percent per annum

简明释义

每年百分比

英英释义

例句

1.Our investment plan guarantees a growth rate of 4 percent per annum.

我们的投资计划保证每年增长率为4%。

2.The loan has an interest rate of 7 percent per annum, which is quite competitive.

这笔贷款的利率为每年7%，相当有竞争力。

3.If you invest in this bond, you can expect a return of 3 percent per annum.

如果你投资于这只债券，你可以预期获得每年3%的回报。

4.You will earn 2.5 percent per annum on your fixed deposit.

你的定期存款将获得每年2.5%的利息。

5.The bank offers a savings account with an interest rate of 5 percent per annum.

这家银行提供的储蓄账户年利率为5%每年。

作文

Understanding financial terms is crucial for anyone looking to manage their money effectively. One such term that often arises in financial discussions is percent per annum. This phrase is commonly used in the context of interest rates, loans, and investments. To grasp its meaning, we must break it down into its components. The word 'percent' refers to a portion of 100, indicating how much of something is being considered. 'Per annum' is a Latin term that translates to 'per year'. Therefore, when we say percent per annum, we are essentially talking about an annual rate expressed as a percentage.For instance, if a bank offers a savings account with an interest rate of 5% per annum, it means that for every $100 deposited, the account holder will earn $5 in interest over the course of a year. This simple calculation highlights the importance of understanding this term, especially when comparing different financial products. Knowing the percent per annum allows individuals to make informed decisions about where to save or invest their money.In addition to savings accounts, percent per annum is also relevant in the context of loans. When borrowing money, lenders typically charge interest based on a percent per annum rate. For example, if you take out a loan of $1,000 at an interest rate of 10% per annum, you would owe $100 in interest after one year. This can significantly impact the total amount you repay over time, especially if the loan has a long duration or if the interest compounds.Understanding how percent per annum works is essential not only for individuals but also for businesses. Companies often rely on loans for expansion, and the interest rates they agree to can affect their profitability. A lower percent per annum means less money spent on interest, allowing more funds to be allocated towards growth and development.Moreover, the concept of percent per annum is also vital in investment scenarios. Investors need to know the expected return on their investments, which is often expressed as a percent per annum. For example, if an investment is projected to yield a return of 8% per annum, this gives investors a clear expectation of how much they might earn over time. Understanding these percentages helps investors assess the risk and potential reward associated with various investment opportunities.In conclusion, the term percent per annum plays a significant role in personal finance, lending, and investing. It provides a clear framework for understanding how interest rates work and how they can impact both savings and borrowing. By mastering this terminology, individuals can make better financial decisions, ensuring they maximize their savings and minimize their costs. In today’s financial landscape, being informed about terms like percent per annum is not just beneficial; it is essential for achieving financial success.

理解金融术语对于任何希望有效管理自己资金的人来说都是至关重要的。其中一个常常出现在金融讨论中的术语是每年百分比。这个短语通常在利率、贷款和投资的背景下使用。为了掌握其含义，我们必须将其分解为几个部分。“百分比”一词指的是100的一个部分，表示所考虑的事物的多少。“每年”是一个拉丁词，翻译为“每年”。因此，当我们说每年百分比时，我们实际上是在谈论以百分比表示的年度利率。例如，如果一家银行提供的储蓄账户利率为5%每年，这意味着每存入100美元，账户持有人将在一年内获得5美元的利息。这一简单的计算突显了理解这一术语的重要性，尤其是在比较不同金融产品时。了解每年百分比使个人能够对在哪里存钱或投资做出明智的决策。除了储蓄账户，每年百分比在贷款的背景下也很相关。当借款时，贷方通常根据每年百分比利率收取利息。例如，如果你以10%的利率借款1000美元每年，那么在一年后你将欠100美元的利息。这会显著影响你随时间偿还的总金额，特别是如果贷款期限较长或利息复利。理解每年百分比的运作方式对个人和企业都至关重要。公司通常依赖贷款进行扩展，他们同意的利率会影响他们的盈利能力。较低的每年百分比意味着在利息上花费更少的钱，从而允许更多的资金用于增长和发展。此外，每年百分比的概念在投资场景中也至关重要。投资者需要了解他们投资的预期回报，这通常以每年百分比表示。例如，如果某项投资预计将产生8%的回报每年，这为投资者提供了明确的预期，了解他们可能在未来获得多少收益。理解这些百分比有助于投资者评估各种投资机会的风险和潜在回报。总之，每年百分比这个术语在个人财务、借贷和投资中扮演着重要角色。它提供了一个清晰的框架来理解利率如何运作，以及它们如何影响储蓄和借款。通过掌握这一术语，个人可以做出更好的财务决策，确保最大限度地提高储蓄并降低成本。在今天的金融环境中，了解像每年百分比这样的术语不仅有益，而是实现财务成功的必要条件。