rate of interest

简明释义

利率

英英释义

例句

1.The bank offers a competitive rate of interest on savings accounts.

银行对储蓄账户提供有竞争力的利率。

2.Before taking out a loan, it's crucial to compare the rate of interest from different lenders.

在申请贷款之前，比较不同贷方的利率是至关重要的。

3.A lower rate of interest can save you a lot of money over the life of a mortgage.

较低的利率可以在抵押贷款的整个期间节省大量资金。

4.Investors often look for bonds with a higher rate of interest to maximize their returns.

投资者通常寻找具有更高利率的债券以最大化他们的回报。

5.The rate of interest set by the central bank influences the economy significantly.

中央银行设定的利率对经济产生重大影响。

作文

Understanding the concept of the rate of interest is crucial for anyone who wishes to manage their finances effectively. The rate of interest refers to the percentage charged on a loan or paid on an investment over a specific period. It is a fundamental principle in economics and finance, influencing decisions made by individuals and businesses alike.When we borrow money from a bank or any financial institution, we are usually required to pay back not only the principal amount but also an additional amount known as interest. This additional amount is calculated based on the rate of interest. For instance, if someone takes out a loan of $1,000 at an annual rate of interest of 5%, they will have to pay back $1,050 after one year. Understanding this concept helps borrowers make informed decisions about which loans to take and how much they will ultimately end up paying.On the other hand, when we invest our money, the rate of interest also plays a pivotal role. Financial institutions offer interest on savings accounts, bonds, and other investment vehicles. The higher the rate of interest, the more money we can potentially earn on our investments. For example, if we invest $1,000 in a savings account with a rate of interest of 3% per annum, we will earn $30 in interest after one year. This incentive encourages individuals to save rather than spend, contributing to personal financial growth.Moreover, the rate of interest is influenced by various economic factors, including inflation, central bank policies, and market demand for credit. Central banks, such as the Federal Reserve in the United States, adjust interest rates to control economic activity. When the economy is booming, they may increase the rate of interest to curb spending and inflation. Conversely, during a recession, lowering the rate of interest can stimulate borrowing and investment, helping to revive the economy.In conclusion, the rate of interest is a vital aspect of financial literacy that affects both personal and economic decision-making. By understanding how it works, individuals can better navigate the world of loans and investments. Whether you are borrowing money or saving for the future, being aware of the rate of interest allows you to make choices that align with your financial goals. As we continue to learn and adapt in a constantly changing financial landscape, grasping the significance of the rate of interest will empower us to take control of our financial destinies.

理解“利率”这一概念对于任何希望有效管理财务的人来说都是至关重要的。“利率”指的是在特定期间内对贷款收取或对投资支付的百分比。这是经济学和金融学中的一个基本原则，影响着个人和企业的决策。当我们从银行或任何金融机构借钱时，通常需要偿还的不仅是本金，还要额外支付一笔称为利息的金额。这个额外金额是根据“利率”计算的。例如，如果某人以5%的年“利率”借款1000美元，他们在一年后需要偿还1050美元。理解这一概念有助于借款人做出明智的决定，选择借哪种贷款以及最终会支付多少。另一方面，当我们投资我们的资金时，“利率”同样发挥着关键作用。金融机构为储蓄账户、债券和其他投资工具提供利息。“利率”越高，我们在投资中潜在赚取的钱就越多。例如，如果我们将1000美元投资于年利率为3%的储蓄账户，那么一年后我们将赚取30美元的利息。这种激励措施鼓励个人储蓄而不是消费，从而促进个人财务增长。此外，“利率”受多种经济因素的影响，包括通货膨胀、中央银行政策和市场对信贷的需求。中央银行，如美国的联邦储备系统，通过调整利率来控制经济活动。当经济繁荣时，他们可能会提高“利率”以抑制支出和通货膨胀。相反，在经济衰退期间，降低“利率”可以刺激借贷和投资，帮助复苏经济。总之，“利率”是影响个人和经济决策的重要财务素养方面。通过理解其运作方式，个人可以更好地驾驭贷款和投资的世界。无论是借钱还是为未来储蓄，了解“利率”都能让您做出与财务目标相一致的选择。随着我们在不断变化的金融环境中不断学习和适应，掌握“利率”的重要性将使我们能够掌控自己的财务命运。