Prime Rate of Interest

简明释义

优惠利率

英英释义

例句

1.Investors closely watch changes in the Prime Rate of Interest 基准利率 as it can affect stock market performance.

投资者密切关注基准利率的变化，因为这可能影响股市表现。

2.When the Prime Rate of Interest 基准利率 increases, borrowing costs for consumers usually go up as well.

当基准利率上升时，消费者的借贷成本通常也会上升。

3.Many loans are tied to the Prime Rate of Interest 基准利率, making it a key factor in personal finance.

许多贷款与基准利率挂钩，使其成为个人财务中的关键因素。

4.The bank announced that the Prime Rate of Interest 基准利率 will remain unchanged for the next quarter.

银行宣布，接下来的一个季度内，基准利率将保持不变。

5.A lower Prime Rate of Interest 基准利率 often encourages businesses to borrow more for expansion.

较低的基准利率通常会鼓励企业借更多的钱用于扩展。

作文

The concept of the Prime Rate of Interest is fundamental in understanding the financial landscape of any economy. The Prime Rate of Interest refers to the interest rate that commercial banks charge their most creditworthy customers, typically large corporations. This rate serves as a benchmark for various types of loans, including personal loans, mortgages, and small business loans. Understanding how the Prime Rate of Interest functions is crucial for both consumers and businesses alike, as it influences borrowing costs and overall economic activity.When the Prime Rate of Interest is low, it encourages borrowing and spending. Businesses are more likely to take out loans to invest in new projects or expand operations, while consumers may be more inclined to finance large purchases such as homes or cars. Conversely, when the Prime Rate of Interest rises, borrowing becomes more expensive, leading to a slowdown in spending and investment. This relationship is vital for understanding economic cycles and the impact of monetary policy.The determination of the Prime Rate of Interest is influenced by several factors, including the central bank's monetary policy. In many countries, the central bank sets a target interest rate, which affects the Prime Rate of Interest. For instance, if the central bank lowers its target rate, banks typically follow suit by reducing their prime rates, making loans cheaper for consumers and businesses. On the other hand, if the central bank raises its target rate, the Prime Rate of Interest usually increases as well, resulting in higher borrowing costs.Another important aspect to consider is the relationship between the Prime Rate of Interest and inflation. When inflation is high, central banks may increase interest rates to cool down the economy and stabilize prices. This often leads to an increase in the Prime Rate of Interest, which can have a cascading effect on the economy. Higher interest rates may deter borrowing, which can slow down economic growth and reduce consumer spending.Moreover, the Prime Rate of Interest can vary from one country to another and even among different banks within the same country. Each bank may set its own prime rate based on its assessment of risk and the cost of funds. Therefore, consumers should shop around to find the best loan terms available, as differences in the Prime Rate of Interest can lead to significant savings over time.In conclusion, the Prime Rate of Interest is a critical indicator of economic health and plays a significant role in shaping financial decisions for both individuals and businesses. By understanding how the Prime Rate of Interest works and its implications for borrowing and spending, consumers can make more informed financial choices. Additionally, policymakers must carefully monitor changes in the Prime Rate of Interest as they craft strategies to promote economic stability and growth. Ultimately, the Prime Rate of Interest is not just a number; it is a reflection of the broader economic environment and its potential impact on our daily lives.

“利率优先级”这一概念在理解任何经济体的金融格局中至关重要。“利率优先级”是指商业银行向其最有信用的客户（通常是大型企业）收取的利率。这个利率作为各种贷款的基准，包括个人贷款、按揭贷款和小企业贷款。理解“利率优先级”的运作方式对消费者和企业都至关重要，因为它影响借贷成本和整体经济活动。当“利率优先级”较低时，它会鼓励借贷和消费。企业更有可能借款投资新项目或扩展业务，而消费者可能更愿意融资购买房屋或汽车等大宗商品。相反，当“利率优先级”上升时，借贷变得更加昂贵，导致消费和投资放缓。这种关系对于理解经济周期和货币政策的影响至关重要。“利率优先级”的确定受到多个因素的影响，包括中央银行的货币政策。在许多国家，中央银行设定目标利率，这影响“利率优先级”。例如，如果中央银行降低其目标利率，银行通常会随之降低其优先利率，从而使消费者和企业的贷款成本降低。另一方面，如果中央银行提高其目标利率，“利率优先级”通常也会上升，导致借贷成本增加。另一个重要方面是“利率优先级”与通货膨胀之间的关系。当通货膨胀高企时，中央银行可能会提高利率，以冷却经济并稳定物价。这通常会导致“利率优先级”的上升，这可能对经济产生连锁反应。较高的利率可能会抑制借贷，从而减缓经济增长并减少消费者支出。此外，“利率优先级”在不同国家之间以及同一国家内的不同银行之间可能有所不同。每家银行可能根据其风险评估和资金成本设置自己的优先利率。因此，消费者应该多方比较，以找到最佳的贷款条款，因为“利率优先级”的差异可能会导致长期显著的节省。总之，“利率优先级”是经济健康的重要指标，在塑造个人和企业的财务决策中发挥着重要作用。通过了解“利率优先级”的运作及其对借贷和消费的影响，消费者能够做出更明智的财务选择。此外，政策制定者在制定促进经济稳定和增长的策略时，必须仔细监测“利率优先级”的变化。最终，“利率优先级”不仅仅是一个数字；它反映了更广泛的经济环境及其对我们日常生活的潜在影响。