prime lending rate

简明释义

优惠贷款利率

英英释义

例句

1.When the prime lending rate increases, borrowing costs for consumers typically rise.

当基准贷款利率上升时，消费者的借款成本通常会增加。

2.A lower prime lending rate can stimulate spending and investment.

较低的基准贷款利率可以刺激消费和投资。

3.Many credit cards have interest rates that are tied to the prime lending rate.

许多信用卡的利率与基准贷款利率挂钩。

4.Investors often watch the prime lending rate as an indicator of economic health.

投资者通常关注基准贷款利率作为经济健康的指标。

5.The bank has adjusted its prime lending rate to attract more borrowers.

银行已调整其基准贷款利率以吸引更多借款人。

作文

The concept of the prime lending rate is fundamental in the world of finance and banking. It refers to the interest rate that commercial banks charge their most creditworthy customers, typically large corporations. This rate serves as a benchmark for various loans and credit products offered by banks. Understanding the prime lending rate is crucial for both borrowers and investors alike, as it affects borrowing costs and economic activity. When the economy is thriving, the prime lending rate tends to rise because banks are more willing to lend money, and they seek to maximize their profits. Conversely, during economic downturns, the rate may decrease as banks aim to stimulate borrowing and investment. This relationship between the prime lending rate and the overall economy underscores the importance of monitoring this rate closely.For individuals and businesses considering taking out loans, knowing the current prime lending rate can help them make informed financial decisions. For example, if the rate is low, it might be a good time to secure a loan for purchasing a home or expanding a business. On the other hand, if the rate is high, potential borrowers might choose to wait for a more favorable economic climate before committing to a loan.Additionally, the prime lending rate influences other interest rates, such as those for mortgages, credit cards, and personal loans. When banks adjust the prime lending rate, it often leads to changes in these other rates, affecting consumers’ purchasing power and spending habits. Therefore, fluctuations in the prime lending rate can have a ripple effect throughout the economy.Investors also pay close attention to the prime lending rate as it can provide insights into the direction of monetary policy and the overall health of the economy. A rising prime lending rate may signal that the central bank is tightening monetary policy to combat inflation, while a falling rate could indicate a more accommodative stance aimed at stimulating growth. Understanding these trends can help investors make better decisions regarding asset allocation and risk management.In conclusion, the prime lending rate is a critical indicator in the financial landscape, influencing borrowing costs for consumers and businesses, as well as providing valuable insights for investors. By keeping an eye on the prime lending rate, individuals can better navigate their financial choices and understand broader economic trends. Whether one is looking to take out a loan or invest in the market, a solid grasp of the prime lending rate is essential for making informed decisions.

“基准贷款利率”这一概念在金融和银行领域中至关重要。它指的是商业银行向其最有信用的客户（通常是大型企业）收取的利率。这个利率作为各种贷款和银行提供的信贷产品的基准。理解“基准贷款利率”对于借款人和投资者来说都至关重要，因为它会影响借款成本和经济活动。当经济繁荣时，“基准贷款利率”往往会上升，因为银行更愿意放贷，并且希望最大化其利润。相反，在经济衰退期间，利率可能会下降，因为银行希望刺激借贷和投资。这种“基准贷款利率”和整体经济之间的关系强调了密切关注这一利率的重要性。对于考虑贷款的个人和企业来说，了解当前的“基准贷款利率”可以帮助他们做出明智的财务决策。例如，如果利率较低，那么现在可能是购买房屋或扩展业务的好时机。另一方面，如果利率较高，潜在借款人可能会选择等到经济气候更加有利时再做出贷款承诺。此外，“基准贷款利率”还会影响其他利率，例如抵押贷款、信用卡和个人贷款的利率。当银行调整“基准贷款利率”时，通常会导致这些其他利率的变化，从而影响消费者的购买力和消费习惯。因此，“基准贷款利率”的波动可能会对整个经济产生连锁反应。投资者也非常关注“基准贷款利率”，因为它可以提供有关货币政策方向和整体经济健康状况的见解。“基准贷款利率”的上升可能表明中央银行正在收紧货币政策以应对通货膨胀，而利率的下降则可能表明更宽松的政策旨在刺激增长。理解这些趋势可以帮助投资者在资产配置和风险管理方面做出更好的决策。总之，“基准贷款利率”是金融环境中的一个关键指标，影响着消费者和企业的借款成本，并为投资者提供了宝贵的见解。通过关注“基准贷款利率”，个人可以更好地驾驭自己的财务选择，并理解更广泛的经济趋势。无论是想要贷款还是投资市场，对“基准贷款利率”的深刻理解对于做出明智的决策至关重要。