basing rate

简明释义

原始税率,原始运价

英英释义

例句

1.A higher basing rate typically means higher borrowing costs for consumers.

更高的基准利率通常意味着消费者的借贷成本更高。

2.Many mortgage products are tied to the national basing rate.

许多抵押贷款产品与国家的基准利率挂钩。

3.The central bank decided to lower the basing rate to stimulate economic growth.

中央银行决定降低基准利率以刺激经济增长。

4.Investors are closely watching changes in the basing rate as it affects loan interest rates.

投资者密切关注基准利率的变化，因为它会影响贷款利率。

5.The bank announced that the new basing rate will be set at 3% for the coming year.

银行宣布新的基准利率将在明年设定为3%。

作文

In the world of finance and economics, understanding various terms is crucial for making informed decisions. One such term that often arises in discussions about interest rates and monetary policy is the basing rate. The basing rate refers to the minimum interest rate set by a central bank or financial institution, which serves as a benchmark for other interest rates in the economy. It plays a pivotal role in determining how much individuals and businesses pay for loans and how much they earn on savings. To illustrate the importance of the basing rate, consider a scenario where a central bank decides to lower this rate. This action typically aims to stimulate economic growth by making borrowing cheaper. When the basing rate decreases, banks can offer loans at lower interest rates, encouraging consumers to borrow more for big-ticket items like homes and cars. Additionally, businesses may take advantage of lower borrowing costs to invest in expansion and new projects, which can lead to job creation and increased economic activity.Conversely, if the central bank raises the basing rate, it usually signals an effort to curb inflation. Higher interest rates make borrowing more expensive, which can slow down consumer spending and business investments. For example, if individuals find that their mortgage rates have increased due to a rise in the basing rate, they might postpone buying a new home or renovating their current one. Similarly, businesses might delay plans for expansion if the cost of financing becomes too high.The relationship between the basing rate and inflation is a critical aspect of economic policy. Central banks closely monitor inflation rates and adjust the basing rate accordingly to maintain price stability. A stable economy is essential for fostering confidence among consumers and investors, which ultimately contributes to sustainable growth.Moreover, the basing rate influences not only loans but also savings accounts. When the basing rate is low, banks may offer lower interest rates on savings accounts, which can discourage saving. Conversely, a higher basing rate can encourage saving as individuals seek to earn better returns on their deposits. This dynamic illustrates how the basing rate affects both sides of the economic equation: borrowers and savers.In summary, the basing rate is a fundamental concept in understanding monetary policy and its impact on the economy. Whether it is through influencing borrowing costs, affecting savings rates, or managing inflation, the basing rate serves as a critical tool for central banks in steering economic performance. As individuals and businesses navigate the complexities of the financial landscape, a solid grasp of the basing rate and its implications can empower them to make better financial decisions and contribute to overall economic stability.

在金融和经济的世界中，理解各种术语对做出明智的决策至关重要。其中一个经常出现在有关利率和货币政策讨论中的术语是basing rate。basing rate指的是中央银行或金融机构设定的最低利率，它作为经济中其他利率的基准。它在决定个人和企业贷款支付多少以及在储蓄上赚取多少方面发挥着关键作用。为了说明basing rate的重要性，考虑一个中央银行决定降低这一利率的场景。这一举措通常旨在通过降低借贷成本来刺激经济增长。当basing rate下降时，银行可以以较低的利率提供贷款，从而鼓励消费者借款购买房屋和汽车等大宗商品。此外，企业可能会利用较低的借贷成本进行扩张和新项目投资，这可能导致创造就业机会和增加经济活动。相反，如果中央银行提高basing rate，这通常意味着试图遏制通货膨胀的努力。更高的利率使借款变得更加昂贵，这可能会减缓消费者支出和商业投资。例如，如果个人发现由于basing rate的上升，他们的抵押贷款利率增加，他们可能会推迟购买新房或翻新现有房屋。同样，如果融资成本过高，企业可能会延迟扩张计划。basing rate与通货膨胀之间的关系是经济政策的关键方面。中央银行密切关注通货膨胀率，并相应调整basing rate以维持价格稳定。稳定的经济对于促进消费者和投资者的信心至关重要，这最终有助于可持续增长。此外，basing rate不仅影响贷款，也影响储蓄账户。当basing rate较低时，银行可能会提供较低的储蓄账户利率，这可能会抑制储蓄。相反，更高的basing rate可能会鼓励储蓄，因为个人希望在存款上获得更好的回报。这种动态说明了basing rate如何影响经济方程的两侧：借款人和储蓄者。总之，basing rate是理解货币政策及其对经济影响的基本概念。无论是通过影响借贷成本、影响储蓄利率还是管理通货膨胀，basing rate都是中央银行引导经济表现的关键工具。当个人和企业在复杂的金融环境中航行时，牢固掌握basing rate及其影响可以使他们做出更好的财务决策，并为整体经济稳定做出贡献。