base interest rate

简明释义

基础利率

英英释义

例句

1.The bank decided to lower the base interest rate to stimulate economic growth.

银行决定降低基准利率以刺激经济增长。

2.Investors closely watch changes in the base interest rate for signs of economic health.

投资者密切关注基准利率的变化，以寻找经济健康的迹象。

3.When the base interest rate increases, borrowing costs for consumers also rise.

当基准利率上升时，消费者的借款成本也会上升。

4.The central bank announced a new base interest rate after its quarterly meeting.

中央银行在季度会议后宣布了新的基准利率。

5.Many loans are tied to the base interest rate, affecting monthly payments.

许多贷款与基准利率挂钩，影响每月还款。

作文

The concept of the base interest rate is fundamental to understanding how economies operate. It serves as a benchmark for various types of loans and investments, influencing the financial decisions of individuals and businesses alike. The base interest rate is set by central banks, such as the Federal Reserve in the United States, and it reflects the cost of borrowing money. When the base interest rate is low, borrowing becomes cheaper, encouraging spending and investment. Conversely, when the base interest rate rises, borrowing costs increase, which can slow down economic activity.To illustrate the impact of the base interest rate, consider a small business owner who wants to expand their operations. If the base interest rate is low, the owner can secure a loan at a favorable rate, allowing them to invest in new equipment or hire additional staff. This not only helps the business grow but also contributes to job creation and economic development in the community. On the other hand, if the base interest rate is high, the cost of borrowing may deter the owner from pursuing expansion, leading to stagnation.Moreover, the base interest rate also affects consumers directly. For instance, when individuals take out mortgages or car loans, the rates they receive are often tied to the base interest rate. A lower base interest rate means that monthly payments will be more manageable, making it easier for families to afford homes or vehicles. This can lead to increased consumer confidence and spending, which is essential for economic growth.However, the relationship between the base interest rate and economic activity is not always straightforward. While lower rates can stimulate growth, they can also lead to inflation if too much money enters the economy too quickly. Central banks must carefully monitor economic indicators to adjust the base interest rate accordingly. For example, if inflation begins to rise significantly, a central bank may decide to increase the base interest rate to cool down the economy and stabilize prices.In addition, global events can influence the base interest rate. Economic crises, geopolitical tensions, and changes in trade policies can all affect a country’s economic outlook, prompting central banks to revise their strategies. For instance, during the COVID-19 pandemic, many central banks around the world lowered their base interest rates to support struggling economies, demonstrating how interconnected global economies can be.In conclusion, the base interest rate is a critical component of modern economic theory and practice. It influences everything from business investments to consumer spending, shaping the overall health of an economy. Understanding the implications of the base interest rate can empower individuals and businesses to make informed financial decisions. As we continue to navigate an ever-changing economic landscape, keeping an eye on the base interest rate will remain essential for anyone looking to understand the broader economic picture.

“基准利率”的概念是理解经济运作的基础。它作为各种贷款和投资的基准，影响着个人和企业的财务决策。“基准利率”由中央银行设定，例如美国的联邦储备系统，它反映了借款的成本。当“基准利率”较低时，借款变得更便宜，鼓励消费和投资。相反，当“基准利率”上升时，借款成本增加，这可能会减缓经济活动。为了说明“基准利率”的影响，考虑一个想要扩展业务的小企业主。如果“基准利率”较低，企业主可以以有利的利率获得贷款，使他们能够投资新设备或雇用额外员工。这不仅有助于企业增长，还促进了社区的就业创造和经济发展。另一方面，如果“基准利率”较高，借款的成本可能会阻止企业主追求扩张，导致停滞。此外，“基准利率”也直接影响消费者。例如，当个人申请抵押贷款或汽车贷款时，他们所获得的利率通常与“基准利率”挂钩。较低的“基准利率”意味着每月还款将更易于管理，使家庭更容易负担得起住房或车辆。这可以提高消费者信心和支出，这对经济增长至关重要。然而，“基准利率”与经济活动之间的关系并不总是简单明了。虽然较低的利率可以刺激增长，但如果过多资金过快流入经济，也可能导致通货膨胀。中央银行必须仔细监测经济指标，以相应调整“基准利率”。例如，如果通货膨胀开始显著上升，中央银行可能决定提高“基准利率”，以冷却经济并稳定价格。此外，全球事件也可以影响“基准利率”。经济危机、地缘政治紧张局势和贸易政策的变化都可能影响一个国家的经济前景，促使中央银行修订其策略。例如，在COVID-19大流行期间，世界各地的许多中央银行降低了“基准利率”，以支持陷入困境的经济，展示了全球经济的相互关联性。总之，“基准利率”是现代经济理论和实践的关键组成部分。它影响从商业投资到消费者支出的一切，塑造整体经济健康。理解“基准利率”的影响可以使个人和企业做出明智的财务决策。在继续应对不断变化的经济格局时，关注“基准利率”将仍然是任何希望理解更广泛经济图景的人的重要内容。