bank rate

简明释义

银行贴现率

英英释义

例句

1.Many mortgage rates are influenced by the current bank rate set by the central bank.

许多抵押贷款利率受到中央银行当前设定的银行利率的影响。

2.Investors closely monitor changes in the bank rate as it can affect stock market trends.

投资者密切关注银行利率的变化，因为这可能影响股市趋势。

3.A decrease in the bank rate often leads to increased consumer spending.

银行利率的下降通常会导致消费者支出增加。

4.When the bank rate increases, borrowing costs for consumers also rise.

当银行利率上升时，消费者的借贷成本也会增加。

5.The central bank decided to lower the bank rate to stimulate economic growth.

中央银行决定降低银行利率以刺激经济增长。

作文

The concept of the bank rate is fundamental in understanding the financial landscape of any economy. The bank rate refers to the interest rate at which a central bank lends money to commercial banks. This rate plays a crucial role in influencing the overall economic activity, as it directly affects the rates that banks charge their customers for loans and the interest they offer on deposits. When the bank rate is lowered, borrowing becomes cheaper, encouraging consumers and businesses to take loans. This can lead to increased spending and investment, which in turn stimulates economic growth. Conversely, when the bank rate is raised, borrowing costs increase, which may slow down spending and investment, potentially leading to an economic downturn.In many countries, the central bank adjusts the bank rate as part of its monetary policy to control inflation and stabilize the currency. For instance, if inflation is rising too quickly, a central bank may decide to increase the bank rate to discourage borrowing and spending. This can help cool down an overheating economy. On the other hand, during periods of economic recession, lowering the bank rate can provide relief by making credit more accessible, thereby encouraging economic activity.Understanding the implications of the bank rate is essential for both individuals and businesses. For individuals, changes in the bank rate can affect mortgage rates, personal loan rates, and savings account interest rates. For businesses, the bank rate influences the cost of financing operations and expansion plans. Therefore, keeping an eye on the bank rate can help stakeholders make informed financial decisions.Moreover, the bank rate is often seen as a signal of the central bank's assessment of the economy. A rising bank rate may indicate that the central bank is concerned about inflation or an overheated economy, while a falling bank rate might suggest that the bank is trying to stimulate economic growth. Investors closely monitor changes in the bank rate as it can affect stock market performance and currency values.In conclusion, the bank rate is a vital tool used by central banks to manage the economy. Its impact reaches far beyond the banking sector, affecting every aspect of economic life, from consumer spending to business investment. Understanding the bank rate and its implications can empower individuals and businesses to navigate the complex world of finance more effectively. As we continue to witness economic fluctuations, staying informed about changes in the bank rate will remain essential for making sound financial decisions.

“银行利率”的概念在理解任何经济体的金融环境中至关重要。“银行利率”是指中央银行向商业银行借贷资金时所收取的利率。这个利率在影响整体经济活动方面发挥着关键作用，因为它直接影响银行向客户收取贷款的利率以及他们在存款上提供的利息。当“银行利率”降低时，借款变得便宜，这鼓励消费者和企业贷款。这可能导致支出和投资的增加，从而刺激经济增长。相反，当“银行利率”上升时，借款成本增加，这可能会减缓支出和投资，潜在地导致经济衰退。在许多国家，中央银行会根据货币政策调整“银行利率”，以控制通货膨胀和稳定货币。例如，如果通货膨胀上升过快，中央银行可能会决定提高“银行利率”，以抑制借贷和支出。这有助于冷却过热的经济。另一方面，在经济衰退期间，降低“银行利率”可以通过使信贷更容易获得来提供缓解，从而鼓励经济活动。理解“银行利率”的影响对个人和企业都至关重要。对于个人而言，“银行利率”的变化会影响抵押贷款利率、个人贷款利率和储蓄账户利率。对于企业而言，“银行利率”影响融资运营和扩展计划的成本。因此，关注“银行利率”的变化可以帮助利益相关者做出明智的财务决策。此外，“银行利率”通常被视为中央银行对经济评估的信号。“银行利率”的上升可能表明中央银行对通货膨胀或过热经济的担忧，而“银行利率”的下降可能表明银行试图刺激经济增长。投资者密切关注“银行利率”的变化，因为这可能影响股市表现和货币价值。总之，“银行利率”是中央银行管理经济的重要工具。它的影响远远超出了银行业，影响着经济生活的方方面面，从消费者支出到商业投资。理解“银行利率”及其影响可以使个人和企业更有效地应对复杂的金融世界。随着我们继续目睹经济波动，保持对“银行利率”变化的了解将始终对做出合理的财务决策至关重要。