central bank rate

简明释义

中央银行利率

英英释义

例句

1.Investors are closely watching the central bank rate for signs of inflation.

投资者密切关注中央银行利率以寻找通胀的迹象。

2.A rise in the central bank rate usually leads to higher borrowing costs for consumers.

中央银行利率的上升通常会导致消费者借贷成本增加。

3.Many businesses adjust their interest rates based on the central bank rate changes.

许多企业根据中央银行利率的变化调整其利率。

4.The government announced a change in the central bank rate to stimulate economic growth.

政府宣布调整中央银行利率以刺激经济增长。

5.The central bank rate is a critical tool for controlling monetary policy.

中央银行利率是控制货币政策的重要工具。

作文

The concept of the central bank rate is crucial for understanding monetary policy and its impact on the economy. The central bank rate, often referred to as the interest rate set by a nation's central bank, is a tool used to influence economic activity. When the central bank rate is low, borrowing becomes cheaper, which encourages spending and investment by individuals and businesses. Conversely, when the central bank rate is high, it can lead to reduced borrowing and spending, cooling down an overheated economy. This mechanism is vital for maintaining economic stability and controlling inflation.Central banks, such as the Federal Reserve in the United States or the European Central Bank in the Eurozone, adjust the central bank rate based on various economic indicators. These indicators include inflation rates, unemployment levels, and overall economic growth. For instance, during periods of high inflation, a central bank may decide to increase the central bank rate to curb excessive spending and stabilize prices. On the other hand, in times of economic downturn, lowering the central bank rate can stimulate growth by making loans more accessible.The decision-making process behind adjusting the central bank rate is complex and involves extensive analysis. Central banks often hold meetings where they assess the current economic conditions, forecast future trends, and evaluate the potential impacts of changing the central bank rate. These decisions are communicated to the public to manage expectations and maintain confidence in the financial system.Moreover, the central bank rate has a ripple effect throughout the economy. It directly influences other interest rates, such as those for mortgages, car loans, and savings accounts. For example, when the central bank rate is lowered, banks typically follow suit by reducing their lending rates, making it more affordable for consumers to borrow money. This increased access to credit can lead to higher consumer spending, which in turn drives economic growth.However, the relationship between the central bank rate and the economy is not always straightforward. External factors, such as global economic conditions, geopolitical events, and changes in consumer behavior, can also play significant roles in shaping economic outcomes. Therefore, while the central bank rate is a powerful tool, it is just one piece of a larger puzzle.In conclusion, understanding the central bank rate is essential for anyone interested in economics or finance. It serves as a barometer for economic health and is a primary instrument for central banks to achieve their goals of price stability and full employment. By manipulating the central bank rate, central banks can guide the economy through various phases of growth and contraction, making it a pivotal aspect of modern monetary policy. As we continue to navigate an ever-changing economic landscape, the importance of the central bank rate will remain a key focal point for policymakers and economists alike.

中央银行利率的概念对于理解货币政策及其对经济的影响至关重要。中央银行利率，通常指一个国家中央银行设定的利率，是用来影响经济活动的工具。当中央银行利率较低时，借贷变得便宜，这鼓励个人和企业的消费和投资。相反，当中央银行利率较高时，可能导致借贷和消费减少，从而使过热的经济降温。这一机制对于维持经济稳定和控制通货膨胀至关重要。中央银行，如美国的联邦储备系统或欧元区的欧洲中央银行，会根据各种经济指标调整中央银行利率。这些指标包括通货膨胀率、失业水平和整体经济增长。例如，在高通货膨胀时期，中央银行可能决定提高中央银行利率以抑制过度消费，稳定物价。另一方面，在经济衰退时，降低中央银行利率可以通过使贷款更容易获得来刺激增长。调整中央银行利率的决策过程复杂，涉及广泛的分析。中央银行通常会召开会议，评估当前经济状况，预测未来趋势，并评估改变中央银行利率的潜在影响。这些决策会传达给公众，以管理预期并维持金融系统的信心。此外，中央银行利率在经济中具有连锁反应。它直接影响其他利率，例如抵押贷款、汽车贷款和储蓄账户的利率。例如，当中央银行利率降低时，银行通常会跟随降低其贷款利率，使消费者借钱变得更加实惠。这种信贷的增加可以导致消费者支出增加，从而推动经济增长。然而，中央银行利率与经济之间的关系并不总是简单明了。外部因素，如全球经济状况、地缘政治事件以及消费者行为的变化，也可能在塑造经济结果中发挥重要作用。因此，虽然中央银行利率是一个强有力的工具，但它只是更大拼图中的一部分。总之，理解中央银行利率对于任何对经济或金融感兴趣的人都至关重要。它作为经济健康的晴雨表，是中央银行实现价格稳定和充分就业目标的主要工具。通过操控中央银行利率，中央银行可以引导经济经历各种增长和收缩阶段，使其成为现代货币政策的关键方面。在我们继续应对不断变化的经济环境时，中央银行利率的重要性将始终是政策制定者和经济学家关注的焦点。