Lombard rate

简明释义

英格兰银行给予商业银行的证券抵押贷款利率

英英释义

例句

1.Investors are concerned about the impact of a rising Lombard rate on borrowing costs.

投资者担心上涨的再贴现率对借款成本的影响。

2.During the financial crisis, many banks relied on the Lombard rate for short-term liquidity.

在金融危机期间，许多银行依赖于再贴现率来获取短期流动性。

3.The central bank raised the Lombard rate to curb inflation.

中央银行提高了再贴现率以抑制通货膨胀。

4.The Lombard rate is often seen as a signal of the central bank's monetary policy stance.

再贴现率通常被视为中央银行货币政策立场的信号。

5.A lower Lombard rate can encourage banks to lend more to businesses.

较低的再贴现率可以鼓励银行向企业提供更多贷款。

作文

The financial world is filled with various terms and concepts that are crucial for understanding how economies function. One such term is the Lombard rate, which plays a significant role in monetary policy and banking operations. The Lombard rate refers to the interest rate at which central banks lend money to commercial banks, usually against securities. This rate is essential as it influences the overall liquidity in the banking system and serves as a benchmark for other interest rates within the economy.To comprehend the importance of the Lombard rate, it is necessary to understand its function within the broader context of monetary policy. Central banks, such as the European Central Bank or the Federal Reserve, use the Lombard rate as a tool to control inflation and stabilize the currency. When the Lombard rate is set high, borrowing becomes more expensive for banks, which may lead them to tighten their lending practices. This reduction in available credit can help cool down an overheating economy and keep inflation in check.Conversely, when the Lombard rate is lowered, borrowing costs decrease, encouraging banks to lend more freely. This increase in lending can stimulate economic growth by enabling businesses to invest in new projects and hire additional employees. Therefore, the Lombard rate acts as a lever for central banks to manage economic activity and respond to changing economic conditions.Additionally, the Lombard rate has implications beyond just the banking sector. It affects consumers directly, as changes in this rate can lead to fluctuations in mortgage rates, personal loans, and credit card interest rates. For instance, if the central bank decides to raise the Lombard rate, individuals may find that their mortgage payments increase, making it more challenging to afford a home. On the other hand, a decrease in the Lombard rate can provide relief to borrowers and encourage consumer spending, which is vital for economic growth.The Lombard rate also serves as a signal to the market about the central bank's stance on monetary policy. A change in the Lombard rate can indicate the bank's outlook on economic conditions, whether it is optimistic or pessimistic. For investors, understanding shifts in the Lombard rate can provide insights into future market trends and help them make informed decisions about their investments.In conclusion, the Lombard rate is a critical component of the financial landscape, influencing not only banking operations but also consumer behavior and investment strategies. By grasping the significance of the Lombard rate, individuals can better navigate the complexities of the economy and make informed financial decisions. As we continue to witness fluctuations in global markets, the role of the Lombard rate will remain pivotal in shaping economic outcomes and guiding monetary policy.

金融世界充满了各种术语和概念，这些术语和概念对于理解经济如何运作至关重要。其中一个术语是Lombard rate，它在货币政策和银行运营中发挥着重要作用。Lombard rate是中央银行向商业银行贷款的利率，通常以证券作为抵押。这个利率至关重要，因为它影响银行系统中的整体流动性，并作为经济中其他利率的基准。要理解Lombard rate的重要性，有必要了解其在更广泛的货币政策背景中的作用。中央银行，如欧洲中央银行或美联储，使用Lombard rate作为控制通货膨胀和稳定货币的工具。当Lombard rate设定较高时，借款对银行来说成本更高，这可能导致它们收紧借贷实践。这种可用信贷的减少可以帮助冷却过热的经济并保持通货膨胀在可控范围内。相反，当Lombard rate降低时，借款成本下降，鼓励银行更自由地放贷。这种放贷的增加可以通过使企业能够投资新项目和雇佣更多员工来刺激经济增长。因此，Lombard rate作为中央银行管理经济活动和应对不断变化的经济条件的杠杆。此外，Lombard rate不仅对银行业有影响，还直接影响消费者，因为该利率的变化可能导致抵押贷款利率、个人贷款和信用卡利率的波动。例如，如果中央银行决定提高Lombard rate，个人可能会发现他们的抵押贷款支付增加，使得购房变得更加困难。另一方面，Lombard rate的降低可以为借款人提供缓解并鼓励消费支出，而这对经济增长至关重要。Lombard rate还作为市场对中央银行货币政策立场的信号。Lombard rate的变化可以表明银行对经济状况的看法，无论是乐观还是悲观。对于投资者而言，理解Lombard rate的变化可以提供对未来市场趋势的洞察，帮助他们做出明智的投资决策。总之，Lombard rate是金融格局中的一个关键组成部分，不仅影响银行业务，还影响消费者行为和投资策略。通过掌握Lombard rate的意义，个人可以更好地驾驭经济的复杂性，并做出明智的财务决策。随着我们继续目睹全球市场的波动，Lombard rate的作用将在塑造经济结果和指导货币政策方面继续发挥关键作用。