quarter point

简明释义

四分之一罗经点

英英释义

例句

1.He was surprised to see that the loan interest increased by a quarter point overnight.

他惊讶地发现贷款利率在一夜之间增加了一个四分之一点。

2.The stock market reacted negatively to the news of a quarter point hike.

股市对一个四分之一点加息的消息反应消极。

3.The Federal Reserve raised interest rates by a quarter point to combat inflation.

美联储将利率提高了一个四分之一点以对抗通货膨胀。

4.After the meeting, the committee decided on a quarter point increase in the benchmark rate.

会议结束后，委员会决定将基准利率提高一个四分之一点。

5.A quarter point change in the mortgage rate can significantly affect monthly payments.

抵押贷款利率的一个四分之一点变化会显著影响每月还款额。

作文

In the world of finance and economics, the term quarter point refers to a change in interest rates that is equal to one-fourth of a percentage point, or 0.25%. This seemingly small adjustment can have significant implications for borrowers, investors, and the overall economy. Understanding the concept of quarter point changes is crucial for anyone involved in financial planning or investment decisions. When central banks, such as the Federal Reserve in the United States, decide to adjust interest rates, they often do so in increments of quarter points. For instance, if the current interest rate is 2.00% and the bank raises it by a quarter point, the new rate becomes 2.25%. Such adjustments are typically made in response to economic indicators like inflation, unemployment, and GDP growth. The impact of a quarter point increase in interest rates can be felt across various sectors of the economy. For homeowners with adjustable-rate mortgages, even a small rise can lead to higher monthly payments. Similarly, businesses that rely on loans for expansion may find their borrowing costs increasing, which could affect their growth strategies. Moreover, the stock market often reacts to changes in interest rates. A quarter point hike might signal to investors that the economy is strengthening, which can boost stock prices. On the other hand, if the increase is seen as too aggressive, it could lead to market volatility. Therefore, understanding how a quarter point change can influence market sentiments is essential for investors. In addition to its direct effects on borrowing costs and investments, the concept of a quarter point also plays a role in monetary policy discussions. Policymakers must weigh the benefits of raising rates to combat inflation against the potential risks of slowing economic growth. A decision to increase rates by a quarter point may reflect confidence in the economy's resilience, but it also requires careful consideration of the timing and magnitude of such moves. In conclusion, the term quarter point encapsulates a critical aspect of financial management and economic policy. While it may seem minor at first glance, the implications of a quarter point adjustment can ripple through the economy, affecting everything from mortgage payments to stock market performance. Therefore, both individuals and businesses should pay close attention to these changes and consider their potential impact on financial decisions. Understanding the nuances of a quarter point can empower stakeholders to make informed choices in an ever-evolving economic landscape.

在金融和经济领域，术语quarter point指的是利率的变化，相当于四分之一个百分点或0.25%。这个看似微小的调整可能对借款人、投资者和整体经济产生重大影响。理解quarter point变动的概念对于任何参与财务规划或投资决策的人来说都是至关重要的。当中央银行（例如美国的联邦储备委员会）决定调整利率时，通常以quarter points的增量进行。例如，如果当前利率为2.00%，而银行将其提高一个quarter point，则新利率将变为2.25%。这样的调整通常是根据通货膨胀、失业率和GDP增长等经济指标做出的。利率增加一个quarter point的影响可以在经济的各个部门中感受到。对于拥有可调利率抵押贷款的房主来说，即使是小幅上涨也可能导致每月还款额增加。类似地，依赖贷款进行扩展的企业可能会发现其借贷成本上升，这可能会影响其增长战略。此外，股票市场通常会对利率变化作出反应。一个quarter point的加息可能向投资者发出经济正在加强的信号，从而推高股价。另一方面，如果这种增加被视为过于激进，可能会导致市场波动。因此，了解quarter point变动如何影响市场情绪对于投资者来说至关重要。除了对借贷成本和投资的直接影响外，quarter point的概念还在货币政策讨论中发挥着作用。政策制定者必须权衡通过提高利率来对抗通胀的好处与放缓经济增长的潜在风险。增加quarter point的决定可能反映出对经济韧性的信心，但也需要仔细考虑此类举措的时机和幅度。总之，术语quarter point概括了财务管理和经济政策的一个关键方面。虽然乍一看可能显得微不足道，但quarter point调整的影响可能通过经济扩散，影响从抵押贷款支付到股票市场表现的方方面面。因此，个人和企业都应密切关注这些变化，并考虑其对财务决策的潜在影响。理解quarter point的细微差别可以使利益相关者在不断变化的经济环境中做出明智的选择。