equilibrium interest rate

简明释义

均衡利率

英英释义

例句

1.A decrease in demand for loans can lead to a lower equilibrium interest rate 均衡利率.

贷款需求的减少可能导致均衡利率 equilibrium interest rate 的降低。

2.When inflation rises, the equilibrium interest rate 均衡利率 typically increases as well.

当通货膨胀上升时，均衡利率 equilibrium interest rate 通常也会上升。

3.The equilibrium interest rate 均衡利率 is crucial for determining the overall health of the financial system.

均衡利率 equilibrium interest rate 对于确定金融系统的整体健康状况至关重要。

4.The central bank aims to set the equilibrium interest rate 均衡利率 to stabilize the economy.

中央银行的目标是设定均衡利率 equilibrium interest rate 来稳定经济。

5.Investors often look for signs that the equilibrium interest rate 均衡利率 will change in response to market conditions.

投资者通常会寻找迹象，表明均衡利率 equilibrium interest rate 会因市场条件而变化。

作文

The concept of the equilibrium interest rate is fundamental in understanding how economies function. This rate represents the point at which the supply of money in an economy matches the demand for money. When the equilibrium interest rate is achieved, it ensures that borrowers can find lenders willing to provide loans, and savers receive adequate returns on their deposits.In a simplified view, when the interest rate is set too high, borrowing decreases because loans become expensive. As a result, the demand for money falls, leading to an excess supply of funds in the market. Conversely, if the interest rate is too low, borrowing becomes attractive, causing an increase in demand for loans while the supply may not keep pace. This situation creates a shortage of available funds, driving up interest rates until equilibrium is restored.Understanding the equilibrium interest rate also helps in analyzing the impact of monetary policy. Central banks, such as the Federal Reserve in the United States, often adjust short-term interest rates to influence economic activity. By lowering interest rates, they aim to stimulate borrowing and investment, while raising rates can help cool down an overheating economy. The goal of these adjustments is to maintain the equilibrium interest rate, which in turn supports stable economic growth and inflation control.Moreover, the equilibrium interest rate plays a crucial role in financial markets. Investors assess the risk and return on various assets based on prevailing interest rates. If the market interest rates deviate significantly from the equilibrium interest rate, it can lead to asset bubbles or market corrections. For instance, during periods of low interest rates, investors may flock to stocks or real estate, pushing prices to unsustainable levels. When the rates eventually normalize, these inflated asset prices can lead to significant losses.In conclusion, the equilibrium interest rate is not just a theoretical construct; it is a vital component of economic stability. It reflects the balance between saving and borrowing, influencing everything from consumer spending to business investments. Policymakers must carefully monitor this rate to ensure that the economy operates smoothly, avoiding the pitfalls of both inflation and recession. Understanding the dynamics of the equilibrium interest rate is essential for anyone looking to grasp the broader implications of economic policies and financial trends.

“均衡利率”的概念是理解经济如何运作的基本要素。这个利率代表了一个经济体中货币供给与货币需求相匹配的点。当达到“均衡利率”时，借款人能够找到愿意提供贷款的贷方，而储户则能在其存款中获得合理的回报。简单来看，当利率设定得过高时，借款会减少，因为贷款变得昂贵。因此，货币需求下降，导致市场上资金供给过剩。相反，如果利率过低，借款变得有吸引力，导致贷款需求增加，而供给可能无法跟上。这种情况造成了可用资金的短缺，推动利率上升，直到恢复均衡。理解“均衡利率”还有助于分析货币政策的影响。中央银行，例如美国的联邦储备系统，常常调整短期利率以影响经济活动。通过降低利率，他们旨在刺激借贷和投资，而提高利率可以帮助降温过热的经济。这些调整的目标是维持“均衡利率”，从而支持经济稳定增长和控制通货膨胀。此外，“均衡利率”在金融市场中也扮演着至关重要的角色。投资者根据当前利率评估各种资产的风险和回报。如果市场利率与“均衡利率”显著偏离，可能导致资产泡沫或市场修正。例如，在低利率时期，投资者可能涌向股票或房地产，推动价格达到不可持续的水平。当利率最终正常化时，这些被抬高的资产价格可能导致重大损失。总之，“均衡利率”不仅仅是一个理论构想；它是经济稳定的重要组成部分。它反映了储蓄与借贷之间的平衡，影响从消费者支出到商业投资的方方面面。政策制定者必须仔细监测这一利率，以确保经济平稳运行，避免通货膨胀和衰退的陷阱。理解“均衡利率”的动态变化对于任何希望掌握经济政策和金融趋势广泛影响的人来说都是至关重要的。