bank prime rate

简明释义

银行借款最低利率，银行优惠放款利率，银行最优惠利率

英英释义

例句

1.The bank's decision to raise the bank prime rate caused concern among borrowers.

银行提高银行优先利率的决定让借款人感到担忧。

2.Many loans are tied to the bank prime rate, making it crucial for lenders.

许多贷款与银行优先利率挂钩，这对贷方来说至关重要。

3.Investors often watch the bank prime rate to gauge economic health.

投资者通常关注银行优先利率以评估经济健康状况。

4.A lower bank prime rate can stimulate borrowing and spending.

较低的银行优先利率可以刺激借贷和消费。

5.When the bank prime rate increases, mortgage rates typically follow suit.

当银行优先利率上升时，抵押贷款利率通常也会随之上涨。

作文

The concept of the bank prime rate is crucial for understanding the dynamics of interest rates and lending practices in the financial world. The bank prime rate refers to the interest rate that commercial banks charge their most creditworthy customers, typically large corporations. This rate serves as a benchmark for various types of loans, including personal loans, mortgages, and small business loans. When the bank prime rate changes, it can have significant implications for the broader economy. In general, when the economy is strong and inflation is rising, central banks may increase the bank prime rate to control inflation. Higher interest rates make borrowing more expensive, which can slow down consumer spending and business investment. Conversely, during times of economic downturn, the central bank may lower the bank prime rate to stimulate growth by making loans cheaper. This relationship between the bank prime rate and economic conditions is essential for policymakers, businesses, and consumers alike.For individuals, understanding the bank prime rate can help them make informed decisions about borrowing. For instance, if someone is considering taking out a mortgage or a personal loan, they should be aware of the current bank prime rate and how it compares to the interest rate they are being offered. A lower rate could save them thousands of dollars over the life of the loan.Moreover, the bank prime rate also influences savings rates. When the bank prime rate rises, banks often increase the interest rates on savings accounts and certificates of deposit (CDs) as well. This means that consumers can earn more on their savings when the bank prime rate is high, providing an incentive for saving rather than spending.Understanding the bank prime rate is not only important for individual financial decisions but also for businesses. Companies often rely on loans to finance operations, expand, or invest in new projects. A higher bank prime rate can lead to increased costs for these loans, which may result in companies delaying expansion plans or cutting back on hiring. Therefore, businesses must keep a close eye on the bank prime rate and adjust their strategies accordingly.In conclusion, the bank prime rate plays a vital role in the financial landscape. It affects everything from individual loans to corporate financing and overall economic health. By understanding how the bank prime rate works, consumers and businesses can make more informed financial decisions, ultimately contributing to a more stable economy. As such, keeping abreast of changes in the bank prime rate is essential for anyone looking to navigate the complexities of modern finance effectively.

“银行基准利率”这一概念对于理解金融世界中利率和贷款实践的动态至关重要。“银行基准利率”是指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。这个利率作为各种贷款的基准，包括个人贷款、抵押贷款和小企业贷款。当“银行基准利率”发生变化时，可能会对整个经济产生重大影响。通常，当经济强劲且通货膨胀上升时，中央银行可能会提高“银行基准利率”，以控制通货膨胀。较高的利率使借款变得更加昂贵，这可能会减缓消费者支出和商业投资。相反，在经济低迷时期，中央银行可能会降低“银行基准利率”，以通过降低贷款成本来刺激增长。这种“银行基准利率”与经济条件之间的关系对于政策制定者、企业和消费者都至关重要。对于个人而言，了解“银行基准利率”可以帮助他们做出明智的借款决策。例如，如果某人考虑申请抵押贷款或个人贷款，他们应该了解当前的“银行基准利率”以及它与他们所获得的利率的比较。较低的利率可能在贷款的生命周期内为他们节省数千美元。此外，“银行基准利率”还会影响储蓄利率。当“银行基准利率”上升时，银行通常也会提高储蓄账户和定期存款（CD）的利率。这意味着，当“银行基准利率”较高时，消费者可以在储蓄中赚取更多的利息，从而提供了储蓄而非消费的动机。理解“银行基准利率”不仅对个人财务决策重要，对企业同样如此。公司通常依赖贷款来融资运营、扩展或投资新项目。较高的“银行基准利率”可能导致这些贷款成本增加，这可能导致公司推迟扩张计划或减少招聘。因此，企业必须密切关注“银行基准利率”，并相应调整其战略。总之，“银行基准利率”在金融格局中发挥着至关重要的作用。它影响从个人贷款到企业融资以及整体经济健康的方方面面。通过理解“银行基准利率”的运作方式，消费者和企业可以做出更明智的财务决策，最终促进一个更稳定的经济。因此，紧跟“银行基准利率”的变化对于任何希望有效应对现代金融复杂性的人来说都是至关重要的。