bank rate

简明释义

银行贴现率

英英释义

例句

1.When the bank rate is low, borrowing becomes cheaper for consumers.

当银行利率较低时，消费者借款变得更便宜。

2.Investors often watch the bank rate closely as it affects stock market performance.

投资者通常密切关注银行利率，因为它影响股市表现。

3.A change in the bank rate can have a significant impact on mortgage rates.

对银行利率的改变可能会对抵押贷款利率产生重大影响。

4.The government announced that the bank rate would remain unchanged this quarter.

政府宣布本季度银行利率将保持不变。

5.The central bank decided to raise the bank rate to curb inflation.

中央银行决定提高银行利率以遏制通货膨胀。

作文

The concept of the bank rate is crucial in understanding how monetary policy works in an economy. The bank rate, also known as the discount rate, is the interest rate at which a nation's central bank lends money to domestic banks. This rate serves as a benchmark for other interest rates in the economy, influencing borrowing and lending behaviors among financial institutions and consumers alike. When the bank rate is low, it encourages banks to borrow more from the central bank, which in turn allows them to offer lower interest rates on loans to businesses and individuals. This can stimulate economic growth by making credit more accessible. Conversely, when the bank rate is high, borrowing costs increase, potentially slowing down economic activity as both banks and consumers become more cautious about taking on debt.Understanding the implications of changes in the bank rate is essential for anyone interested in economics or finance. For example, during periods of economic downturn, central banks may lower the bank rate to encourage spending and investment. This strategy is often referred to as expansionary monetary policy. On the other hand, if an economy is overheating—characterized by high inflation—the central bank may decide to raise the bank rate in order to cool down the economy and stabilize prices. This approach is known as contractionary monetary policy.The relationship between the bank rate and inflation is particularly significant. A lower bank rate can lead to higher inflation if it results in increased spending and borrowing. This is because more money in circulation can drive up prices. Conversely, a higher bank rate can help control inflation by reducing the amount of money available for spending. Therefore, central banks must carefully consider their decisions regarding the bank rate, balancing the need for economic growth with the necessity of maintaining price stability.In addition to its effects on inflation and economic growth, the bank rate also has implications for exchange rates. A change in the bank rate can influence investor perceptions of a country's economic stability and attractiveness. For instance, if a country raises its bank rate, it may attract foreign investment as investors seek higher returns on their capital. This influx of foreign capital can lead to an appreciation of the national currency. Conversely, a lower bank rate might deter investment, leading to a depreciation of the currency.In conclusion, the bank rate is a vital tool used by central banks to influence economic activity, control inflation, and manage currency values. By adjusting the bank rate, central banks can affect the flow of money within the economy, impacting everything from consumer spending to international trade. Understanding the dynamics of the bank rate is essential for anyone looking to grasp the complexities of modern economics. As such, it is important for students, professionals, and policymakers alike to stay informed about changes in the bank rate and their broader implications for the economy.

理解银行利率的概念对于了解货币政策在经济中如何运作至关重要。银行利率，也称为贴现率，是国家中央银行向国内银行借贷资金时所设定的利率。这个利率作为经济中其他利率的基准，影响着金融机构和消费者之间的借贷行为。当银行利率较低时，它鼓励银行从中央银行借入更多资金，从而使它们能够以更低的利率向企业和个人提供贷款。这可以通过使信贷更容易获得来刺激经济增长。相反，当银行利率较高时，借贷成本增加，可能会减缓经济活动，因为银行和消费者都变得更加谨慎，不愿意承担债务。理解银行利率变化的影响对于任何对经济或金融感兴趣的人来说都是必不可少的。例如，在经济衰退期间，中央银行可能会降低银行利率以鼓励支出和投资。这种策略通常被称为扩张性货币政策。另一方面，如果经济过热——特征是高通胀——中央银行可能决定提高银行利率，以冷却经济并稳定物价。这种方法被称为紧缩性货币政策。银行利率与通货膨胀之间的关系尤其显著。较低的银行利率如果导致支出和借贷增加，可能会导致更高的通货膨胀。这是因为流通中的货币增多可能会推高价格。相反，较高的银行利率可以通过减少可用于支出的货币量来帮助控制通货膨胀。因此，中央银行必须仔细考虑其关于银行利率的决策，平衡经济增长的需要与维持价格稳定的必要性。除了对通货膨胀和经济增长的影响外，银行利率还对汇率产生影响。银行利率的变化可以影响投资者对一个国家经济稳定性和吸引力的看法。例如，如果一个国家提高其银行利率，可能会吸引外国投资，因为投资者寻求更高的资本回报。这种外国资本的涌入可能导致国家货币升值。相反，较低的银行利率可能会阻碍投资，导致货币贬值。总之，银行利率是中央银行用来影响经济活动、控制通货膨胀和管理货币价值的重要工具。通过调整银行利率，中央银行可以影响经济中的资金流动，影响从消费者支出到国际贸易的方方面面。理解银行利率的动态对于任何希望掌握现代经济复杂性的人来说都是至关重要的。因此，学生、专业人士和决策者都应保持对银行利率变化及其对经济更广泛影响的关注。