real interest rate

简明释义

实质利率

英英释义

例句

1.Investors are more likely to invest when the real interest rate 实际利率 is positive, indicating that returns exceed inflation.

当实际利率为正时，投资者更有可能投资，这表明回报超过了通货膨胀。

2.When calculating investment returns, it's important to consider the real interest rate 实际利率 to understand true gains.

在计算投资回报时，考虑实际利率以了解真实收益是很重要的。

3.The real interest rate 实际利率 is determined by subtracting the inflation rate from the nominal interest rate.

通过从名义利率中减去通货膨胀率来确定实际利率。

4.A low real interest rate 实际利率 can stimulate economic growth by making borrowing cheaper.

低实际利率可以通过降低借贷成本来刺激经济增长。

5.The central bank adjusts the policy to influence the real interest rate 实际利率 in order to control inflation.

中央银行调整政策以影响实际利率来控制通货膨胀。

作文

Understanding the concept of real interest rate is crucial for both individual investors and policymakers. The real interest rate is defined as the nominal interest rate adjusted for inflation. This means that it reflects the true cost of borrowing and the real yield on savings, providing a clearer picture of the purchasing power of money over time. To illustrate this, consider a scenario where a bank offers a nominal interest rate of 5% on savings accounts. If the inflation rate during the same period is 3%, the real interest rate can be calculated by subtracting the inflation rate from the nominal interest rate. Thus, in this case, the real interest rate would be 2%. This indicates that although savers are earning 5% on their deposits, the actual increase in their purchasing power is only 2%, since 3% of their earnings is eroded by inflation.The importance of understanding the real interest rate extends beyond personal finance; it has significant implications for economic policy and investment strategies. For instance, central banks often adjust nominal interest rates to influence economic activity. When they lower interest rates, it usually aims to stimulate borrowing and spending. However, if inflation rises simultaneously, the real interest rate might remain unchanged or even increase, which could dampen the intended effects of the monetary policy.Moreover, investors need to consider the real interest rate when making decisions about where to allocate their resources. If the real interest rate is low or negative, it may not be worthwhile to keep money in traditional savings accounts or fixed-income securities, as the returns may not outpace inflation. Instead, investors might seek alternative investments such as stocks, real estate, or commodities that have the potential for higher returns.In addition, the real interest rate plays a vital role in international economics. Countries with higher real interest rates tend to attract foreign capital, as investors seek better returns on their investments. This influx of capital can strengthen a country's currency. Conversely, if a country has low or negative real interest rates, it might experience capital flight, leading to a depreciation of its currency.In conclusion, the real interest rate is a fundamental concept that affects various aspects of the economy, including personal finance, investment decisions, and international trade. Understanding how to calculate and interpret the real interest rate allows individuals and businesses to make more informed financial choices. As inflation continues to fluctuate in response to global economic conditions, keeping an eye on the real interest rate will be essential for navigating the complexities of modern finance. By doing so, we can ensure that our financial strategies align with the realities of our economic environment.

理解实际利率的概念对于个人投资者和政策制定者都至关重要。实际利率被定义为经过通货膨胀调整后的名义利率。这意味着它反映了借款的真实成本和储蓄的实际收益，提供了一个更清晰的关于货币随时间变化购买力的图景。为了说明这一点，考虑一个场景，银行在储蓄账户上提供5%的名义利率。如果同一时期的通货膨胀率为3%，那么可以通过从名义利率中减去通货膨胀率来计算实际利率。因此，在这种情况下，实际利率将为2%。这表明，尽管储户在存款上获得了5%的收益，但由于3%的收益被通货膨胀侵蚀，他们的购买力实际只增加了2%。理解实际利率的重要性不仅限于个人财务；它对经济政策和投资策略也有重大影响。例如，中央银行通常会调整名义利率以影响经济活动。当它们降低利率时，通常是为了刺激借贷和消费。然而，如果通货膨胀同时上升，实际利率可能保持不变甚至增加，这可能会抑制货币政策的预期效果。此外，投资者在做出资源配置决策时需要考虑实际利率。如果实际利率较低或为负，可能不值得将资金存放在传统的储蓄账户或固定收益证券中，因为回报可能无法超过通货膨胀。因此，投资者可能会寻找股票、房地产或商品等替代投资，这些投资有潜力获得更高的回报。此外，实际利率在国际经济中也起着至关重要的作用。拥有较高实际利率的国家往往能够吸引外国资本，因为投资者寻求更好的投资回报。这种资本的涌入可以加强一个国家的货币。相反，如果一个国家的实际利率较低或为负，它可能会经历资本外流，导致其货币贬值。总之，实际利率是一个基本概念，影响经济的各个方面，包括个人财务、投资决策和国际贸易。理解如何计算和解释实际利率使个人和企业能够做出更明智的财务选择。随着通货膨胀根据全球经济条件不断波动，关注实际利率将对驾驭现代金融的复杂性至关重要。通过这样做，我们可以确保我们的财务策略与我们经济环境的现实相一致。