cash rate

简明释义

现钞汇率

英英释义

例句

1.Investors closely monitor changes in the cash rate as it affects stock market performance.

投资者密切关注现金利率的变化，因为这会影响股市表现。

2.The central bank decided to lower the cash rate to stimulate economic growth.

中央银行决定降低现金利率以刺激经济增长。

3.The cash rate is a key tool used by the central bank to control inflation.

现金利率是中央银行用来控制通货膨胀的关键工具。

4.A decrease in the cash rate often leads to lower mortgage rates.

现金利率的下降通常会导致抵押贷款利率降低。

5.When the cash rate increases, borrowing becomes more expensive for consumers.

当现金利率上升时，消费者的借款成本会增加。

作文

The term cash rate refers to the interest rate set by a country's central bank for lending money to commercial banks. This rate is crucial as it influences the overall economic environment, affecting everything from consumer loans to mortgage rates. Understanding the cash rate is essential for anyone interested in finance, economics, or simply managing their personal finances effectively.When a central bank adjusts the cash rate, it sends a signal to the financial markets about its monetary policy stance. For instance, if the central bank lowers the cash rate, it usually indicates that the economy is slowing down and that the bank wants to encourage borrowing and spending. Lower interest rates make loans cheaper, which can stimulate economic activity as businesses invest and consumers spend more.Conversely, when the central bank raises the cash rate, it often aims to curb inflation or cool down an overheating economy. Higher interest rates mean that borrowing becomes more expensive, which can lead to reduced spending by consumers and businesses alike. This dynamic illustrates how the cash rate serves as a tool for central banks to manage economic growth and stability.For individuals, the implications of changes in the cash rate are significant. When the cash rate is low, individuals may find it easier to obtain loans for big purchases, such as homes or cars, because banks can offer lower interest rates on mortgages and other loans. This can lead to increased consumer confidence and spending, which further stimulates the economy.On the other hand, when the cash rate rises, individuals may face higher costs for existing loans and new credit. This can lead to a tightening of household budgets, as more income is directed towards interest payments rather than discretionary spending. As a result, understanding the direction of the cash rate can help individuals make informed decisions about their finances, such as when to buy a home or take out a loan.Moreover, the cash rate also has implications for the stock market. Generally, lower interest rates can lead to higher stock prices as companies benefit from cheaper borrowing costs. Investors often shift their portfolios based on expectations of future movements in the cash rate, as these changes can influence corporate profits and overall market performance.In conclusion, the cash rate is a pivotal concept in the realm of economics and finance. It not only affects the lending practices of banks but also has far-reaching consequences for consumers, businesses, and the economy as a whole. By keeping an eye on the cash rate, individuals and investors can better navigate the complexities of economic fluctuations and make more strategic financial decisions. Understanding this term is vital for anyone looking to engage with the financial world effectively and responsibly.

“现金利率”一词是指一个国家中央银行为向商业银行借款而设定的利率。这个利率至关重要，因为它影响着整体经济环境，从消费贷款到抵押贷款利率都受到其影响。理解“现金利率”对任何对金融、经济或仅仅是有效管理个人财务感兴趣的人来说都是必不可少的。当中央银行调整“现金利率”时，它向金融市场发出了关于其货币政策立场的信号。例如，如果中央银行降低“现金利率”，通常表示经济正在放缓，银行希望鼓励借贷和消费。较低的利率使贷款变得更便宜，这可以刺激经济活动，因为企业会投资，消费者会花费更多。相反，当中央银行提高“现金利率”时，通常旨在遏制通货膨胀或冷却过热的经济。较高的利率意味着借贷变得更加昂贵，这可能导致消费者和企业的支出减少。这种动态说明了“现金利率”如何作为中央银行管理经济增长和稳定的工具。对于个人而言，“现金利率”的变化具有重要意义。当“现金利率”较低时，个人可能会发现获得大额购买贷款（如住房或汽车贷款）变得更容易，因为银行可以提供较低的抵押贷款和其他贷款利率。这可以导致消费者信心和支出的增加，从而进一步刺激经济。另一方面，当“现金利率”上升时，个人可能面临现有贷款和新信用的更高成本。这可能导致家庭预算收紧，因为更多的收入用于利息支付而不是自由支出。因此，理解“现金利率”的方向可以帮助个人做出明智的财务决策，例如何时购房或申请贷款。此外，“现金利率”也对股市产生影响。一般而言，较低的利率可以导致更高的股票价格，因为公司从更便宜的借款成本中受益。投资者通常根据对未来“现金利率”变动的预期调整他们的投资组合，因为这些变化可能会影响企业利润和整体市场表现。总之，“现金利率”是经济和金融领域的一个关键概念。它不仅影响银行的放贷实践，还有深远的后果，涉及消费者、企业和整个经济。通过关注“现金利率”，个人和投资者可以更好地应对经济波动的复杂性，做出更具战略性的财务决策。理解这个术语对于任何希望有效和负责任地参与金融世界的人来说都是至关重要的。