prime rate

简明释义

头等利率

英英释义

例句

1.The bank announced that the prime rate 基准利率 will remain unchanged for the next quarter.

银行宣布，基准利率 prime rate将在下一个季度保持不变。

2.The prime rate 基准利率 is a key indicator of the overall health of the economy.

基准利率 prime rate是经济整体健康状况的重要指标。

3.Home equity loans often have interest rates that are based on the prime rate 基准利率.

房屋净值贷款的利率通常基于基准利率 prime rate。

4.When the economy is strong, the prime rate 基准利率 tends to rise.

当经济强劲时，基准利率 prime rate往往会上升。

5.Many loans are tied to the prime rate 基准利率, which affects how much interest borrowers pay.

许多贷款与基准利率 prime rate挂钩，这影响借款人支付的利息多少。

作文

The term prime rate refers to the interest rate that commercial banks charge their most creditworthy customers, typically large corporations. This rate is often used as a benchmark for various lending products, including personal loans, mortgages, and small business loans. Understanding the prime rate is crucial for both consumers and businesses, as it can significantly impact borrowing costs and overall economic activity.Historically, the prime rate has fluctuated based on economic conditions and monetary policy decisions made by central banks, such as the Federal Reserve in the United States. When the economy is strong and inflation is rising, central banks may increase the prime rate to cool down economic activity and prevent overheating. Conversely, during periods of economic downturn or recession, they may lower the prime rate to stimulate borrowing and investment.For consumers, the prime rate plays a vital role in determining the interest rates they will pay on various loans. For example, if a bank sets its mortgage rates at a certain percentage above the prime rate, any changes to this benchmark rate will directly affect the cost of home loans. Therefore, when the prime rate rises, borrowers can expect to pay more in interest, which can lead to increased monthly payments and a heavier financial burden.Businesses also closely monitor the prime rate, as it influences their financing options. Companies often rely on loans for expansion, operations, and other essential activities. A higher prime rate means that the cost of borrowing increases, which can deter businesses from taking out loans for growth initiatives. As a result, fluctuations in the prime rate can have ripple effects throughout the economy, affecting job creation, consumer spending, and overall economic growth.Moreover, the prime rate is not set in isolation; it is influenced by various factors, including the overall economic environment, inflation rates, and the policies of the central bank. For instance, if the central bank signals that it intends to raise interest rates due to rising inflation, banks may preemptively increase their prime rate in anticipation of higher borrowing costs. This interconnectedness illustrates how the prime rate serves as a barometer for the health of the economy.In conclusion, the prime rate is a critical indicator of the lending landscape in the financial system. Its movements can influence borrowing costs for consumers and businesses alike, shaping economic activity and growth. Understanding the implications of changes in the prime rate is essential for anyone looking to navigate the complexities of personal finance or business investment strategies. By keeping an eye on this key interest rate, individuals and companies can better prepare for the financial challenges and opportunities that lie ahead.

“prime rate”一词指的是商业银行向其最有信用的客户（通常是大型企业）收取的利率。这个利率常常被用作各种贷款产品的基准，包括个人贷款、抵押贷款和小型企业贷款。理解prime rate对消费者和企业至关重要，因为它会显著影响借款成本和整体经济活动。历史上，prime rate根据经济条件和中央银行（如美国联邦储备银行）的货币政策决策而波动。当经济强劲且通货膨胀上升时，中央银行可能会提高prime rate以冷却经济活动，防止过热。相反，在经济衰退或低迷时期，它们可能会降低prime rate以刺激借贷和投资。对于消费者来说，prime rate在确定他们将支付的各种贷款利率方面起着至关重要的作用。例如，如果一家银行将其抵押贷款利率设定为高于prime rate的某个百分比，那么该基准利率的任何变化都将直接影响房贷的成本。因此，当prime rate上升时，借款人可以预期支付更多的利息，这可能导致每月还款增加，从而加重财务负担。企业也密切关注prime rate，因为它影响他们的融资选择。公司通常依赖贷款来扩展、运营和其他必要活动。较高的prime rate意味着借款成本增加，这可能会阻止企业为了增长计划而申请贷款。因此，prime rate的波动可能在整个经济中产生连锁反应，影响就业创造、消费者支出和整体经济增长。此外，prime rate并不是孤立设定的；它受到多种因素的影响，包括整体经济环境、通货膨胀率和中央银行的政策。例如，如果中央银行发出信号，表示由于通货膨胀上升而打算提高利率，银行可能会提前提高其prime rate，以预期更高的借款成本。这种相互关联性说明了prime rate如何作为经济健康的晴雨表。总之，prime rate是金融体系中借贷环境的重要指标。它的变动会影响消费者和企业的借款成本，从而塑造经济活动和增长。理解prime rate变化的影响对于希望驾驭个人财务或商业投资策略复杂性的任何人来说都是必不可少的。通过关注这一关键利率，个人和公司可以更好地为未来的财务挑战和机遇做好准备。