rate cutting

简明释义

减低运费或保险费

英英释义

例句

1.The central bank's decision on rate cutting will be closely watched by the markets.

中央银行关于降息的决定将受到市场的密切关注。

2.Investors are concerned that rate cutting might lead to inflation.

投资者担心降息可能会导致通货膨胀。

3.The government implemented rate cutting measures to stimulate consumer spending.

政府实施了降息措施，以刺激消费者支出。

4.The bank announced a new policy of rate cutting to attract more customers.

银行宣布了一项新的降息政策，以吸引更多客户。

5.Due to the economic downturn, many lenders are engaging in rate cutting to remain competitive.

由于经济下滑，许多贷款机构正在进行降息以保持竞争力。

作文

In the world of finance and economics, the term rate cutting refers to the practice of reducing interest rates set by central banks or financial institutions. This action is often taken to stimulate economic growth during periods of slow economic activity or recession. When a central bank decides to implement rate cutting, it aims to lower borrowing costs for consumers and businesses, thereby encouraging spending and investment. As a result, rate cutting can lead to increased consumer confidence and higher levels of economic activity.The implications of rate cutting are significant. For instance, when interest rates are lowered, loans become cheaper. This can lead to more people taking out mortgages to buy homes or businesses investing in expansion projects. Consequently, increased spending can boost demand for goods and services, which in turn can lead to job creation and lower unemployment rates. In this way, rate cutting serves as a tool for economic recovery.However, rate cutting is not without its drawbacks. One of the major concerns is that prolonged low-interest rates can lead to inflation. If borrowing becomes too cheap, it may encourage excessive spending, resulting in prices rising faster than wages. Additionally, low rates can negatively impact savers, as the returns on savings accounts and fixed-income investments diminish. This can create a sense of dissatisfaction among those who rely on interest income for their financial stability.Another potential downside of rate cutting is the risk of creating asset bubbles. When interest rates are low, investors often seek higher returns in riskier assets, such as stocks or real estate. This can lead to inflated prices and eventual market corrections when the bubble bursts. Therefore, while rate cutting can provide short-term relief to an ailing economy, it also requires careful monitoring to avoid long-term adverse effects.In recent years, we have seen various countries adopt rate cutting policies in response to global economic challenges. For example, during the COVID-19 pandemic, many central banks around the world slashed interest rates to support their economies. This was seen as a necessary measure to counteract the severe economic downturn caused by lockdowns and reduced consumer activity.In conclusion, rate cutting is a critical monetary policy tool used by central banks to stimulate economic growth during challenging times. While it has the potential to spur economic activity and improve consumer confidence, it also comes with risks, such as inflation and asset bubbles. Policymakers must strike a delicate balance between promoting growth and maintaining economic stability. Understanding the concept of rate cutting is essential for anyone interested in finance and economics, as it plays a pivotal role in shaping our economic landscape.

在金融和经济的世界中，术语降息指的是中央银行或金融机构降低设定的利率的做法。这种行为通常是在经济活动缓慢或衰退期间采取的，以刺激经济增长。当中央银行决定实施降息时，目的是降低消费者和企业的借款成本，从而鼓励消费和投资。因此，降息可以导致消费者信心增强和经济活动水平提高。降息的影响是显著的。例如，当利率降低时，贷款变得更便宜。这可能导致更多人申请抵押贷款购买房屋或企业投资扩张项目。因此，消费的增加可以提升对商品和服务的需求，这反过来又可以创造就业机会并降低失业率。通过这种方式，降息作为经济复苏的工具。然而，降息并非没有缺点。一个主要的担忧是，长期的低利率可能导致通货膨胀。如果借款变得过于便宜，可能会鼓励过度消费，导致价格上涨速度超过工资。此外，低利率可能对储户产生负面影响，因为储蓄账户和固定收益投资的回报减少。这可能会造成依赖利息收入维持财务稳定的人的不满。另一个潜在的降息缺点是创造资产泡沫的风险。当利率较低时，投资者往往寻求在风险更高的资产中获得更高的回报，例如股票或房地产。这可能导致价格被抬高，并在泡沫破裂时最终导致市场修正。因此，虽然降息可以为疲软的经济提供短期救助，但也需要仔细监测以避免长期的不利影响。近年来，我们看到各国在应对全球经济挑战时采用降息政策。例如，在COVID-19大流行期间，世界各地的许多中央银行纷纷降低利率以支持其经济。这被视为应对因封锁和消费活动减少而造成的严重经济衰退的必要措施。总之，降息是中央银行在困难时期刺激经济增长的重要货币政策工具。虽然它有可能推动经济活动和改善消费者信心，但也伴随着通货膨胀和资产泡沫等风险。政策制定者必须在促进增长和维护经济稳定之间找到微妙的平衡。理解降息的概念对于任何对金融和经济感兴趣的人来说都是至关重要的，因为它在塑造我们的经济格局中发挥着关键作用。