nominal rate

简明释义

票面汇价

英英释义

例句

1.The nominal rate of return on the bond is fixed at 4% per year.

该债券的名义利率固定为每年4%。

2.When considering loans, it's important to compare the nominal rate with the effective interest rate.

在考虑贷款时，比较名义利率与实际利率是很重要的。

3.The bank offers a nominal rate of 5% for its savings account.

该银行为其储蓄账户提供了5%的名义利率。

4.Investors should be aware that the nominal rate does not account for inflation.

投资者应意识到名义利率并未考虑通货膨胀。

5.A higher nominal rate might seem attractive, but it could come with higher risk.

较高的名义利率可能看起来很有吸引力，但可能伴随更高的风险。

作文

In the world of finance and economics, understanding various rates is crucial for making informed decisions. One such important term is the nominal rate, which refers to the interest rate before adjustments for inflation. It represents the percentage increase in money that a borrower pays to a lender without taking into account the decrease in purchasing power due to inflation. For example, if you take out a loan with a nominal rate of 5%, this means you will pay back 5% more than what you borrowed, but it does not reflect how much that 5% is worth in real terms after considering inflation.The concept of the nominal rate is vital when assessing investments. Investors need to understand that the actual return on their investments may differ significantly from the nominal rate advertised by financial institutions. For instance, if an investment offers a nominal rate of 6% but inflation is running at 3%, the real return on that investment is only 3%. Therefore, when evaluating potential investments, one must always consider the impact of inflation on the nominal rate.Moreover, the nominal rate can also influence monetary policy. Central banks often set interest rates based on nominal rates to control economic growth and inflation. If the nominal rate is too low, it may encourage borrowing and spending, which can lead to inflation. Conversely, if the nominal rate is too high, it can stifle economic growth by making borrowing more expensive.Understanding the difference between the nominal rate and the real interest rate is essential for both consumers and investors. The real interest rate is calculated by subtracting the inflation rate from the nominal rate. This difference gives a clearer picture of the actual cost of borrowing or the true yield on an investment. For example, if a savings account offers a nominal rate of 4% and the inflation rate is 2%, the real interest rate is only 2%. This means that the purchasing power of the money saved is only increasing by 2% per year.In conclusion, the nominal rate plays a significant role in finance, impacting everything from individual loans to broader economic policies. It is essential for individuals to grasp the implications of the nominal rate in relation to inflation and real returns to make sound financial decisions. By understanding how the nominal rate interacts with other economic factors, one can better navigate the complexities of personal finance and investment strategies. As we continue to face fluctuating economic conditions, being aware of the nominal rate will enable us to protect our financial interests and achieve our long-term goals.

在金融和经济的世界中，理解各种利率对于做出明智的决策至关重要。一个重要的术语是名义利率，它指的是未调整通货膨胀的利率。它表示借款人向贷款人支付的货币百分比增加，而不考虑由于通货膨胀导致的购买力下降。例如，如果您以名义利率5%贷款，这意味着您将偿还比借款多5%的金额，但这并不反映在考虑通货膨胀后，这5%实际的价值。名义利率的概念在评估投资时至关重要。投资者需要了解，他们的投资实际回报可能与金融机构宣传的名义利率有显著不同。例如，如果某项投资提供的名义利率为6%，但通货膨胀率为3%，那么该投资的实际回报仅为3%。因此，在评估潜在投资时，必须始终考虑通货膨胀对名义利率的影响。此外，名义利率还可以影响货币政策。中央银行通常根据名义利率设定利率，以控制经济增长和通货膨胀。如果名义利率过低，可能会鼓励借贷和消费，从而导致通货膨胀。相反，如果名义利率过高，可能会通过提高借贷成本来抑制经济增长。理解名义利率与实际利率之间的区别对于消费者和投资者都至关重要。实际利率是通过从名义利率中减去通货膨胀率来计算的。这一差异清晰地显示了借贷的实际成本或投资的真实收益。例如，如果一个储蓄账户的名义利率为4%，而通货膨胀率为2%，那么实际利率仅为2%。这意味着存入的资金的购买力每年仅增加2%。总之，名义利率在金融中扮演着重要角色，影响从个人贷款到更广泛的经济政策的一切。个人掌握名义利率与通货膨胀和实际回报之间的关系对于做出明智的财务决策至关重要。通过理解名义利率如何与其他经济因素相互作用，我们可以更好地应对个人财务和投资策略的复杂性。随着我们继续面临波动的经济条件，意识到名义利率将使我们能够保护我们的财务利益，实现我们的长期目标。