bank rate of discount

简明释义

中央银行贴现率

英英释义

例句

1.Investors should monitor the bank rate of discount as it can affect bond prices.

投资者应关注贴现率，因为它会影响债券价格。

2.A lower bank rate of discount can lead to increased lending by financial institutions.

较低的贴现率可能会导致金融机构增加放贷。

3.The central bank announced a change in the bank rate of discount to stimulate economic growth.

中央银行宣布调整贴现率以刺激经济增长。

4.Businesses often factor in the bank rate of discount when calculating the cost of borrowing.

企业在计算借款成本时，通常会考虑到贴现率。

5.The bank rate of discount is a key tool for the central bank to manage inflation.

贴现率是中央银行管理通货膨胀的重要工具。

作文

The concept of the bank rate of discount is central to understanding how financial institutions manage their lending and borrowing activities. The bank rate of discount refers to the interest rate that a central bank charges commercial banks for short-term loans. This rate plays a crucial role in influencing the overall economy by affecting the cost of borrowing and the availability of credit. When the bank rate of discount is low, it encourages banks to borrow more from the central bank, which in turn allows them to lend more to businesses and consumers. This increase in lending can stimulate economic growth by promoting spending and investment.Conversely, when the bank rate of discount is high, it becomes more expensive for banks to borrow money. As a result, they may tighten their lending standards and charge higher interest rates on loans to their customers. This can lead to a decrease in borrowing and spending, which can slow down economic activity. Therefore, central banks carefully consider the implications of adjusting the bank rate of discount as part of their monetary policy strategy.In addition to its impact on lending practices, the bank rate of discount also influences other interest rates within the economy. For example, mortgage rates, personal loan rates, and even savings account interest rates are often linked to the bank rate of discount. When the central bank changes this rate, it sends a signal to the market about the direction of monetary policy, and financial institutions adjust their rates accordingly. This interconnectedness highlights the importance of the bank rate of discount in the broader financial system.Moreover, the bank rate of discount serves as a tool for controlling inflation. Central banks monitor inflation closely and may raise the bank rate of discount to cool down an overheating economy. By making borrowing more expensive, central banks can reduce consumer spending and business investments, which can help to stabilize prices. Conversely, if inflation is low and economic growth is sluggish, central banks may lower the bank rate of discount to encourage borrowing and spending, thus stimulating the economy.Understanding the bank rate of discount is essential for anyone interested in finance or economics. It is a key indicator of the health of an economy and reflects the central bank's assessment of economic conditions. Investors, businesses, and consumers should pay attention to changes in the bank rate of discount as it can have significant implications for their financial decisions.In conclusion, the bank rate of discount is a vital component of monetary policy that affects borrowing costs, economic growth, and inflation control. Its influence extends beyond the banking sector and impacts various aspects of the economy. By understanding the dynamics of the bank rate of discount, stakeholders can make more informed decisions in their financial endeavors.

“折扣银行利率”这一概念对于理解金融机构如何管理其借贷活动至关重要。“折扣银行利率”指的是中央银行向商业银行收取的短期贷款利率。这个利率在通过影响借贷成本和信贷可用性来影响整体经济方面发挥着关键作用。当“折扣银行利率”较低时，它鼓励银行从中央银行借入更多资金，这反过来又使它们能够向企业和消费者提供更多贷款。这种贷款的增加可以通过促进支出和投资来刺激经济增长。相反，当“折扣银行利率”较高时，银行借款的成本变得更高。因此，它们可能会收紧贷款标准，并对客户收取更高的贷款利率。这可能导致借贷和支出的减少，从而减缓经济活动。因此，中央银行在调整“折扣银行利率”时会仔细考虑其对货币政策战略的影响。除了对借贷实践的影响外，“折扣银行利率”还影响经济中的其他利率。例如，抵押贷款利率、个人贷款利率，甚至储蓄账户利率通常与“折扣银行利率”相关联。当中央银行改变这一利率时，它向市场发出有关货币政策方向的信号，金融机构会相应地调整其利率。这种相互关联性突显了“折扣银行利率”在更广泛金融体系中的重要性。此外，“折扣银行利率”还作为控制通货膨胀的工具。中央银行密切监测通货膨胀，并可能提高“折扣银行利率”以冷却过热的经济。通过提高借款成本，中央银行可以减少消费者支出和商业投资，从而帮助稳定价格。相反，如果通货膨胀率低且经济增长缓慢，中央银行可能会降低“折扣银行利率”以鼓励借贷和支出，从而刺激经济。了解“折扣银行利率”对于任何对金融或经济感兴趣的人来说都是必不可少的。它是经济健康状况的关键指标，反映了中央银行对经济状况的评估。投资者、企业和消费者应该关注“折扣银行利率”的变化，因为这可能对他们的财务决策产生重大影响。总之，“折扣银行利率”是货币政策的重要组成部分，影响借贷成本、经济增长和通货膨胀控制。它的影响超越银行部门，影响经济的各个方面。通过理解“折扣银行利率”的动态，利益相关者可以在金融活动中做出更明智的决策。