prime rates

简明释义

基本费率

英英释义

例句

1.Borrowers with good credit often receive loans at rates lower than the prime rates (基准利率).

信用良好的借款人通常会获得低于prime rates（基准利率）的贷款利率。

2.The Federal Reserve's decisions can significantly influence prime rates (基准利率).

美联储的决策可以显著影响prime rates（基准利率）。

3.Companies often base their loan agreements on the prevailing prime rates (基准利率).

公司通常根据当前的prime rates（基准利率）来制定贷款协议。

4.When the economy is strong, prime rates (基准利率) typically rise.

当经济强劲时，prime rates（基准利率）通常会上升。

5.Many banks adjust their interest rates based on the current prime rates (基准利率).

许多银行根据当前的prime rates（基准利率）调整它们的利率。

作文

Understanding the concept of prime rates is crucial for anyone looking to navigate the financial landscape effectively. In essence, prime rates refer to the interest rates that banks charge their most creditworthy customers, typically large corporations. These rates serve as a benchmark for various types of loans, including personal loans, mortgages, and small business loans. When the economy is stable, the prime rates tend to be lower, encouraging borrowing and spending. Conversely, when economic uncertainty looms, banks may increase these rates to mitigate risk, which can lead to reduced consumer spending and investment.The determination of prime rates is influenced by several factors, primarily the federal funds rate set by the central bank. When the Federal Reserve raises or lowers this rate, banks adjust their prime rates accordingly. For instance, if the Fed decreases the federal funds rate to stimulate economic growth, banks might lower their prime rates to make borrowing more attractive. This relationship illustrates how interconnected the financial system is and highlights the importance of understanding prime rates in the broader economic context.Moreover, prime rates are not uniform across all financial institutions. Different banks may have slightly different prime rates based on their own assessments of risk and market conditions. Therefore, it is advisable for consumers to shop around and compare rates before committing to a loan. Understanding where a particular bank stands in relation to the prevailing prime rates can provide valuable insight into whether they are getting a fair deal.For individuals considering taking out a loan, awareness of prime rates can also influence their decision-making process. For example, if a borrower knows that interest rates are likely to rise, they may choose to secure a loan sooner rather than later to lock in a lower rate. This strategic approach can save borrowers significant amounts of money over time. Similarly, businesses looking to expand often keep a close eye on prime rates to gauge the best timing for financing their projects.In addition to its impact on loans, prime rates can also affect other areas of the economy. Higher prime rates generally lead to increased costs for businesses, which may result in higher prices for consumers. This can contribute to inflationary pressures, further complicating economic conditions. On the flip side, lower prime rates can stimulate economic activity by making credit more accessible, thereby fostering growth and job creation.In conclusion, understanding prime rates is essential for both consumers and businesses alike. By recognizing how these rates are determined and their implications for borrowing and spending, individuals can make informed financial decisions that align with their long-term goals. Whether one is contemplating a mortgage, a personal loan, or a business expansion, keeping an eye on the prime rates can provide a competitive edge in today's ever-changing economic environment.

理解基准利率的概念对于任何希望有效驾驭金融环境的人来说都是至关重要的。从本质上讲，基准利率是指银行向其最有信用的客户（通常是大型企业）收取的利率。这些利率作为各种贷款的基准，包括个人贷款、抵押贷款和小企业贷款。当经济稳定时，基准利率往往较低，从而鼓励借贷和消费。相反，当经济不确定性出现时，银行可能会提高这些利率以降低风险，这可能导致消费者支出和投资减少。基准利率的确定受到多个因素的影响，主要是由中央银行设定的联邦基金利率。当美联储提高或降低这一利率时，银行会相应地调整其基准利率。例如，如果美联储降低联邦基金利率以刺激经济增长，银行可能会降低其基准利率以使借贷更具吸引力。这种关系说明了金融系统的相互联系，并突显了在更广泛的经济背景下理解基准利率的重要性。此外，基准利率在所有金融机构中并不统一。不同的银行可能根据自身对风险和市场状况的评估略微不同地设定基准利率。因此，建议消费者在承诺贷款之前进行比较和购物。了解特定银行在当前基准利率中的位置可以为他们是否获得公平交易提供有价值的洞察。对于考虑贷款的个人来说，意识到基准利率也可以影响他们的决策过程。例如，如果借款人知道利率可能会上升，他们可能会选择尽早获得贷款，以锁定较低的利率。这种战略方法可以为借款人节省大量资金。同样，寻求扩展的企业也会密切关注基准利率，以判断为其项目融资的最佳时机。除了对贷款的影响外，基准利率还可以影响经济的其他领域。较高的基准利率通常会导致企业成本增加，这可能导致消费者价格上涨。这可能会加剧通货膨胀压力，使经济状况更加复杂。相反，较低的基准利率可以通过使信贷更易获得来刺激经济活动，从而促进增长和创造就业机会。总之，理解基准利率对消费者和企业都至关重要。通过认识到这些利率是如何确定的及其对借贷和消费的影响，个人可以做出与其长期目标一致的明智财务决策。无论是考虑抵押贷款、个人贷款还是企业扩展，关注基准利率都可以在当今不断变化的经济环境中提供竞争优势。