nominal rate

简明释义

名义汇率

英英释义

例句

1.The bank offered a nominal rate of 3% on savings accounts, which does not account for inflation.

银行在储蓄账户上提供了名义利率为3%，但未考虑通货膨胀。

2.The nominal rate of a bond reflects the stated interest payments without adjusting for taxes.

债券的名义利率反映了声明的利息支付，而未调整税收。

3.Investors should look at the nominal rate as well as the inflation rate to assess real returns.

投资者应该关注名义利率以及通货膨胀率，以评估实际回报。

4.When calculating the return on investment, it's important to distinguish between the nominal rate and the real rate.

在计算投资回报时，区分名义利率和实际利率是很重要的。

5.The nominal rate of interest on the loan is set at 5%, but the effective rate may be higher due to fees.

贷款的名义利率设定为5%，但由于费用，实际利率可能更高。

作文

In the world of finance and economics, understanding the concept of the nominal rate is crucial for making informed decisions. The nominal rate refers to the interest rate before taking inflation into account. It represents the percentage increase in money that a borrower pays to a lender, without adjusting for changes in purchasing power due to inflation. This means that while the nominal rate may seem attractive at first glance, it does not necessarily reflect the actual increase in wealth or value for the investor or saver.To illustrate this point, consider a simple example: If you invest $1,000 in a savings account that offers a nominal rate of 5% per year, you would expect to earn $50 in interest after one year. However, if inflation during that same period is 3%, the real interest rate—the rate that reflects the actual increase in your purchasing power—would only be 2%. Thus, even though the nominal rate appears to be a solid return, the impact of inflation significantly diminishes the real benefit of your investment.The distinction between nominal rate and real interest rates is vital for both individual investors and policymakers. For investors, understanding the nominal rate helps them assess potential returns on investments accurately. It encourages them to look beyond just the surface numbers and consider how inflation can erode their gains over time. On the other hand, for policymakers, monitoring the nominal rate is essential for shaping monetary policy. Central banks often adjust interest rates based on nominal rates to control inflation and stabilize the economy.Moreover, the nominal rate is also important in the context of loans and mortgages. When individuals take out loans, they are typically presented with nominal rates, which can influence their decision to borrow money. A lower nominal rate might encourage more borrowing, but if inflation rises unexpectedly, borrowers may find themselves paying significantly more in real terms than they anticipated. Therefore, it is essential for consumers to understand how the nominal rate they are being offered compares to the current and projected inflation rates.Furthermore, the nominal rate can vary widely across different financial products and markets. For instance, government bonds might offer a lower nominal rate compared to corporate bonds because they are considered safer investments. However, the risk associated with corporate bonds might lead to higher returns in a low-inflation environment. Investors must weigh these factors carefully when choosing where to allocate their resources.In conclusion, the nominal rate plays a significant role in the financial landscape, influencing everything from personal savings to national economic policies. Understanding its implications, especially in relation to inflation and real interest rates, is essential for anyone looking to navigate the complexities of finance effectively. By paying close attention to the nominal rate and its impact on purchasing power, individuals and institutions alike can make better financial decisions that align with their long-term goals.

在金融和经济的世界中，理解“名义利率”这一概念对于做出明智的决策至关重要。“名义利率”是指未考虑通货膨胀的利率。它代表借款人支付给贷方的资金百分比增长，而不调整由于通货膨胀导致的购买力变化。这意味着，尽管“名义利率”乍一看可能显得诱人，但它并不一定反映投资者或储蓄者财富或价值的实际增加。为了说明这一点，考虑一个简单的例子：如果你将1000美元投资于一个提供5%年利率的储蓄账户，那么你预计在一年后将获得50美元的利息。然而，如果在同一时期的通货膨胀率为3%，那么实际利率——反映你购买力实际增加的利率——仅为2%。因此，尽管“名义利率”看似是一个可观的回报，但通货膨胀的影响显著削弱了你的投资的真实收益。“名义利率”与实际利率之间的区别对个人投资者和政策制定者都至关重要。对于投资者来说，理解“名义利率”有助于他们准确评估投资的潜在回报。这促使他们超越表面数字，考虑通货膨胀如何随着时间的推移侵蚀他们的收益。另一方面，对于政策制定者来说，监测“名义利率”对于制定货币政策至关重要。中央银行通常根据“名义利率”调整利率，以控制通货膨胀并稳定经济。此外，“名义利率”在贷款和抵押贷款的背景下也很重要。当个人申请贷款时，他们通常会看到“名义利率”，这可能会影响他们借款的决定。较低的“名义利率”可能会鼓励更多的借款，但如果通货膨胀意外上升，借款人可能会发现自己实际支付的金额远高于预期。因此，消费者必须理解他们所获得的“名义利率”与当前和预测的通货膨胀率之间的关系。此外，“名义利率”在不同的金融产品和市场之间可能差异很大。例如，政府债券可能提供较低的“名义利率”，而企业债券则可能提供更高的回报，因为它们被视为更安全的投资。然而，企业债券的风险可能在低通货膨胀环境中带来更高的回报。投资者必须仔细权衡这些因素，以选择资源的分配方式。总之，“名义利率”在金融领域中发挥着重要作用，影响从个人储蓄到国家经济政策的方方面面。理解其含义，尤其是与通货膨胀和实际利率的关系，对于任何希望有效应对金融复杂性的人而言都是必不可少的。通过密切关注“名义利率”及其对购买力的影响，个人和机构可以做出更好的财务决策，与其长期目标保持一致。