nominal rate

简明释义

额定率

英英释义

例句

1.When comparing loans, it's important to look beyond the nominal rate and consider the APR.

在比较贷款时，重要的是要超越名义利率，考虑年利率（APR）。

2.The nominal rate on this bond is higher than others, but its real yield is lower due to high inflation.

这只债券的名义利率高于其他债券，但由于高通货膨胀，其实际收益率较低。

3.The nominal rate of interest can be misleading if not adjusted for the effects of compounding.

如果不考虑复利的影响，名义利率可能会产生误导。

4.Investors often seek assets with a nominal rate that outpaces inflation to preserve their purchasing power.

投资者通常寻求具有超过通货膨胀的名义利率的资产，以保持其购买力。

5.The bank offers a nominal rate of 5% on savings accounts, which does not account for inflation.

银行提供的储蓄账户的名义利率为5%，未考虑通货膨胀。

作文

Understanding the concept of the nominal rate is crucial for anyone interested in finance or economics. The nominal rate refers to the interest rate before adjusting for inflation. It is the stated interest rate on a loan or financial product and does not account for the decrease in purchasing power due to rising prices. For example, if you take out a loan with a nominal rate of 5%, this means that you will pay 5% interest on the principal amount borrowed. However, if inflation is at 3%, the real interest rate, which reflects the actual cost of borrowing, would only be 2%. This distinction is vital for understanding how much you are truly paying for a loan over time.In the world of investments, the nominal rate is often used to describe the return on an investment without considering inflation. Investors must be aware of the nominal rate when assessing potential returns. For instance, if an investment offers a nominal rate of 8% but inflation is running at 4%, the real return on that investment is only 4%. This means that even though the nominal rate appears attractive, the actual increase in wealth may be less impressive once inflation is taken into account.Moreover, the nominal rate can also impact economic policy decisions. Central banks, such as the Federal Reserve in the United States, often adjust interest rates to influence economic activity. When they raise the nominal rate, it can lead to decreased borrowing and spending, which can slow down the economy. Conversely, lowering the nominal rate can stimulate economic growth by making loans cheaper and encouraging consumer spending. Therefore, understanding the nominal rate is essential for both policymakers and individuals alike.Additionally, the nominal rate plays a significant role in personal finance. When individuals consider taking out a mortgage or a car loan, they often focus on the nominal rate as a key factor in their decision-making process. However, it is equally important to consider other factors, such as fees, loan terms, and the impact of inflation, to get a complete picture of what the loan will cost over time.In conclusion, the nominal rate is a fundamental concept in finance that affects various aspects of economic life. Whether you are an investor, a borrower, or a policymaker, understanding the nominal rate and its implications is essential for making informed financial decisions. By recognizing the difference between the nominal rate and the real interest rate, individuals can better navigate the complexities of the financial world and make choices that align with their long-term financial goals.

理解名义利率的概念对于任何对金融或经济感兴趣的人来说都是至关重要的。名义利率是指未调整通货膨胀的利率。它是贷款或金融产品上的标示利率，并不考虑由于物价上涨而导致的购买力下降。例如，如果你以5%的名义利率贷款，这意味着你将为借款的本金支付5%的利息。然而，如果通货膨胀率为3%，那么实际利率（反映借款的实际成本）仅为2%。这种区别对于理解你在一段时间内真正支付了多少贷款至关重要。在投资领域，名义利率通常用于描述未考虑通货膨胀的投资回报。投资者在评估潜在回报时必须意识到名义利率。例如，如果一项投资提供8%的名义利率，但通货膨胀率为4%，那么该投资的实际回报仅为4%。这意味着，尽管名义利率看起来很有吸引力，但一旦考虑到通货膨胀，财富的实际增长可能并没有那么令人印象深刻。此外，名义利率还会影响经济政策决策。中央银行（例如美国的联邦储备系统）经常调整利率以影响经济活动。当他们提高名义利率时，可能会导致借贷和消费减少，从而减缓经济增长。相反，降低名义利率可以通过使贷款更便宜来刺激经济增长，鼓励消费者支出。因此，理解名义利率对于政策制定者和个人同样至关重要。此外，名义利率在个人理财中也起着重要作用。当个人考虑申请抵押贷款或汽车贷款时，他们通常将名义利率作为决策过程中的关键因素。然而，考虑其他因素（如费用、贷款条款和通货膨胀的影响）同样重要，以全面了解贷款的长期成本。总之，名义利率是金融中的一个基本概念，影响经济生活的各个方面。无论你是投资者、借款人还是政策制定者，理解名义利率及其影响对于做出明智的财务决策至关重要。通过认识名义利率与实际利率之间的区别，个人可以更好地应对金融世界的复杂性，做出与其长期财务目标一致的选择。