minimum lending rate (MLR)

简明释义

最低贷款利率，最低放款利率，最低借款利率

英英释义

例句

1.Investors watch the minimum lending rate (MLR) closely as it affects the cost of borrowing.

投资者密切关注最低贷款利率 (MLR)，因为它影响借款成本。

2.The central bank decided to lower the minimum lending rate (MLR) to stimulate economic growth.

中央银行决定降低最低贷款利率 (MLR)以刺激经济增长。

3.Many banks adjusted their interest rates following the change in the minimum lending rate (MLR) set by the central bank.

许多银行根据中央银行设定的最低贷款利率 (MLR)调整了其利率。

4.Businesses often rely on loans that are influenced by the minimum lending rate (MLR) for expansion.

企业通常依赖受最低贷款利率 (MLR)影响的贷款进行扩张。

5.A decrease in the minimum lending rate (MLR) can lead to increased consumer spending.

降低最低贷款利率 (MLR)可能会导致消费者支出增加。

作文

The concept of minimum lending rate (MLR) is crucial in the financial landscape, particularly when it comes to understanding how banks and financial institutions operate. The minimum lending rate (MLR), or in Chinese, 最低贷款利率, refers to the lowest interest rate at which a bank is willing to lend money to its customers. This rate is significant as it influences various economic factors, including consumer spending, business investments, and overall economic growth.In a typical economy, the minimum lending rate (MLR) is set by central banks as part of their monetary policy. When the central bank lowers the minimum lending rate (MLR), it becomes cheaper for banks to borrow money. Consequently, banks can offer lower interest rates to their customers, which encourages borrowing and spending. This is particularly important during economic downturns when consumer confidence is low. By reducing the minimum lending rate (MLR), central banks aim to stimulate economic activity and promote growth.Conversely, when the economy is booming, central banks may choose to increase the minimum lending rate (MLR). A higher minimum lending rate (MLR) means that borrowing costs rise, which can help cool down an overheating economy by discouraging excessive spending and investment. This balancing act is essential for maintaining economic stability and preventing inflation from spiraling out of control.For individuals and businesses alike, the minimum lending rate (MLR) has direct implications. For example, if someone is considering purchasing a home, the minimum lending rate (MLR) will determine the interest rate on their mortgage. A lower minimum lending rate (MLR) could make homeownership more affordable, while a higher rate might push potential buyers out of the market. Similarly, businesses looking to expand or invest in new projects will also be affected by changes in the minimum lending rate (MLR). Lower rates can encourage companies to borrow more for growth, while higher rates may lead them to postpone or scale back their plans.Moreover, the minimum lending rate (MLR) also plays a role in shaping the overall economic environment. A stable and predictable minimum lending rate (MLR) can foster confidence among investors and consumers. On the other hand, frequent fluctuations in the minimum lending rate (MLR) can create uncertainty, making it difficult for individuals and businesses to plan for the future. Thus, understanding the minimum lending rate (MLR) and its implications is vital for anyone engaged in financial planning or investment.In conclusion, the minimum lending rate (MLR) is a key component of economic policy and has far-reaching effects on personal finance and business operations. By influencing borrowing costs, the minimum lending rate (MLR) helps shape consumer behavior and business investment decisions. As such, it is essential for individuals and businesses to stay informed about changes in the minimum lending rate (MLR) and understand how it can impact their financial well-being. In a world where economic conditions are constantly changing, being aware of the minimum lending rate (MLR) and its significance can empower people to make informed financial choices.

最低贷款利率（MLR）的概念在金融领域至关重要，特别是在理解银行和金融机构如何运作时。最低贷款利率（MLR），或中文的最低贷款利率，是指银行愿意以其客户借款的最低利率。这个利率非常重要，因为它影响着各种经济因素，包括消费者支出、商业投资和整体经济增长。在典型经济中，最低贷款利率（MLR）由中央银行作为其货币政策的一部分设定。当中央银行降低最低贷款利率（MLR）时，银行借款的成本变得更便宜。因此，银行可以向其客户提供更低的利率，这鼓励了借款和消费。这在经济低迷时期尤为重要，因为消费者信心低落。通过降低最低贷款利率（MLR），中央银行旨在刺激经济活动并促进增长。相反，当经济繁荣时，中央银行可能会选择提高最低贷款利率（MLR）。较高的最低贷款利率（MLR）意味着借款成本上升，这可以通过抑制过度消费和投资来帮助冷却过热的经济。这种平衡行为对维护经济稳定和防止通货膨胀失控至关重要。对于个人和企业来说，最低贷款利率（MLR）也有直接的影响。例如，如果有人考虑购买房屋，最低贷款利率（MLR）将决定他们抵押贷款的利率。较低的最低贷款利率（MLR）可能使得购房变得更加实惠，而较高的利率可能会将潜在买家排除在市场之外。同样，寻求扩展或投资新项目的企业也会受到最低贷款利率（MLR）变化的影响。较低的利率可以鼓励公司借款以实现增长，而较高的利率可能导致他们推迟或缩减计划。此外，最低贷款利率（MLR）在塑造整体经济环境方面也发挥着作用。稳定且可预测的最低贷款利率（MLR）可以增强投资者和消费者的信心。另一方面，最低贷款利率（MLR）的频繁波动可能会造成不确定性，使个人和企业难以进行未来规划。因此，理解最低贷款利率（MLR）及其影响对于任何参与财务规划或投资的人来说都是至关重要的。总之，最低贷款利率（MLR）是经济政策的关键组成部分，对个人财务和商业运营具有深远的影响。通过影响借款成本，最低贷款利率（MLR）帮助塑造消费者行为和商业投资决策。因此，个人和企业保持对最低贷款利率（MLR）变化的关注，并理解其对财务健康的影响，是至关重要的。在一个经济状况不断变化的世界中，了解最低贷款利率（MLR）及其重要性可以使人们能够做出明智的财务选择。