official bank rate of discount

简明释义

中央银行正式贴现率

英英释义

例句

1.The official bank rate of discount 官方贴现率 is a key tool for monetary policy adjustments.

官方贴现率是货币政策调整的关键工具。

2.Banks adjust their lending rates based on the official bank rate of discount 官方贴现率 set by the central bank.

银行根据中央银行设定的官方贴现率调整其贷款利率。

3.A decrease in the official bank rate of discount 官方贴现率 can lead to lower interest rates for consumers.

官方贴现率的下降可能导致消费者的利率降低。

4.The central bank announced a change in the official bank rate of discount 官方贴现率 to stimulate economic growth.

中央银行宣布调整官方贴现率以刺激经济增长。

5.Investors closely monitor the official bank rate of discount 官方贴现率 as it influences borrowing costs.

投资者密切关注官方贴现率，因为它会影响借贷成本。

作文

The concept of the official bank rate of discount is a crucial element in the world of finance and banking. It refers to the interest rate at which a central bank lends money to commercial banks, typically through the mechanism of discounting promissory notes or other financial instruments. This rate serves as a benchmark for various lending rates throughout the economy, influencing everything from consumer loans to mortgages. Understanding the official bank rate of discount is essential for both financial professionals and the general public, as it plays a significant role in monetary policy and economic stability.When a central bank sets the official bank rate of discount, it is essentially signaling its stance on economic growth and inflation. A lower rate encourages borrowing and spending, which can stimulate economic activity. Conversely, a higher rate may be implemented to curb inflation by making borrowing more expensive, thus slowing down spending. For instance, during times of economic recession, a central bank may lower the official bank rate of discount to encourage banks to lend more freely, thereby promoting investment and consumption.The official bank rate of discount is not only important for commercial banks but also impacts consumers directly. When this rate changes, it influences the interest rates that banks offer to their customers. For example, if the central bank reduces the official bank rate of discount, banks may lower their interest rates on loans and mortgages, making it cheaper for individuals to borrow money. This can lead to increased consumer spending and investment in housing, which is vital for economic growth.Moreover, the official bank rate of discount can affect exchange rates and international trade. A change in this rate can lead to fluctuations in the value of a country's currency. If the central bank raises the rate, it may attract foreign investment, leading to an appreciation of the currency. On the other hand, a lower rate could result in a depreciation, making exports cheaper and imports more expensive. This dynamic can have significant implications for a country’s trade balance and overall economic health.In conclusion, the official bank rate of discount is a fundamental aspect of modern banking and economics. It serves as a tool for central banks to implement monetary policy, influence economic activity, and stabilize the financial system. By understanding how this rate works and its implications, individuals and businesses can make more informed financial decisions. Whether you are a student of economics or simply someone looking to understand how interest rates affect your daily life, grasping the significance of the official bank rate of discount is an invaluable part of financial literacy.

“官方银行贴现率”这一概念在金融和银行领域中是一个至关重要的元素。它指的是中央银行向商业银行借贷资金时所采用的利率，通常通过贴现本票或其他金融工具的机制进行。这一利率作为经济中各种贷款利率的基准，影响着从消费者贷款到抵押贷款的方方面面。理解“官方银行贴现率”对金融专业人士和公众来说都是必不可少的，因为它在货币政策和经济稳定中发挥着重要作用。当中央银行设定“官方银行贴现率”时，它实际上是在发出关于经济增长和通货膨胀的信号。较低的利率鼓励借贷和消费，从而可以刺激经济活动。相反，较高的利率可能被实施以遏制通货膨胀，因为这会使借款变得更加昂贵，从而减缓消费。例如，在经济衰退时期，中央银行可能会降低“官方银行贴现率”，以鼓励银行更自由地放贷，从而促进投资和消费。“官方银行贴现率”不仅对商业银行重要，而且直接影响消费者。当这一利率发生变化时，它会影响银行向客户提供的利率。例如，如果中央银行降低“官方银行贴现率”，银行可能会降低贷款和抵押贷款的利率，使个人借款变得更加便宜。这可能导致消费者支出和住房投资的增加，而这对于经济增长至关重要。此外，“官方银行贴现率”还可能影响汇率和国际贸易。这一利率的变化可能导致一个国家货币价值的波动。如果中央银行提高利率，可能会吸引外国投资，从而导致货币升值。另一方面，较低的利率可能导致贬值，使出口变得更便宜，进口变得更昂贵。这种动态可能对一个国家的贸易平衡和整体经济健康产生重大影响。总之，“官方银行贴现率”是现代银行和经济的基本方面。它作为中央银行实施货币政策、影响经济活动和稳定金融系统的工具。通过理解这一利率的运作及其影响，个人和企业可以做出更明智的财务决策。无论你是经济学的学生，还是只是想了解利率如何影响你日常生活的人，掌握“官方银行贴现率”的重要性都是财务知识的重要组成部分。