Lombard rate

简明释义

证券抵押、短期放款利率［英国］

英英释义

例句

1.A rise in the Lombard rate often signals tighter monetary policy from the central bank.

再贴现率的上升通常预示着中央银行收紧货币政策。

2.Many financial institutions monitor the Lombard rate closely to inform their lending strategies.

许多金融机构密切关注再贴现率以指导其贷款策略。

3.The central bank adjusted the Lombard rate to encourage borrowing during the economic downturn.

中央银行调整了再贴现率以鼓励在经济低迷期间的借贷。

4.Investors may react negatively to changes in the Lombard rate, fearing increased borrowing costs.

投资者可能会对再贴现率的变化做出负面反应，担心借贷成本上升。

5.The Lombard rate is a crucial tool for central banks to manage liquidity in the financial system.

再贴现率是中央银行管理金融系统流动性的关键工具。

作文

The term Lombard rate refers to the interest rate at which central banks lend money to commercial banks, typically against collateral. This concept is crucial in understanding the mechanics of monetary policy and the functioning of financial systems. The Lombard rate serves as a tool for central banks to control liquidity in the market and influence economic activity. By adjusting this rate, central banks can either encourage borrowing and spending during economic downturns or curb inflation by making loans more expensive during periods of rapid economic growth.In many countries, the Lombard rate acts as a benchmark for other interest rates in the economy. When the central bank raises the Lombard rate, it often leads to an increase in the rates charged by commercial banks to their customers, including mortgages and personal loans. Conversely, lowering the Lombard rate can stimulate economic growth by making borrowing cheaper for businesses and consumers.Understanding the implications of the Lombard rate is essential for investors and policymakers alike. For instance, during times of financial crisis, central banks may lower the Lombard rate to encourage lending and support the economy. This was evident during the 2008 financial crisis when many central banks worldwide slashed their Lombard rates to historic lows in an effort to stabilize their economies.Moreover, the Lombard rate can also influence exchange rates. A higher Lombard rate may attract foreign investment, as higher returns on savings and investments become available. This influx of capital can lead to an appreciation of the national currency, which can have both positive and negative effects on exports and imports.In addition to its role in monetary policy, the Lombard rate is also significant in the context of financial stability. By providing a safety net for commercial banks, the Lombard rate ensures that banks have access to emergency funding if needed. This mechanism helps to prevent bank runs and maintain confidence in the banking system.In conclusion, the Lombard rate is a vital component of economic policy and financial markets. It not only influences borrowing costs and economic activity but also serves as a barometer for the overall health of the financial system. Understanding the intricacies of the Lombard rate can provide valuable insights into economic trends and help individuals and businesses make informed financial decisions. As we navigate through the complexities of today's global economy, the significance of the Lombard rate cannot be overstated, as it remains a key tool for managing economic stability and growth.

Lombard rate是指中央银行向商业银行贷款的利率，通常以抵押品作为担保。这个概念对于理解货币政策的机制和金融系统的运作至关重要。Lombard rate作为中央银行控制市场流动性和影响经济活动的工具，通过调整这一利率，中央银行可以在经济低迷时期鼓励借贷和消费，或者在经济快速增长期间通过提高贷款成本来抑制通货膨胀。在许多国家，Lombard rate充当了经济中其他利率的基准。当中央银行提高Lombard rate时，通常会导致商业银行对客户收取的利率上升，包括抵押贷款和个人贷款。相反，降低Lombard rate可以通过降低企业和消费者的借贷成本来刺激经济增长。理解Lombard rate的影响对于投资者和政策制定者都至关重要。例如，在金融危机时期，中央银行可能会降低Lombard rate以鼓励借贷并支持经济。这在2008年金融危机期间尤为明显，当时全球许多中央银行将其Lombard rate削减至历史低点，以稳定经济。此外，Lombard rate还可以影响汇率。较高的Lombard rate可能吸引外资，因为储蓄和投资的回报变得更高。这种资本流入可能导致本国货币升值，这对出口和进口都有正面和负面的影响。除了在货币政策中的作用外，Lombard rate在金融稳定的背景下也具有重要意义。通过为商业银行提供安全网，Lombard rate确保银行在需要时能够获得紧急资金。这一机制有助于防止银行挤兑，并维护公众对银行系统的信心。总之，Lombard rate是经济政策和金融市场的重要组成部分。它不仅影响借贷成本和经济活动，还作为金融系统整体健康状况的晴雨表。理解Lombard rate的复杂性可以为经济趋势提供宝贵的见解，并帮助个人和企业做出明智的财务决策。在我们应对当今全球经济的复杂性时，Lombard rate的重要性不容小觑，因为它仍然是管理经济稳定和增长的关键工具。