prime rate; optimum rate of interest

简明释义

最优惠利率，最优利率

英英释义

例句

1.Homebuyers often look for mortgage rates that are lower than the prime rate 基准利率.

购房者通常寻找低于基准利率的抵押贷款利率。

2.When setting loan terms, lenders often refer to the current prime rate 基准利率.

在设定贷款条款时，贷方通常会参考当前的基准利率。

3.A decrease in the optimum rate of interest 最佳利率 can stimulate economic growth.

下降的最佳利率可以刺激经济增长。

4.Investors are closely monitoring changes in the optimum rate of interest 最佳利率 to make informed decisions.

投资者密切关注最佳利率的变化以做出明智的决策。

5.The bank announced that the prime rate 基准利率 will be adjusted next month.

银行宣布下个月将调整基准利率。

作文

In the world of finance, understanding interest rates is crucial for both individuals and businesses. One of the key concepts in this realm is the prime rate; optimum rate of interest, which serves as a benchmark for various lending rates. The prime rate; optimum rate of interest is the interest rate that commercial banks charge their most creditworthy customers. This rate is often influenced by the central bank's monetary policy and can fluctuate based on economic conditions. For borrowers, understanding this rate can help them make informed decisions about loans and credit. The prime rate; optimum rate of interest is not just a number; it reflects the overall health of the economy. When the economy is strong, the prime rate; optimum rate of interest tends to rise as demand for loans increases. Conversely, during economic downturns, this rate may decrease to encourage borrowing and stimulate growth. For instance, after the 2008 financial crisis, many central banks lowered their prime rate; optimum rate of interest to near-zero levels to promote economic recovery.For consumers, the prime rate; optimum rate of interest affects various financial products, including mortgages, personal loans, and credit cards. When the prime rate; optimum rate of interest is low, borrowing becomes cheaper, making it an attractive time for individuals to take out loans. However, when this rate is high, consumers may be discouraged from borrowing, leading to decreased spending and investment.Businesses also closely monitor the prime rate; optimum rate of interest. A lower rate can lead to increased capital investment, as companies can secure loans at more favorable terms. This, in turn, can drive job creation and economic expansion. On the other hand, if the prime rate; optimum rate of interest is high, businesses might delay or reduce their investment plans, which could negatively impact economic growth.Moreover, the prime rate; optimum rate of interest plays a significant role in determining the yield on savings accounts and other fixed-income investments. When the prime rate; optimum rate of interest is elevated, savers can earn more interest on their deposits, incentivizing them to save rather than spend. This shift can affect consumer behavior and overall economic dynamics.In conclusion, the prime rate; optimum rate of interest is a vital indicator in the financial landscape. It influences borrowing costs, consumer spending, business investments, and savings behavior. Understanding this rate is essential for anyone looking to navigate the complexities of personal finance or business operations. By keeping an eye on the prime rate; optimum rate of interest, individuals and businesses can make better financial decisions that align with their goals and the broader economic environment.

在金融世界中，理解利率对个人和企业至关重要。这个领域的一个关键概念是基准利率；最佳利率，它作为各种贷款利率的基准。基准利率；最佳利率是商业银行向其最有信用的客户收取的利率。这个利率通常受到中央银行货币政策的影响，并可能根据经济状况波动。对于借款人来说，了解这个利率可以帮助他们做出明智的贷款和信用决策。基准利率；最佳利率不仅仅是一个数字；它反映了经济的整体健康状况。当经济强劲时，基准利率；最佳利率往往会上升，因为对贷款的需求增加。相反，在经济低迷时期，这个利率可能会下降，以鼓励借贷并刺激增长。例如，在2008年金融危机之后，许多中央银行将基准利率；最佳利率降低到接近零的水平，以促进经济复苏。对于消费者来说，基准利率；最佳利率影响着各种金融产品，包括抵押贷款、个人贷款和信用卡。当基准利率；最佳利率较低时，借款变得更便宜，使个人在贷款时更具吸引力。然而，当这个利率较高时，消费者可能会受到借款的抑制，从而导致支出和投资减少。企业也密切关注基准利率；最佳利率。较低的利率可以导致资本投资的增加，因为公司可以以更优惠的条件获得贷款。这反过来又可以推动创造就业和经济扩张。另一方面，如果基准利率；最佳利率较高，企业可能会推迟或减少投资计划，这可能会对经济增长产生负面影响。此外，基准利率；最佳利率在确定储蓄账户和其他固定收益投资的收益率方面也发挥着重要作用。当基准利率；最佳利率上升时，储户可以在存款上赚取更多的利息，从而激励他们储蓄而不是消费。这种转变可以影响消费者行为和整体经济动态。总之，基准利率；最佳利率是金融环境中的一个重要指标。它影响借贷成本、消费者支出、企业投资和储蓄行为。理解这个利率对于任何希望驾驭个人财务或商业运作复杂性的人来说都是至关重要的。通过关注基准利率；最佳利率，个人和企业可以做出更好的财务决策，以符合他们的目标和更广泛的经济环境。