan or financial product, which does not reflect the real purchasing power of money over time. This distinction is crucial because it affects how individuals and businesses plan their finances and make investment decisions.When you take out a loan or invest in a savings account, the bank or financial institution will often advertise a nominal rate of interest. For example, if a bank offers a savings account with a nominal rate of interest of 3%, it means that for every $100 deposited, the account holder will earn $3 in interest over a year, assuming no withdrawals are made. However, this figure does not account for inflation, which can erode the actual value of the interest earned.To illustrate this further, let’s consider a scenario where the inflation rate is 2% per year. If you have a nominal rate of interest of 3% on your savings account, the real interest rate, which reflects the purchasing power of your money, would only be 1% (3% - 2% = 1%). This means that while your account balance is growing, the actual buying power of that money is increasing at a slower rate due to inflation.Investors must also be aware of the implications of the nominal rate of interest when making investment choices. For instance, if an investor is considering purchasing bonds, they might see a bond that offers a nominal rate of interest of 5%. At first glance, this seems attractive; however, if inflation is projected to be around 4%, the real return on that bond would only be 1%. Therefore, understanding the relationship between the nominal rate of interest and inflation is vital for making informed investment decisions.Additionally, the nominal rate of interest plays a significant role in monetary policy. Central banks, such as the Federal Reserve in the United States, adjust the nominal rate of interest to influence economic activity. By raising or lowering interest rates, they can either encourage borrowing and spending during economic downturns or cool off an overheating economy by making borrowing more expensive. This demonstrates how the nominal rate of interest is not just a number but a tool that can impact the broader economy.In conclusion, the nominal rate of interest is a fundamental concept in finance that affects both individual financial planning and broader economic policies. It is important to remember that while a higher nominal rate of interest may seem beneficial, one must always consider the effects of inflation to understand the true value of money over time. By grasping the significance of the nominal rate of interest, individuals and businesses can make better financial decisions and adapt to the ever-changing economic landscape.

理解名义利率的概念对于任何希望在金融和投资领域中导航的人来说都是至关重要的。名义利率是指在未考虑通货膨胀的情况下的利率。它是贷款或金融产品上所列的利率，并不反映随着时间推移货币的实际购买力。这一区别至关重要，因为它影响个人和企业如何规划财务和做出投资决策。当你申请贷款或投资于储蓄账户时，银行或金融机构通常会宣传一个名义利率。例如，如果一家银行提供的储蓄账户的名义利率为3%，这意味着每存入100美元，账户持有人在一年内将获得3美元的利息，假设没有提款。然而，这个数字并没有考虑到通货膨胀，这可能会侵蚀实际赚取的利息价值。为了进一步说明这一点，假设通货膨胀率为每年2%。如果你的储蓄账户的名义利率为3%，那么反映货币购买力的实际利率仅为1%（3%-2%=1%）。这意味着虽然你的账户余额在增长，但这些钱的实际购买力由于通货膨胀而以较慢的速度增加。投资者在做出投资选择时也必须意识到名义利率的影响。例如，如果一位投资者考虑购买债券，他们可能会看到一只债券提供5%的名义利率。乍一看，这似乎很有吸引力；然而，如果预计通货膨胀率约为4%，那么该债券的实际回报率仅为1%。因此，理解名义利率与通货膨胀之间的关系对于做出明智的投资决策至关重要。此外，名义利率在货币政策中也扮演着重要角色。中央银行，例如美国的联邦储备委员会，通过调整名义利率来影响经济活动。通过提高或降低利率，他们可以在经济衰退期间鼓励借贷和消费，或者通过提高借贷成本来冷却过热的经济。这表明，名义利率不仅仅是一个数字，而是可以影响更广泛经济的工具。总之，名义利率是金融中的一个基本概念，影响个人财务规划和更广泛的经济政策。重要的是要记住，虽然较高的名义利率似乎是有利的，但必须始终考虑通货膨胀的影响，以理解货币随时间的真实价值。通过掌握名义利率的重要性，个人和企业可以做出更好的财务决策，并适应不断变化的经济环境。