bank rate of rediscount

简明释义

银行再贴现利率

英英释义

例句

1.A change in the bank rate of rediscount can affect loan interest rates across the economy.

再贴现银行利率的变化会影响整个经济中的贷款利率。

2.The central bank decided to lower the bank rate of rediscount to stimulate economic growth.

中央银行决定降低再贴现银行利率以刺激经济增长。

3.Understanding the bank rate of rediscount is crucial for financial analysts.

理解再贴现银行利率对金融分析师至关重要。

4.Many businesses rely on the bank rate of rediscount when planning their financing strategies.

许多企业在规划融资策略时依赖于再贴现银行利率。

5.The bank rate of rediscount is a tool used by central banks to control inflation.

再贴现银行利率是中央银行控制通货膨胀的工具。

作文

The concept of the bank rate of rediscount plays a crucial role in the financial system, particularly in how central banks manage monetary policy and influence the economy. To understand this term fully, we must first break it down into its components: 'bank rate' and 'rediscount'. The 'bank rate' refers to the interest rate at which a central bank lends money to commercial banks, typically in the short term. This rate serves as a benchmark for other interest rates within the economy, affecting everything from personal loans to mortgages. On the other hand, 'rediscount' is the process through which commercial banks can obtain liquidity by selling their existing discounted bills or notes back to the central bank before they mature.When a central bank sets the bank rate of rediscount, it essentially determines the cost of borrowing for commercial banks. A lower rediscount rate encourages banks to borrow more, thereby increasing the money supply in the economy. This can lead to lower interest rates for consumers and businesses, stimulating spending and investment. Conversely, a higher bank rate of rediscount can restrict the money supply, making borrowing more expensive and potentially slowing down economic growth.In practice, the bank rate of rediscount is a tool used by central banks to control inflation and stabilize the economy. For instance, during periods of economic downturn, a central bank may lower the rediscount rate to encourage lending and investment. This was seen during the 2008 financial crisis when many central banks around the world slashed their rates to support struggling economies. By making it cheaper for banks to borrow, the central bank aims to inject liquidity into the market, encouraging businesses to expand and hire more workers.However, the impact of the bank rate of rediscount is not always straightforward. While lowering the rate can stimulate economic activity, it can also lead to unintended consequences such as asset bubbles or excessive inflation if too much money enters the economy too quickly. Therefore, central banks must carefully monitor economic indicators and adjust the bank rate of rediscount as needed to maintain a balance between growth and stability.Additionally, the effectiveness of the bank rate of rediscount can vary depending on the broader economic context. Factors such as consumer confidence, global economic conditions, and fiscal policies can all influence how changes in the rediscount rate affect the economy. For example, even with a low bank rate of rediscount, if businesses and consumers are hesitant to borrow due to uncertainty, the desired effect of stimulating the economy may not materialize.In conclusion, the bank rate of rediscount is a vital instrument in the toolkit of central banks, influencing monetary policy and economic conditions. Understanding its implications helps us grasp how financial systems operate and how they can be managed to foster economic stability and growth. As we navigate through various economic cycles, the role of the bank rate of rediscount remains significant, reminding us of the delicate balance that central banks must maintain in their efforts to support the economy while mitigating risks associated with inflation and financial instability.

“再贴现银行利率”这一概念在金融体系中扮演着至关重要的角色，特别是在中央银行如何管理货币政策和影响经济方面。要充分理解这个术语，我们首先必须将其分解为两个部分：“银行利率”和“再贴现”。“银行利率”是指中央银行向商业银行短期借款时所收取的利率。这个利率作为经济中其他利率的基准，影响从个人贷款到抵押贷款的方方面面。另一方面，“再贴现”是商业银行通过将其现有的打折票据或票据在到期前出售回中央银行来获得流动性的一种过程。当中央银行设定再贴现银行利率时，它实际上决定了商业银行借款的成本。较低的再贴现利率鼓励银行借入更多资金，从而增加经济中的货币供应。这可能导致消费者和企业的利率降低，刺激支出和投资。相反，较高的再贴现银行利率可能会限制货币供应，使借款成本更高，从而可能减缓经济增长。在实践中，再贴现银行利率是中央银行控制通货膨胀和稳定经济的工具。例如，在经济衰退期间，中央银行可能会降低再贴现利率，以鼓励贷款和投资。这在2008年金融危机期间得到了体现，当时全球许多中央银行纷纷降低利率以支持陷入困境的经济。通过降低银行借款的成本，中央银行旨在向市场注入流动性，鼓励企业扩大和雇佣更多工人。然而，再贴现银行利率的影响并不总是简单明了。虽然降低利率可以刺激经济活动，但如果过多的资金过快地进入经济，也可能导致资产泡沫或过度通货膨胀。因此，中央银行必须仔细监测经济指标，并根据需要调整再贴现银行利率，以维持增长与稳定之间的平衡。此外，再贴现银行利率的有效性可能因更广泛的经济背景而异。消费者信心、全球经济状况和财政政策等因素都可能影响再贴现利率变化对经济的影响。例如，即使在较低的再贴现银行利率下，如果企业和消费者由于不确定性而犹豫借款，则刺激经济的预期效果可能无法实现。总之，再贴现银行利率是中央银行工具箱中的一个重要工具，影响货币政策和经济状况。理解其影响有助于我们掌握金融系统的运作方式，以及如何管理这些系统以促进经济稳定和增长。在经历各种经济周期时，再贴现银行利率的作用仍然显著，提醒我们中央银行在支持经济的同时必须保持应对通货膨胀和金融不稳定风险的微妙平衡。