negative interest

简明释义

逆利率

英英释义

例句

1.In some countries, banks are offering negative interest rates to encourage spending rather than saving.

在一些国家，银行提供负利率以鼓励消费而非储蓄。

2.Some European nations have adopted negative interest rates as part of their monetary policy.

一些欧洲国家已将负利率作为其货币政策的一部分。

3.With negative interest, borrowers might find it cheaper to take out loans than to keep their money in the bank.

在负利率的情况下，借款人可能会发现贷款的成本比将钱存入银行更低。

4.Investors are wary of negative interest because it means they could lose money on their deposits.

投资者对负利率感到警惕，因为这意味着他们的存款可能会亏损。

5.The central bank implemented negative interest policies to stimulate the economy during a recession.

中央银行实施负利率政策以刺激经济在衰退期间复苏。

作文

In recent years, the concept of negative interest has gained significant attention in the world of finance and economics. Traditionally, interest rates have been positive, meaning that when individuals or businesses deposit money in a bank, they earn interest on their savings. However, negative interest represents a radical shift in this paradigm. In a negative interest environment, depositors actually pay the bank to hold their money, rather than receiving compensation for it. This situation raises several questions about the implications for consumers, banks, and the economy as a whole.One of the primary reasons central banks might implement negative interest rates is to stimulate economic growth during periods of stagnation. When traditional monetary policy tools, such as lowering interest rates, reach their limits, central banks may resort to negative interest rates as an unconventional strategy to encourage spending and investment. By penalizing savers, policymakers hope to push individuals and businesses to spend their money rather than hoard it, thereby boosting consumption and, ultimately, economic activity.However, the introduction of negative interest rates can have unintended consequences. For one, it can create uncertainty among consumers. Many people are accustomed to the idea of earning interest on their savings, and the prospect of losing money simply by keeping it in a bank account can be unsettling. This psychological barrier may lead to a decrease in consumer confidence, which could counteract the intended stimulative effects of negative interest rates.Additionally, negative interest rates can impact the banking sector itself. Banks typically rely on the interest spread—the difference between the interest rates they pay on deposits and the rates they charge on loans—to generate profits. With negative interest rates, banks may struggle to maintain profitability, leading to potential instability within the financial system. Some banks might pass on the costs of negative interest to their customers by charging fees for holding accounts, which could further deter saving and exacerbate the challenges facing the economy.Despite these challenges, some countries have successfully implemented negative interest rates without catastrophic consequences. For instance, in Denmark, banks have offered negative interest rates to customers, but many consumers have opted to keep their savings in the bank rather than withdraw cash, indicating a level of acceptance of this new norm. This suggests that while negative interest rates may be controversial, they can be integrated into the financial landscape if managed carefully.In conclusion, the phenomenon of negative interest represents a significant departure from traditional economic principles. While it offers potential benefits in terms of stimulating economic growth, it also poses risks that must be carefully navigated. As more central banks explore this uncharted territory, it will be crucial for policymakers to communicate effectively with the public and ensure that the financial system remains stable. The future of negative interest rates will undoubtedly shape the way we think about money, savings, and economic policy for years to come.

近年来，负利率的概念在金融和经济领域引起了广泛关注。传统上，利率是正的，这意味着个人或企业在银行存款时会获得利息。然而，负利率代表了这一范式的根本转变。在负利率环境中，存款人实际上是在支付银行存放他们的钱，而不是获得补偿。这种情况引发了关于对消费者、银行和整个经济的影响的若干问题。中央银行实施负利率的主要原因之一是在经济停滞时期刺激经济增长。当传统货币政策工具（如降低利率）达到极限时，中央银行可能会诉诸于负利率作为一种非常规策略，以鼓励消费和投资。通过惩罚储蓄者，政策制定者希望推动个人和企业花费他们的钱，而不是囤积，从而促进消费，最终推动经济活动。然而，负利率的引入可能会产生意想不到的后果。首先，它可能会在消费者中造成不确定性。许多人习惯于在储蓄中赚取利息的观念，而仅仅因为将钱存放在银行账户中而失去金钱的前景可能会让人感到不安。这种心理障碍可能导致消费者信心下降，从而抵消负利率的预期刺激效果。此外，负利率还可能影响银行业本身。银行通常依赖利差——它们在存款上支付的利率与它们向贷款收取的利率之间的差额——来产生利润。在负利率的情况下，银行可能会难以维持盈利能力，从而导致金融系统潜在的不稳定。一些银行可能会通过对客户收取保管账户的费用，将负利率的成本转嫁给客户，这可能进一步抑制储蓄并加剧经济面临的挑战。尽管面临这些挑战，一些国家成功地实施了负利率而没有灾难性的后果。例如，在丹麦，银行向客户提供了负利率，但许多消费者选择将他们的储蓄存放在银行，而不是提取现金，这表明人们对这一新常态的接受程度。这表明，虽然负利率可能存在争议，但如果管理得当，它可以融入金融领域。总之，负利率现象代表了传统经济原则的重大偏离。虽然它在刺激经济增长方面提供了潜在的好处，但它也带来了必须小心应对的风险。随着越来越多的中央银行探索这一未知领域，政策制定者有效地与公众沟通并确保金融系统保持稳定将至关重要。负利率的未来无疑将塑造我们对金钱、储蓄和经济政策的思考方式，影响未来的许多年。