nominal rate of interest

简明释义

挂牌利率

英英释义

例句

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

银行为储蓄账户提供名义利率为5%。

2.The nominal rate of interest does not account for inflation, which can affect the real return on investment.

名义利率并未考虑通货膨胀，这可能会影响投资的实际回报。

3.Investors should compare the nominal rate of interest offered by different financial institutions.

投资者应该比较不同金融机构提供的名义利率。

4.A higher nominal rate of interest might seem attractive, but always consider the fees involved.

更高的名义利率可能看起来很有吸引力，但要始终考虑相关费用。

5.When considering loans, it's important to look at the nominal rate of interest rather than just the monthly payment.

在考虑贷款时，重要的是查看名义利率而不仅仅是每月付款。

作文

The concept of the nominal rate of interest is fundamental in the field of finance and economics. It refers to the stated interest rate on a loan or investment, without taking into account any inflation or compounding effects. In simpler terms, it is the rate that lenders charge borrowers for the use of money, expressed as a percentage of the principal amount. Understanding the nominal rate of interest is crucial for both individuals and businesses when making financial decisions.When an individual borrows money from a bank, the nominal rate of interest is the rate that determines how much they will pay back over time. For example, if a person takes out a loan of $10,000 at a nominal rate of interest of 5% per year, they will owe $500 in interest after one year, assuming no additional fees or charges are applied. This straightforward calculation illustrates the basic principle of borrowing costs.However, the nominal rate of interest does not provide a complete picture of the cost of borrowing. It does not account for inflation, which erodes the purchasing power of money over time. For instance, if the inflation rate is 3%, the real rate of interest, which reflects the true cost of borrowing, would be only 2%. This is calculated by subtracting the inflation rate from the nominal rate of interest. Therefore, while the nominal rate of interest may seem attractive at first glance, it is essential to consider the impact of inflation to understand the actual cost of borrowing.In the context of investments, the nominal rate of interest plays a similar role. Investors often look for the highest nominal rate of interest when choosing where to place their money. However, just like with loans, the nominal rate of interest on an investment does not reflect the real return. If an investment offers a nominal rate of interest of 6%, but inflation is running at 4%, the real return is only 2%. This highlights the importance of considering both the nominal rate of interest and inflation when evaluating investment opportunities.Furthermore, central banks often manipulate the nominal rate of interest as part of their monetary policy to control economic growth. By lowering the nominal rate of interest, central banks can encourage borrowing and spending, stimulating the economy. Conversely, raising the nominal rate of interest can help to cool down an overheating economy by making borrowing more expensive. This relationship between the nominal rate of interest and economic activity underscores its significance in broader economic contexts.In conclusion, the nominal rate of interest is a key concept in finance that represents the basic cost of borrowing or the return on investment. However, it is vital to remember that this rate does not account for inflation, which can significantly affect the real value of money over time. Both borrowers and investors must consider the nominal rate of interest in conjunction with inflation rates to make informed financial decisions. By doing so, they can better navigate the complexities of the financial landscape and achieve their economic goals.

‘名义利率’这一概念在金融和经济领域中至关重要。它指的是贷款或投资的标示利率，而不考虑任何通货膨胀或复利效应。简单来说，它是贷方向借方收取资金使用费用的利率，以本金金额的百分比表示。理解‘名义利率’对于个人和企业在做出财务决策时至关重要。当个人从银行借款时，‘名义利率’是决定他们随时间支付多少的利率。例如，如果一个人以每年5%的‘名义利率’借出10000美元，那么在一年后，他们将欠500美元的利息，假设没有额外的费用或收费。这一简单的计算说明了借款成本的基本原则。然而，‘名义利率’并不能提供借款成本的完整图景。它没有考虑通货膨胀，通货膨胀会随着时间的推移侵蚀货币的购买力。例如，如果通货膨胀率为3%，那么反映借款真实成本的实际利率仅为2%。这通过用‘名义利率’减去通货膨胀率来计算。因此，尽管‘名义利率’乍看之下可能很有吸引力，但考虑通货膨胀的影响以理解借款的实际成本是至关重要的。在投资的背景下，‘名义利率’起着类似的作用。投资者在选择投资地点时通常会寻找最高的‘名义利率’。然而，就像贷款一样，投资的‘名义利率’并不反映真实回报。如果某项投资提供6%的‘名义利率’，但通货膨胀率为4%，那么实际回报仅为2%。这突显了在评估投资机会时同时考虑‘名义利率’和通货膨胀的重要性。此外，中央银行通常会操纵‘名义利率’作为其货币政策的一部分，以控制经济增长。通过降低‘名义利率’，中央银行可以鼓励借贷和消费，从而刺激经济。相反，提高‘名义利率’可以帮助冷却过热的经济，因为这会使借贷变得更加昂贵。这种‘名义利率’与经济活动之间的关系突显了它在更广泛经济背景中的重要性。总之，‘名义利率’是金融中的一个关键概念，代表了借款或投资回报的基本成本。然而，必须记住，这一利率并未考虑通货膨胀，通货膨胀可能会显著影响货币的实际价值。借款人和投资者必须将‘名义利率’与通货膨胀率结合考虑，以做出明智的财务决策。通过这样做，他们可以更好地驾驭复杂的金融环境，实现他们的经济目标。