official discount rate

简明释义

官定贴现率

英英释义

例句

1.An increase in the official discount rate (官方贴现率) can lead to higher loan costs for consumers.

提高官方贴现率（官方贴现率）可能导致消费者贷款成本上升。

2.The central bank announced a change in the official discount rate (官方贴现率) to stimulate economic growth.

中央银行宣布调整官方贴现率（官方贴现率）以刺激经济增长。

3.Investors often react to changes in the official discount rate (官方贴现率) when making investment decisions.

投资者在做出投资决策时，通常会对官方贴现率（官方贴现率）的变化作出反应。

4.The official discount rate (官方贴现率) is a crucial tool for the central bank's monetary policy.

官方贴现率（官方贴现率）是中央银行货币政策的重要工具。

5.Businesses often monitor the official discount rate (官方贴现率) to make informed borrowing decisions.

企业通常会关注官方贴现率（官方贴现率）以做出明智的借贷决策。

作文

The concept of the official discount rate is a fundamental aspect of monetary policy and economic regulation. It refers to the interest rate set by a country's central bank for lending funds to commercial banks. This rate is crucial because it influences the overall money supply, credit availability, and economic activity within the country. When the official discount rate is low, borrowing becomes cheaper, encouraging businesses and consumers to take loans for investment and spending. Conversely, a high official discount rate can slow down economic activity by making loans more expensive, thereby reducing consumer spending and business investments.Central banks often adjust the official discount rate in response to changing economic conditions. For instance, during periods of economic slowdown or recession, a central bank may lower the official discount rate to stimulate growth. This action makes it easier for banks to borrow money, which in turn allows them to offer more loans to individuals and businesses. As a result, increased borrowing can lead to higher consumer spending and investment, ultimately helping to revive the economy.On the other hand, if the economy is growing too quickly and inflation is becoming a concern, a central bank might raise the official discount rate. By doing so, it makes borrowing more expensive, which can help cool down an overheated economy. Higher interest rates generally lead to reduced consumer spending and business investments, which can help stabilize prices and control inflation.The relationship between the official discount rate and the broader economy is complex and multifaceted. It is important to understand that changes to this rate do not have immediate effects; rather, they influence economic activity over time. Financial institutions and markets closely monitor the official discount rate as it serves as a signal of the central bank's monetary policy stance. Investors, businesses, and economists analyze these changes to make informed decisions about lending, investing, and spending.In conclusion, the official discount rate plays a critical role in shaping monetary policy and influencing economic conditions. Understanding its implications can help individuals and businesses navigate the complexities of the financial landscape. By being aware of how the official discount rate affects borrowing costs and economic activity, stakeholders can make better decisions that align with their financial goals. As such, the official discount rate is not just a number; it is a powerful tool used by central banks to steer the economy towards stability and growth.

“官方贴现率”这一概念是货币政策和经济调控的基本方面。它指的是一个国家中央银行对商业银行贷款资金所设定的利率。这个利率至关重要，因为它影响着整个货币供应、信贷可用性和国内经济活动。当“官方贴现率”较低时，借款变得更便宜，鼓励企业和消费者申请贷款进行投资和消费。相反，高“官方贴现率”可能通过使贷款变得更昂贵而减缓经济活动，从而减少消费者支出和商业投资。中央银行通常会根据经济状况的变化来调整“官方贴现率”。例如，在经济放缓或衰退时期，中央银行可能会降低“官方贴现率”以刺激增长。这一举措使银行借款变得更加容易，从而让它们能够向个人和企业提供更多贷款。结果，增加的借款会导致消费者支出和投资的增加，最终帮助复苏经济。另一方面，如果经济增长过快且通货膨胀开始成为问题，中央银行可能会提高“官方贴现率”。通过这样做，它使借款变得更加昂贵，这有助于冷却过热的经济。较高的利率通常会导致消费者支出和商业投资的减少，这可以帮助稳定价格并控制通胀。“官方贴现率”和更广泛经济之间的关系是复杂而多面的。理解这一点很重要，因为对这一利率的变化不会立即产生影响；相反，它们会随着时间的推移影响经济活动。金融机构和市场密切关注“官方贴现率”，因为它作为中央银行货币政策立场的信号。投资者、企业和经济学家分析这些变化，以便做出有关借贷、投资和消费的明智决策。总之，“官方贴现率”在塑造货币政策和影响经济条件方面发挥着关键作用。理解其含义可以帮助个人和企业驾驭复杂的金融环境。通过了解“官方贴现率”如何影响借款成本和经济活动，利益相关者可以做出更符合其财务目标的决策。因此，“官方贴现率”不仅仅是一个数字；它是中央银行用来引导经济走向稳定和增长的强大工具。