positive real interest rate

简明释义

正数实际利率

英英释义

例句

1.Central banks aim for a positive real interest rate 正的实际利率 to control inflation.

中央银行的目标是控制通货膨胀，以维持正的实际利率 positive real interest rate。

2.During periods of economic stability, a positive real interest rate 正的实际利率 can lead to increased consumer confidence.

在经济稳定时期，正的实际利率 positive real interest rate 可以提高消费者信心。

3.When the economy is growing, a positive real interest rate 正的实际利率 encourages saving and investment.

当经济增长时，正的实际利率 positive real interest rate 鼓励储蓄和投资。

4.Investors prefer loans with a positive real interest rate 正的实际利率 to ensure their returns exceed inflation.

投资者更喜欢具有正的实际利率 positive real interest rate 的贷款，以确保他们的回报超过通货膨胀。

5.A positive real interest rate 正的实际利率 indicates that the purchasing power of money is increasing over time.

一个正的实际利率 positive real interest rate 表明货币的购买力随着时间的推移而增加。

作文

Understanding the concept of a positive real interest rate is crucial for anyone interested in economics or personal finance. A positive real interest rate occurs when the nominal interest rate, which is the stated interest rate on a loan or investment, exceeds the inflation rate. This means that the purchasing power of money grows over time, allowing savers to earn more than they lose due to inflation. In contrast, a negative real interest rate indicates that inflation is higher than the nominal interest rate, leading to a decrease in purchasing power. The implications of a positive real interest rate are significant for both individuals and the economy as a whole. For individuals, it means that saving money is beneficial. When the positive real interest rate is present, people can feel confident that their savings will not only retain value but will also grow over time. This encourages more people to save rather than spend impulsively, fostering a culture of financial prudence. From an economic perspective, a positive real interest rate can stimulate investment. Businesses are more likely to invest in new projects and expansion when they can expect a return that exceeds inflation. This can lead to job creation and economic growth. Moreover, when the central bank maintains a positive real interest rate, it signals confidence in the economy's strength, which can attract foreign investments. However, achieving a positive real interest rate is not always straightforward. Central banks must carefully manage monetary policy to balance interest rates and inflation. If inflation rises too quickly, it can erode the benefits of even a nominally high interest rate. Conversely, if interest rates are kept too low for too long, it can lead to excessive borrowing and inflated asset prices, potentially resulting in economic instability. In recent years, many economies have struggled with low or even negative real interest rates. This situation has prompted discussions about the effectiveness of traditional monetary policy tools. Some economists argue that in a low-inflation environment, maintaining a positive real interest rate is essential for encouraging savings and investment. Others suggest that alternative strategies, such as fiscal stimulus, may be necessary to boost economic activity. In conclusion, a positive real interest rate plays a vital role in promoting savings, investment, and overall economic health. Understanding its significance helps individuals make informed financial decisions and allows policymakers to implement effective economic strategies. As we navigate the complexities of modern economies, recognizing the importance of a positive real interest rate will be essential for fostering sustainable growth and stability.

理解正的实际利率的概念对于任何对经济学或个人理财感兴趣的人来说都是至关重要的。当名义利率，即贷款或投资的声明利率，超过通货膨胀率时，就会出现正的实际利率。这意味着货币的购买力随着时间的推移而增长，使储蓄者能够获得超过因通货膨胀而损失的收益。相反，负的实际利率表明通货膨胀率高于名义利率，导致购买力下降。正的实际利率的影响对于个人和整个经济都是显著的。对于个人而言，这意味着储蓄是有益的。当存在正的实际利率时，人们可以自信地认为他们的储蓄不仅不会贬值，而且会随着时间的推移而增长。这鼓励更多人储蓄，而不是冲动消费，培养出一种金融谨慎的文化。从经济的角度来看，正的实际利率可以刺激投资。当企业能够预期回报超过通货膨胀时，它们更有可能投资于新项目和扩张。这可以导致创造就业机会和经济增长。此外，当中央银行维持正的实际利率时，它传递了对经济强劲的信心，这可以吸引外国投资。然而，实现正的实际利率并不总是简单的。中央银行必须仔细管理货币政策，以平衡利率和通货膨胀。如果通货膨胀上升得太快，即使名义利率很高，也可能侵蚀其好处。相反，如果利率长时间保持过低，可能导致过度借贷和资产价格膨胀，最终导致经济不稳定。近年来，许多经济体在低甚至负的实际利率中挣扎。这种情况引发了关于传统货币政策工具有效性的讨论。一些经济学家认为，在低通货膨胀环境中，维持正的实际利率对于鼓励储蓄和投资至关重要。其他人则建议，可能需要替代策略，如财政刺激，以促进经济活动。总之，正的实际利率在促进储蓄、投资和整体经济健康方面发挥着至关重要的作用。理解其重要性帮助个人做出明智的财务决策，并使政策制定者能够实施有效的经济战略。在我们应对现代经济的复杂性时，认识到正的实际利率的重要性将对促进可持续增长和稳定至关重要。