Hong Kong Interbank Offered Rate

简明释义

香港银行同业拆息

英英释义

例句

1.The bank adjusted its interest rates in accordance with the changes in the Hong Kong Interbank Offered Rate (香港银行同业拆息).

银行根据香港银行同业拆息的变化调整了其利率。

2.Financial analysts predict that the Hong Kong Interbank Offered Rate (香港银行同业拆息) will rise in the coming months.

金融分析师预测，未来几个月香港银行同业拆息将会上升。

3.Changes in the Hong Kong Interbank Offered Rate (香港银行同业拆息) can affect mortgage rates across the region.

香港银行同业拆息的变化可能会影响整个地区的抵押贷款利率。

4.Investors often monitor the Hong Kong Interbank Offered Rate (香港银行同业拆息) to gauge market liquidity.

投资者通常监测香港银行同业拆息以评估市场流动性。

5.The Hong Kong Interbank Offered Rate (香港银行同业拆息) is a crucial benchmark for short-term loans.

香港银行同业拆息是短期贷款的重要基准。

作文

The financial world is filled with various terms and indicators that help investors and institutions gauge the health of economies and make informed decisions. One such term that is particularly important in Hong Kong's financial landscape is the Hong Kong Interbank Offered Rate. This rate, commonly abbreviated as HIBOR, represents the interest rate at which banks in Hong Kong lend to one another. It is a crucial benchmark for various financial products, including mortgages, loans, and derivatives. Understanding the Hong Kong Interbank Offered Rate is essential for anyone involved in finance or investment in the region.To comprehend the significance of the Hong Kong Interbank Offered Rate, it is vital to recognize its role in the broader context of interest rates. Interest rates are a fundamental aspect of economics, influencing consumer spending, business investments, and overall economic growth. In Hong Kong, the HIBOR serves as a reference point for determining the cost of borrowing money. When banks assess the risk of lending to each other, they consider factors such as creditworthiness and liquidity. The resulting HIBOR reflects these considerations and provides a transparent measure of the interbank lending market.The Hong Kong Interbank Offered Rate is calculated daily based on the rates at which major banks in Hong Kong are willing to lend funds to one another. It is published by the Hong Kong Association of Banks and is available in different tenors, ranging from overnight to one year. This variety allows borrowers and lenders to choose the most appropriate rate based on their specific needs and timeframes. For instance, a short-term loan might use the overnight HIBOR, while a long-term mortgage could be linked to the one-year HIBOR.One of the critical aspects of the Hong Kong Interbank Offered Rate is its relationship with the Hong Kong Monetary Authority (HKMA). The HKMA is responsible for maintaining monetary stability in Hong Kong and uses the HIBOR as part of its monetary policy toolkit. By influencing the HIBOR through various monetary policy measures, the HKMA can impact the overall interest rates in the economy, thereby affecting inflation and economic growth.Additionally, the HIBOR is closely monitored by investors and financial analysts as it can serve as an indicator of market sentiment and economic conditions. A rising HIBOR may signal increased demand for loans or tighter liquidity in the banking system, while a falling HIBOR may suggest the opposite. As such, understanding the trends and movements of the Hong Kong Interbank Offered Rate can provide valuable insights into the overall economic environment.In conclusion, the Hong Kong Interbank Offered Rate is a vital component of Hong Kong's financial system. It not only serves as a benchmark for interbank lending but also reflects the broader economic conditions within the region. For investors, businesses, and financial professionals, mastering the intricacies of the HIBOR is essential for making informed decisions and navigating the complex world of finance. As the economic landscape continues to evolve, keeping a close eye on the Hong Kong Interbank Offered Rate will remain crucial for understanding the dynamics of the financial markets in Hong Kong.

金融世界充满了各种术语和指标，帮助投资者和机构评估经济的健康状况，并做出明智的决策。在香港金融领域中，一个特别重要的术语是香港银行间拆借利率。这个利率通常缩写为HIBOR，代表香港银行之间相互借贷的利率。它是各种金融产品的重要基准，包括抵押贷款、贷款和衍生品。理解香港银行间拆借利率对任何参与该地区金融或投资的人来说都是至关重要的。要理解香港银行间拆借利率的重要性，首先要认识到它在更广泛的利率背景中的作用。利率是经济学的基本方面，影响消费者支出、商业投资和整体经济增长。在香港，HIBOR作为确定借款成本的参考点。当银行评估相互借贷的风险时，它们会考虑信用worthiness和流动性等因素。最终的HIBOR反映了这些考虑，并提供了一个透明的银行间借贷市场的衡量标准。香港银行间拆借利率是根据香港主要银行之间愿意借贷资金的利率每日计算的。它由香港银行协会发布，并且有不同的期限，从隔夜到一年不等。这种多样性使借款人和贷款人能够根据他们的具体需求和时间框架选择最合适的利率。例如，短期贷款可能使用隔夜HIBOR，而长期抵押贷款则可能与一年HIBOR挂钩。香港银行间拆借利率的一个关键方面是它与香港金融管理局（HKMA）的关系。HKMA负责维护香港的货币稳定，并将HIBOR作为其货币政策工具的一部分。通过各种货币政策措施影响HIBOR，HKMA可以影响经济中的整体利率，从而影响通货膨胀和经济增长。此外，投资者和金融分析师密切关注HIBOR，因为它可以作为市场情绪和经济状况的指标。上涨的HIBOR可能表明对贷款的需求增加或银行系统流动性紧张，而下跌的HIBOR可能表明相反。因此，理解香港银行间拆借利率的趋势和变动可以为整体经济环境提供有价值的见解。总之，香港银行间拆借利率是香港金融体系的重要组成部分。它不仅作为银行间借贷的基准，还反映了该地区更广泛的经济状况。对于投资者、企业和金融专业人士来说，掌握HIBOR的复杂性对于做出明智的决策和驾驭复杂的金融世界至关重要。随着经济格局的不断演变，密切关注香港银行间拆借利率仍将对理解香港金融市场的动态至关重要。