bank-rate policy

简明释义

中央银行贴现率政策

英英释义

例句

1.Investors are closely monitoring changes in the bank-rate policy to make informed decisions.

投资者正在密切关注银行利率政策的变化，以做出明智的决策。

2.The central bank decided to adjust its bank-rate policy to combat inflation.

中央银行决定调整其银行利率政策以对抗通货膨胀。

3.A lower bank-rate policy can stimulate economic growth by making borrowing cheaper.

较低的银行利率政策可以通过降低借款成本来刺激经济增长。

4.Many homeowners are affected by the bank-rate policy as it influences mortgage rates.

许多房主受到银行利率政策的影响，因为它会影响抵押贷款利率。

5.The government announced a review of the bank-rate policy to ensure financial stability.

政府宣布对银行利率政策进行审查，以确保金融稳定。

作文

The term bank-rate policy refers to the strategy employed by central banks to influence the economy through adjustments in interest rates. This policy is crucial for managing inflation, controlling money supply, and stabilizing the currency. When a central bank raises the bank rate, borrowing becomes more expensive, which can lead to a decrease in consumer spending and investment. Conversely, lowering the bank rate makes borrowing cheaper, encouraging spending and investment. Understanding the bank-rate policy is essential for grasping how monetary policy affects economic growth and stability.In recent years, we have witnessed various central banks around the world implementing different bank-rate policies in response to economic challenges. For instance, during times of economic recession, central banks often lower interest rates to stimulate growth. This was evident during the 2008 financial crisis when many countries slashed their bank rates to unprecedented lows. The aim was to encourage lending and spending, thereby revitalizing the economy.On the other hand, when the economy is booming and inflationary pressures begin to rise, central banks may opt to increase the bank rate. This action is intended to cool down the economy by making loans more expensive and saving more attractive. For example, in 2021 and 2022, some central banks started signaling potential increases in their bank rates due to rising inflation resulting from pandemic-related supply chain disruptions and increased demand.The effectiveness of bank-rate policy can vary based on several factors, including consumer confidence, global economic conditions, and the overall health of the banking sector. In some cases, even significant changes to the bank rate may not yield the desired effects if consumers and businesses remain hesitant to borrow or spend. This phenomenon highlights the importance of not only the bank-rate policy itself but also the broader economic context in which it operates.Moreover, the bank-rate policy is closely monitored by financial markets, as changes in interest rates can have profound implications for investment strategies and asset prices. Investors often react swiftly to announcements regarding bank rate changes, leading to fluctuations in stock and bond markets. Therefore, understanding this policy is vital for anyone involved in finance or economics.In conclusion, the bank-rate policy plays a pivotal role in shaping economic outcomes. It serves as a tool for central banks to manage economic stability and growth. By adjusting interest rates, these institutions can influence borrowing, spending, and investment behaviors, ultimately impacting the overall economy. As we continue to navigate complex economic landscapes, a firm grasp of bank-rate policy will remain indispensable for policymakers, economists, and investors alike.

“银行利率政策”是指中央银行通过调整利率来影响经济的策略。这项政策对于管理通货膨胀、控制货币供应和稳定货币至关重要。当中央银行提高银行利率时，借贷变得更加昂贵，这可能导致消费者支出和投资的减少。相反，降低银行利率会使借贷变得便宜，从而鼓励支出和投资。理解“银行利率政策”对于掌握货币政策如何影响经济增长和稳定至关重要。近年来，我们目睹了世界各地的中央银行在应对经济挑战时实施不同的“银行利率政策”。例如，在经济衰退时期，中央银行通常会降低利率以刺激增长。这在2008年金融危机期间尤为明显，许多国家将其银行利率削减到前所未有的低点。其目标是鼓励借贷和消费，从而振兴经济。另一方面，当经济繁荣且通货膨胀压力开始上升时，中央银行可能选择提高银行利率。这一举措旨在通过使贷款更昂贵和储蓄更具吸引力来降温经济。例如，在2021年和2022年，由于疫情相关的供应链中断和需求增加，一些中央银行开始发出可能提高其银行利率的信号。“银行利率政策”的有效性可能因多个因素而异，包括消费者信心、全球经济状况以及银行业的整体健康。在某些情况下，即使对银行利率进行重大调整，如果消费者和企业仍然不愿意借贷或消费，也可能不会产生预期的效果。这一现象突显了“银行利率政策”本身的重要性，以及它所运作的更广泛经济背景。此外，“银行利率政策”受到金融市场的密切关注，因为利率变化可能对投资策略和资产价格产生深远影响。投资者通常会迅速对有关银行利率变化的公告做出反应，导致股市和债市的波动。因此，理解这一政策对于任何参与金融或经济活动的人都至关重要。总之，“银行利率政策”在塑造经济结果方面发挥着关键作用。它作为中央银行管理经济稳定与增长的工具。通过调整利率，这些机构可以影响借贷、消费和投资行为，最终影响整体经济。随着我们继续应对复杂的经济形势，对“银行利率政策”的深入理解将对政策制定者、经济学家和投资者而言仍然不可或缺。