market rate of discount; market discount rate

简明释义

市场贴现率，市场折扣率

英英释义

例句

1.The market discount rate can fluctuate based on economic conditions and investor sentiment.

由于经济状况和投资者情绪的变化，市场折扣率可能会波动。

2.When evaluating an investment, it's crucial to compare its return to the market rate of discount.

在评估投资时，将其回报与市场贴现率进行比较至关重要。

3.Investors often look for bonds that yield above the market discount rate to maximize their returns.

投资者通常寻找收益高于市场折扣率的债券，以最大化回报。

4.The bank offered a loan at a lower market rate of discount, making it more affordable for borrowers.

银行以较低的市场贴现率提供贷款，使借款人更容易承担。

5.A higher market rate of discount indicates that future cash flows are less valuable in today's terms.

较高的市场贴现率表明未来现金流在今天的价值较低。

作文

In the realm of finance and investment, understanding the concepts of discount rates is crucial for making informed decisions. One such important term is the market rate of discount, which refers to the prevailing interest rate used to determine the present value of future cash flows. This rate is influenced by various factors, including economic conditions, inflation expectations, and the risk associated with the investment. Investors use the market rate of discount to assess whether an investment is worth pursuing by comparing the present value of expected returns against the initial costs involved.When evaluating potential investments, one must consider the market discount rate, which is essentially the same concept but often used in a slightly different context. The market discount rate is the rate that reflects the opportunity cost of capital and is used to calculate the discounted cash flows from an investment. It represents the return that investors expect from alternative investments with similar risk profiles. By applying the market discount rate, investors can ascertain whether the returns on a specific investment justify the risks involved.The importance of these rates cannot be overstated. For instance, when a company is looking to raise funds, it must offer returns that are competitive with the market rate of discount. If the returns are too low compared to this rate, investors may choose to allocate their resources elsewhere, thereby affecting the company's ability to secure financing. Conversely, if a company offers returns that exceed the market discount rate, it may attract more investors, facilitating growth and expansion.Moreover, the market rate of discount and the market discount rate play critical roles in the valuation of financial assets. For example, when valuing bonds, investors must discount the expected future cash flows (i.e., coupon payments and principal repayment) back to their present value using the market rate of discount. This process ensures that they accurately reflect the time value of money, which is a fundamental principle in finance. Similarly, real estate valuations often incorporate the market discount rate to determine the present value of expected rental income.In addition to investment analysis, these rates also have implications for monetary policy and economic growth. Central banks monitor the market rate of discount as part of their efforts to manage inflation and stimulate economic activity. By adjusting interest rates, central banks can influence the market discount rate, thereby impacting borrowing costs and consumer spending. A lower market discount rate can encourage borrowing and investment, while a higher rate may have the opposite effect.In conclusion, the terms market rate of discount and market discount rate are essential components of financial analysis and investment decision-making. They provide a framework for evaluating the present value of future cash flows and help investors make choices that align with their financial goals. By understanding and applying these concepts, individuals and businesses can navigate the complexities of the financial markets more effectively, ultimately leading to better investment outcomes and economic stability.

在金融和投资领域，理解折现率的概念对于做出明智的决策至关重要。其中一个重要术语是市场折现率，它指的是用于确定未来现金流现值的现行利率。这个利率受到多种因素的影响，包括经济条件、通货膨胀预期以及与投资相关的风险。投资者使用市场折现率来评估某项投资是否值得追求，通过比较预期回报的现值与初始成本。在评估潜在投资时，必须考虑市场折扣率，这本质上是相同的概念，但通常在稍微不同的背景下使用。市场折扣率是反映资本机会成本的利率，用于计算投资的折现现金流。它代表了投资者对具有类似风险特征的替代投资的预期回报。通过应用市场折扣率，投资者可以判断特定投资的回报是否合理。这些利率的重要性不容小觑。例如，当一家公司寻求筹集资金时，必须提供与市场折现率竞争的回报。如果回报低于这一利率，投资者可能会选择将资源分配到其他地方，从而影响公司的融资能力。相反，如果一家公司提供的回报超过市场折扣率，则可能吸引更多投资者，从而促进增长和扩展。此外，市场折现率和市场折扣率在金融资产的估值中发挥着关键作用。例如，在评估债券时，投资者必须使用市场折现率将预期未来现金流（即票息支付和本金偿还）折现到其现值。这一过程确保他们准确反映货币的时间价值，这是金融学的基本原则。同样，房地产估值通常也会纳入市场折扣率来确定预期租金收入的现值。除了投资分析，这些利率还对货币政策和经济增长产生影响。中央银行监控市场折现率作为其管理通货膨胀和刺激经济活动的一部分。通过调整利率，中央银行可以影响市场折扣率，从而影响借贷成本和消费者支出。较低的市场折扣率可以鼓励借贷和投资，而较高的利率可能会产生相反的效果。总之，术语市场折现率和市场折扣率是金融分析和投资决策的重要组成部分。它们为评估未来现金流的现值提供了框架，并帮助投资者做出符合其财务目标的选择。通过理解和应用这些概念，个人和企业可以更有效地应对金融市场的复杂性，从而最终实现更好的投资结果和经济稳定。