officially-set interest rates

简明释义

官定利率

英英释义

例句

1.The central bank announced changes to the officially-set interest rates, which will affect borrowing costs for consumers.

中央银行宣布了对官方设定的利率的调整，这将影响消费者的借款成本。

2.Investors closely monitor the officially-set interest rates to make informed decisions about their portfolios.

投资者密切关注官方设定的利率，以便对他们的投资组合做出明智的决策。

3.The government aims to stabilize the economy by adjusting the officially-set interest rates during periods of inflation.

政府旨在通过在通货膨胀期间调整官方设定的利率来稳定经济。

4.Changes in the officially-set interest rates can lead to fluctuations in the stock market.

对官方设定的利率的变化可能导致股市波动。

5.Homebuyers are often affected by the officially-set interest rates when applying for mortgages.

购房者在申请抵押贷款时通常会受到官方设定的利率的影响。

作文

In today's global economy, understanding the concept of officially-set interest rates is crucial for both individuals and businesses. These rates are determined by a country's central bank and play a significant role in influencing economic activity. Essentially, officially-set interest rates (官方设定利率) represent the cost of borrowing money or the return on savings, impacting everything from consumer spending to business investment decisions.Central banks, such as the Federal Reserve in the United States or the European Central Bank in the Eurozone, adjust these rates based on various economic indicators. For instance, during periods of economic growth, central banks may increase officially-set interest rates (官方设定利率) to prevent inflation from rising too quickly. Conversely, in times of economic downturn, they might lower these rates to encourage borrowing and stimulate spending.The impact of officially-set interest rates (官方设定利率) extends beyond just the banking sector. For consumers, higher interest rates can mean increased costs for loans, mortgages, and credit cards, which may lead to reduced spending. On the other hand, lower rates can make borrowing cheaper, potentially leading to more significant expenditures on homes, cars, and other goods. For businesses, officially-set interest rates (官方设定利率) affect their cost of capital. When rates are low, companies are more likely to take out loans to invest in expansion, research, and development. This can drive innovation and job creation. However, when rates rise, businesses may pull back on investments, leading to slower economic growth.Moreover, officially-set interest rates (官方设定利率) also influence foreign exchange rates. A country with higher interest rates may attract foreign investment, leading to an appreciation of its currency. This can have a ripple effect on international trade, making exports more expensive and imports cheaper. Therefore, understanding how officially-set interest rates (官方设定利率) function is vital for anyone involved in international business or finance.In conclusion, the significance of officially-set interest rates (官方设定利率) cannot be overstated. They are a key tool used by central banks to manage economic stability and growth. As such, individuals and businesses alike must pay close attention to changes in these rates, as they directly affect financial decisions and overall economic health. Whether you are considering taking out a loan, investing in a business, or simply saving for the future, an understanding of officially-set interest rates (官方设定利率) will empower you to make informed choices in an ever-changing economic landscape.

在当今全球经济中，理解官方设定利率的概念对个人和企业都至关重要。这些利率由国家中央银行决定，在影响经济活动方面发挥着重要作用。基本上，官方设定利率代表了借款的成本或储蓄的回报，影响着从消费者支出到商业投资决策的方方面面。中央银行，例如美国的联邦储备委员会或欧元区的欧洲中央银行，会根据各种经济指标调整这些利率。例如，在经济增长时期，中央银行可能会提高官方设定利率以防止通货膨胀过快上升。相反，在经济衰退时期，他们可能会降低这些利率以鼓励借款和刺激消费。官方设定利率的影响不仅限于银行部门。对于消费者而言，较高的利率可能意味着贷款、抵押贷款和信用卡的成本增加，这可能导致支出减少。另一方面，较低的利率可以使借款变得更便宜，从而可能导致在住房、汽车和其他商品上的支出增加。对于企业而言，官方设定利率影响其资本成本。当利率较低时，公司更有可能借款进行扩展、研究和开发。这可以推动创新和创造就业机会。然而，当利率上升时，企业可能会缩减投资，从而导致经济增长放缓。此外，官方设定利率还会影响外汇汇率。拥有较高利率的国家可能会吸引外国投资，从而导致其货币升值。这可能对国际贸易产生连锁反应，使出口变得更昂贵，而进口则变得更便宜。因此，理解官方设定利率的运作方式对任何参与国际商业或金融的人来说都是至关重要的。总之，官方设定利率的重要性不可低估。它们是中央银行管理经济稳定和增长的关键工具。因此，个人和企业必须密切关注这些利率的变化，因为它们直接影响财务决策和整体经济健康。无论您是在考虑贷款、投资于企业，还是单纯为未来储蓄，理解官方设定利率将使您能够在不断变化的经济环境中做出明智的选择。