base rate; prime rate; primary interest

简明释义

基本利率

英英释义

例句

1.Investors often watch the primary interest rates set by the Federal Reserve for signs of economic health.

投资者通常关注美联储设定的主要利率以判断经济健康状况。

2.The central bank decided to lower the base rate to stimulate economic growth.

中央银行决定降低基准利率以刺激经济增长。

3.A decrease in the base rate can lead to lower mortgage rates for homebuyers.

降低基准利率可能会导致购房者的抵押贷款利率下降。

4.Many banks offer loans at a rate above the prime rate for borrowers with lower credit scores.

许多银行对信用评分较低的借款人提供高于优先利率的贷款利率。

5.The prime rate is often used as a benchmark for determining interest rates on various loans.

优先利率通常用作确定各种贷款利率的基准。

作文

Understanding financial terminology is crucial for anyone looking to navigate the world of banking and investment. Among the various terms that one encounters, the concepts of base rate (基准利率), prime rate (优先利率), and primary interest (主要利息) stand out as fundamental elements in the realm of finance. These terms are interconnected and play a significant role in determining the cost of borrowing and the return on investments.The base rate is the minimum interest rate set by a central bank, which influences the rates that commercial banks charge their customers. This rate acts as a benchmark for various loans and savings products. For instance, when the central bank decides to lower the base rate, it often leads to reduced interest rates for mortgages, personal loans, and other forms of credit. Conversely, an increase in the base rate can lead to higher borrowing costs for consumers and businesses alike.Next, we have the prime rate, which is typically offered to the most creditworthy customers by banks. It is usually set at a certain percentage above the base rate. The prime rate serves as a key indicator of the general health of the economy; when the prime rate rises, it indicates that banks are expecting higher inflation or increased demand for credit. Borrowers with good credit ratings often receive loans at the prime rate, making it an essential term for anyone considering taking out a loan.Lastly, the term primary interest refers to the main focus or concern regarding interest rates in a given context. This could relate to the interest that investors expect to earn on their investments or the rates that borrowers are primarily concerned with when taking out loans. Understanding primary interest helps individuals and businesses make informed decisions about where to invest and how much they will pay for borrowed funds.In summary, the interplay between the base rate, prime rate, and primary interest is vital for understanding the financial landscape. Changes in the base rate set the tone for the prime rate, which in turn affects the primary interest of borrowers and investors. By grasping these concepts, individuals can better prepare themselves for financial decisions that impact their lives. Whether it's deciding to take out a mortgage, invest in stocks, or save for retirement, being well-versed in these terms will empower consumers to navigate their financial futures with confidence.

理解金融术语对于任何想要在银行和投资领域中游刃有余的人来说都是至关重要的。在遇到的各种术语中，基准利率、优先利率和主要利息等概念作为金融领域的基本元素脱颖而出。这些术语相互关联，在确定借款成本和投资回报方面发挥着重要作用。基准利率是中央银行设定的最低利率，影响商业银行向客户收取的利率。这个利率作为各种贷款和储蓄产品的基准。例如，当中央银行决定降低基准利率时，通常会导致抵押贷款、个人贷款和其他形式信用的利率降低。相反，基准利率的上升可能会导致消费者和企业的借款成本增加。接下来是优先利率，通常由银行提供给最有信用的客户。它通常设定在基准利率之上一定的百分比。优先利率作为经济整体健康状况的关键指标；当优先利率上升时，这表明银行预期通货膨胀加剧或对信贷的需求增加。信誉良好的借款人通常以优先利率获得贷款，因此这是任何考虑贷款的人必须了解的一个重要术语。最后，主要利息一词指的是在特定情境下与利率相关的主要关注点或问题。这可能与投资者期望在其投资中赚取的利息有关，或与借款人在申请贷款时主要关注的利率有关。理解主要利息帮助个人和企业做出明智的投资决策以及了解他们将支付多少借款资金的利率。总之，基准利率、优先利率和主要利息之间的相互作用对于理解金融环境至关重要。基准利率的变化为优先利率定下了基调，而这又影响了借款人和投资者的主要利息。通过掌握这些概念，个人可以更好地为影响其生活的财务决策做好准备。无论是决定申请抵押贷款、投资股票还是为退休储蓄，熟悉这些术语将使消费者能够自信地应对他们的财务未来。