prime rate

简明释义

基础利息率

英英释义

例句

1.Investors keep an eye on changes in the prime rate 基准利率 to gauge economic health.

投资者关注基准利率 prime rate的变化，以评估经济健康状况。

2.Home equity lines of credit often use the prime rate 基准利率 as a reference point.

房屋净值信用额度通常以基准利率 prime rate作为参考点。

3.Many loans are tied to the prime rate 基准利率, which affects borrowing costs.

许多贷款与基准利率 prime rate挂钩，这会影响借款成本。

4.The bank announced that the prime rate 基准利率 would remain unchanged for the next quarter.

银行宣布，基准利率 prime rate将在下个季度保持不变。

5.When the economy is strong, the prime rate 基准利率 typically rises.

当经济强劲时，基准利率 prime rate通常会上升。

作文

The concept of the prime rate is crucial for understanding how interest rates operate in the financial world. The prime rate, which is often referred to as the benchmark interest rate, is the interest rate that commercial banks charge their most creditworthy customers. This rate serves as a foundation for various loans and credit products offered by banks, including personal loans, mortgages, and business loans. Understanding the prime rate can help individuals and businesses make informed financial decisions.Historically, the prime rate is influenced by the federal funds rate set by the central bank. When the central bank adjusts this rate, the prime rate typically follows suit. For example, if the central bank lowers the federal funds rate to stimulate economic growth, the prime rate usually decreases as well. Conversely, when the economy is overheating, the central bank may raise the federal funds rate to curb inflation, leading to an increase in the prime rate.The significance of the prime rate extends beyond just being a number; it impacts the overall economy. A lower prime rate encourages borrowing and spending, which can lead to economic growth. When consumers and businesses take out loans at lower interest rates, they are more likely to invest in new projects, purchase homes, and spend money on goods and services. This increased activity can create jobs and stimulate further economic expansion.On the other hand, a high prime rate can have the opposite effect. When borrowing costs rise, consumers and businesses may hesitate to take on new debt. This reluctance can slow down spending and investment, potentially leading to an economic slowdown. Therefore, monitoring changes in the prime rate can provide valuable insights into the health of the economy.For individuals, understanding the prime rate is essential when considering taking out loans. Many financial products, such as variable-rate loans, are tied directly to the prime rate. If someone is contemplating a home mortgage or a business loan, knowing the current prime rate can help them gauge whether it is a good time to borrow. Additionally, borrowers should be aware that if the prime rate rises, their loan payments could increase if they have a variable interest rate.In conclusion, the prime rate plays a vital role in the financial landscape. It influences borrowing costs, affects consumer behavior, and serves as a key indicator of economic conditions. By understanding the prime rate, individuals and businesses can make better financial decisions and navigate the complexities of the economy more effectively. As economic conditions change, staying informed about the prime rate can empower people to seize opportunities and mitigate risks in their financial lives.

“基准利率”的概念对于理解金融世界中利率的运作至关重要。“基准利率”，通常被称为基准利率，是商业银行向其最具信用的客户收取的利率。这个利率为银行提供的各种贷款和信用产品奠定了基础，包括个人贷款、抵押贷款和商业贷款。理解“基准利率”可以帮助个人和企业做出明智的财务决策。历史上，“基准利率”受到中央银行设定的联邦基金利率的影响。当中央银行调整这一利率时，“基准利率”通常也会随之变化。例如，如果中央银行降低联邦基金利率以刺激经济增长，“基准利率”通常也会下降。相反，当经济过热时，中央银行可能会提高联邦基金利率以遏制通货膨胀，从而导致“基准利率”的上升。“基准利率”的重要性不仅仅是一个数字；它影响着整体经济。较低的“基准利率”鼓励借贷和消费，这可能导致经济增长。当消费者和企业以较低的利率贷款时，他们更有可能投资新项目、购买房屋以及在商品和服务上花费资金。这种增加的活动可以创造就业机会并进一步刺激经济扩张。另一方面，高“基准利率”可能会产生相反的效果。当借款成本上升时，消费者和企业可能会犹豫不决，不愿承担新债务。这种犹豫可能会减缓消费和投资，从而可能导致经济放缓。因此，监测“基准利率”的变化可以提供对经济健康状况的宝贵见解。对于个人而言，理解“基准利率”在考虑贷款时至关重要。许多金融产品，例如浮动利率贷款，直接与“基准利率”挂钩。如果某人正在考虑房屋抵押贷款或商业贷款，了解当前的“基准利率”可以帮助他们判断是否是一个良好的借款时机。此外，借款人还应意识到，如果“基准利率”上升，如果他们的利率是浮动的，贷款支付可能会增加。总之，“基准利率”在金融领域中发挥着重要作用。它影响借款成本，影响消费者行为，并作为经济状况的关键指标。通过理解“基准利率”，个人和企业可以做出更好的财务决策，更有效地应对经济的复杂性。随着经济条件的变化，保持对“基准利率”的关注可以使人们能够抓住机会，降低财务生活中的风险。