interbank rate

简明释义

银行同业汇价，银行同业利率

英英释义

例句

1.The central bank adjusted the interbank rate to control inflation.

中央银行调整了银行间利率以控制通货膨胀。

2.A rise in the interbank rate typically indicates tightening liquidity in the market.

通常情况下，银行间利率的上升表明市场流动性收紧。

3.The interbank rate serves as a benchmark for many short-term loans.

银行间利率作为许多短期贷款的基准。

4.Many financial institutions base their lending rates on the current interbank rate.

许多金融机构的贷款利率是基于当前的银行间利率。

5.Investors closely monitor changes in the interbank rate for signs of economic stability.

投资者密切关注银行间利率的变化，以寻找经济稳定的迹象。

作文

The financial world operates on a complex web of transactions and agreements, with various rates influencing the flow of money. One of the most crucial rates in this intricate system is the interbank rate, which refers to the interest rate at which banks lend money to one another. This rate plays a pivotal role in determining the cost of borrowing for banks, which eventually affects consumers and businesses alike. Understanding the interbank rate is essential for grasping how monetary policy impacts the economy.When banks have surplus funds, they often lend these funds to other banks that may need liquidity. The interbank rate serves as a benchmark for these transactions. It is influenced by various factors, including central bank policies, economic conditions, and market expectations. For instance, when a central bank raises its key interest rates, the interbank rate typically follows suit, leading to higher borrowing costs for banks. Consequently, this can result in increased interest rates for loans offered to consumers and businesses.The interbank rate also reflects the level of confidence among banks. If banks perceive a higher risk of default from their peers, they may charge a higher interbank rate. Conversely, if banks are confident in each other's financial stability, the rate may decrease. This dynamic illustrates how the interbank rate can serve as a barometer for overall economic health.Moreover, the interbank rate is not a fixed figure but varies between different currencies and regions. For example, the London Interbank Offered Rate (LIBOR) was widely used as a standard for the interbank rate in the past, but it has been gradually replaced by other benchmarks like the Secured Overnight Financing Rate (SOFR). These changes highlight the evolving nature of financial markets and the importance of staying informed about current rates.In addition to its impact on borrowing costs, the interbank rate also influences foreign exchange rates. When the interbank rate rises in one country relative to another, it can attract foreign investment, leading to an appreciation of that country's currency. This relationship underscores the interconnectedness of global finance and the significance of the interbank rate in shaping economic outcomes.In conclusion, the interbank rate is a fundamental component of the financial system, affecting not only the banking sector but also consumers and businesses. Its fluctuations can signal changes in monetary policy and economic conditions, making it essential for anyone interested in finance to understand its implications. By keeping an eye on the interbank rate, individuals and organizations can make more informed decisions about borrowing, investing, and managing their finances effectively.

金融世界在复杂的交易和协议网络中运作，各种利率影响着资金的流动。在这个错综复杂的系统中，最关键的利率之一是银行间利率，它指的是银行之间借贷资金时的利率。这个利率在确定银行借贷成本方面起着至关重要的作用，最终影响到消费者和企业。理解银行间利率对于掌握货币政策如何影响经济至关重要。当银行拥有多余资金时，它们通常会将这些资金借给可能需要流动性的其他银行。银行间利率作为这些交易的基准利率。它受到多种因素的影响，包括中央银行政策、经济状况和市场预期。例如，当中央银行提高其基准利率时，银行间利率通常也会随之上升，从而导致银行的借贷成本增加。因此，这可能导致消费者和企业提供的贷款利率上升。银行间利率还反映了银行之间的信心水平。如果银行认为同业的违约风险较高，它们可能会收取更高的银行间利率。相反，如果银行对彼此的财务稳定性充满信心，利率可能会下降。这一动态表明，银行间利率可以作为整体经济健康状况的晴雨表。此外，银行间利率不是一个固定的数字，而是在不同货币和地区之间变化。例如，伦敦银行间拆借利率（LIBOR）曾广泛用作银行间利率的标准，但它逐渐被其他基准如担保隔夜融资利率（SOFR）所取代。这些变化突显了金融市场的不断演变以及保持对当前利率了解的重要性。除了对借贷成本的影响外，银行间利率还会影响外汇汇率。当某国的银行间利率相对于另一国上升时，它可能会吸引外国投资，从而导致该国货币升值。这种关系强调了全球金融的相互联系以及银行间利率在塑造经济结果中的重要性。总之，银行间利率是金融体系的基本组成部分，影响的不仅是银行业，还有消费者和企业。它的波动可以预示货币政策和经济状况的变化，使得任何对金融感兴趣的人都必须了解其影响。通过关注银行间利率，个人和组织可以更好地做出关于借贷、投资和有效管理财务的决策。