Hong Kong interbank offered rate (HIBOR)

简明释义

香港银行间放款利率

英英释义

例句

1.A rise in the Hong Kong interbank offered rate (HIBOR) may lead to higher mortgage rates for homeowners.

香港银行同业拆息（HIBOR）的上升可能会导致房主的抵押贷款利率上升。

2.Many financial products are linked to the Hong Kong interbank offered rate (HIBOR), making it a key benchmark in the market.

许多金融产品与香港银行同业拆息（HIBOR）挂钩，使其成为市场中的关键基准。

3.The bank's loan interest rate is often tied to the Hong Kong interbank offered rate (HIBOR), which reflects the average rate at which banks lend to each other in Hong Kong.

银行的贷款利率通常与香港银行同业拆息（HIBOR）挂钩，该利率反映了银行在香港互相借贷的平均利率。

4.Investors closely monitor the Hong Kong interbank offered rate (HIBOR) as it can indicate the overall liquidity in the financial system.

投资者密切关注香港银行同业拆息（HIBOR），因为它可以指示金融系统的整体流动性。

5.The Hong Kong interbank offered rate (HIBOR) is published daily by the Hong Kong Association of Banks.

香港银行同业拆息（HIBOR）由香港银行公会每日发布。

作文

The financial landscape of Hong Kong is characterized by its dynamic banking system, which plays a crucial role in the region's economy. One of the key components of this system is the Hong Kong interbank offered rate (HIBOR), a benchmark interest rate that reflects the average rate at which banks in Hong Kong are willing to lend to one another. Understanding the Hong Kong interbank offered rate (HIBOR) is essential for both investors and borrowers, as it influences various financial products and economic activities within the territory.The Hong Kong interbank offered rate (HIBOR) serves as an important indicator of the liquidity conditions in the banking sector. When the Hong Kong interbank offered rate (HIBOR) is low, it suggests that banks have ample liquidity and are willing to lend at lower rates. This can stimulate borrowing and investment, leading to economic growth. Conversely, when the Hong Kong interbank offered rate (HIBOR) rises, it indicates tighter liquidity conditions, which may discourage borrowing and slow down economic activity.Investors closely monitor the Hong Kong interbank offered rate (HIBOR) because it directly impacts various financial instruments, including loans, mortgages, and bonds. For instance, many variable-rate loans in Hong Kong are tied to the Hong Kong interbank offered rate (HIBOR). Therefore, fluctuations in this rate can significantly affect monthly repayments for borrowers. Similarly, fixed-income investors need to consider the Hong Kong interbank offered rate (HIBOR) when evaluating the attractiveness of bonds, as a rising rate could lead to lower bond prices.Moreover, the Hong Kong interbank offered rate (HIBOR) also has implications for monetary policy. The Hong Kong Monetary Authority (HKMA), which is responsible for maintaining monetary stability in the region, monitors the Hong Kong interbank offered rate (HIBOR) closely. If the rate deviates significantly from expected levels, it may prompt the HKMA to take action, such as adjusting the base rate or implementing liquidity measures to stabilize the banking system.In recent years, global economic conditions have influenced the Hong Kong interbank offered rate (HIBOR). Factors such as changes in U.S. interest rates, geopolitical tensions, and shifts in investor sentiment can all impact the rate. For example, when the U.S. Federal Reserve raises interest rates, it can lead to an increase in the Hong Kong interbank offered rate (HIBOR) as local banks adjust their lending rates in response to higher global rates.Furthermore, the Hong Kong interbank offered rate (HIBOR) is not just a local phenomenon; it is part of a broader network of interbank rates that includes the London Interbank Offered Rate (LIBOR) and other regional benchmarks. As financial markets become increasingly interconnected, movements in the Hong Kong interbank offered rate (HIBOR) can have ripple effects across the globe, influencing capital flows and investment decisions.In conclusion, the Hong Kong interbank offered rate (HIBOR) is a vital component of Hong Kong's financial ecosystem. Its role as a benchmark interest rate affects borrowing costs, investment decisions, and overall economic health. For anyone involved in finance or banking in Hong Kong, a thorough understanding of the Hong Kong interbank offered rate (HIBOR) is essential for making informed decisions and navigating the complexities of the financial markets. By keeping an eye on this critical rate, stakeholders can better anticipate changes in the economic environment and adjust their strategies accordingly.

香港的金融环境以其动态的银行系统为特征，该系统在地区经济中发挥着至关重要的作用。其中一个关键组成部分是香港银行同业拆借利率（HIBOR），这是一个基准利率，反映了香港银行之间愿意相互借贷的平均利率。理解香港银行同业拆借利率（HIBOR）对投资者和借款人而言至关重要，因为它影响着该地区各种金融产品和经济活动。香港银行同业拆借利率（HIBOR）作为银行部门流动性状况的重要指标。当香港银行同业拆借利率（HIBOR）较低时，表明银行流动性充足，愿意以较低的利率放贷。这可以刺激借贷和投资，从而促进经济增长。相反，当香港银行同业拆借利率（HIBOR）上升时，表明流动性条件紧张，这可能会抑制借贷并减缓经济活动。投资者密切关注香港银行同业拆借利率（HIBOR），因为它直接影响多种金融工具，包括贷款、抵押贷款和债券。例如，香港许多浮动利率贷款都与香港银行同业拆借利率（HIBOR）挂钩。因此，该利率的波动可能会显著影响借款人的月还款额。同样，固定收益投资者在评估债券的吸引力时也需要考虑香港银行同业拆借利率（HIBOR），因为利率上升可能导致债券价格下跌。此外，香港银行同业拆借利率（HIBOR）对货币政策也有影响。负责维护该地区货币稳定的香港金融管理局（HKMA）密切监测香港银行同业拆借利率（HIBOR）。如果该利率显著偏离预期水平，可能会促使HKMA采取行动，例如调整基准利率或实施流动性措施来稳定银行系统。近年来，全球经济状况影响了香港银行同业拆借利率（HIBOR）。美国利率变化、地缘政治紧张局势和投资者情绪的变化等因素都会影响该利率。例如，当美国联邦储备委员会提高利率时，可能会导致香港银行同业拆借利率（HIBOR）上升，因为当地银行会根据全球利率的上升调整其放贷利率。此外，香港银行同业拆借利率（HIBOR）不仅仅是一个地方现象；它是包括伦敦银行间拆借利率（LIBOR）和其他地区基准在内的更广泛的银行间利率网络的一部分。随着金融市场日益互联，香港银行同业拆借利率（HIBOR）的波动可能在全球范围内产生连锁反应，影响资本流动和投资决策。总之，香港银行同业拆借利率（HIBOR）是香港金融生态系统的重要组成部分。作为基准利率，它影响借款成本、投资决策和整体经济健康。对于任何参与香港金融或银行业务的人来说，全面理解香港银行同业拆借利率（HIBOR）对于做出明智的决策和驾驭复杂的金融市场至关重要。通过关注这一关键利率，利益相关者可以更好地预测经济环境的变化，并相应调整他们的策略。