bank discount rate

简明释义

银行贴现率

英英释义

例句

1.When the bank discount rate 银行贴现率 rises, it may lead to higher loan costs for consumers.

当银行贴现率 bank discount rate 上升时，可能会导致消费者贷款成本增加。

2.A decrease in the bank discount rate 银行贴现率 can stimulate borrowing and spending.

银行贴现率 bank discount rate 的下降可以刺激借贷和消费。

3.The Federal Reserve adjusted the bank discount rate 银行贴现率 to control inflation.

联邦储备委员会调整了银行贴现率 bank discount rate 以控制通货膨胀。

4.Investors often monitor the bank discount rate 银行贴现率 to gauge the economic climate.

投资者通常监控银行贴现率 bank discount rate 来评估经济气候。

5.The lender offered a loan with a lower interest rate because the bank discount rate 银行贴现率 was favorable this quarter.

贷款方提供了一个较低的利率，因为本季度的银行贴现率 bank discount rate 有利。

作文

The concept of the bank discount rate is crucial in understanding how financial institutions operate and how they influence the economy. The bank discount rate refers to the interest rate that banks deduct from the face value of a loan or a financial instrument when it is sold before its maturity date. This rate is typically used in the context of short-term loans and is an essential tool for managing liquidity and cash flow in banking operations.To illustrate the importance of the bank discount rate, let's consider a practical example. Imagine a company that needs immediate funding to purchase inventory but does not have sufficient cash on hand. The company might approach a bank for a short-term loan. If the bank offers a loan with a face value of $100,000 at a bank discount rate of 5%, the company would receive only $95,000 upfront. The remaining $5,000 represents the bank's discount, which will be the cost of borrowing that the company must pay back when the loan matures.Understanding the bank discount rate is vital for businesses as it directly affects their financing costs. A higher bank discount rate means that borrowers will receive less money upfront and will have to pay more in interest over time. Conversely, a lower bank discount rate allows businesses to access more funds immediately, which can be crucial for maintaining operations and seizing growth opportunities.The bank discount rate also plays a significant role in monetary policy. Central banks, such as the Federal Reserve in the United States, adjust the bank discount rate to control inflation and stabilize the economy. When the central bank raises the bank discount rate, it becomes more expensive for banks to borrow money. As a result, banks may pass these costs onto consumers and businesses by increasing interest rates on loans. This can lead to reduced spending and investment, which helps to cool down an overheating economy.On the other hand, when the central bank lowers the bank discount rate, it encourages banks to borrow more, leading to lower interest rates for consumers and businesses. This can stimulate economic activity by making borrowing cheaper, thus promoting spending and investment. Therefore, the bank discount rate is a powerful lever that central banks use to influence economic conditions and ensure stability in the financial system.In conclusion, the bank discount rate is a fundamental concept in finance that affects both individual borrowers and the broader economy. By understanding how the bank discount rate works, businesses can make more informed decisions regarding their financing options. Additionally, recognizing the implications of changes in the bank discount rate can help individuals and companies anticipate shifts in the economic landscape and adjust their strategies accordingly. Overall, the bank discount rate serves as a vital tool for both financial institutions and policymakers in navigating the complex world of finance and economics.

“银行贴现率”的概念对于理解金融机构如何运作以及它们如何影响经济至关重要。“银行贴现率”是指银行在出售贷款或金融工具时从面值中扣除的利率，通常用于短期贷款的背景下，是管理流动性和现金流的重要工具。为了说明“银行贴现率”的重要性，我们可以考虑一个实际例子。假设一家公司需要立即融资以购买库存，但手头没有足够的现金。这家公司可能会向银行申请短期贷款。如果银行提供面值为100,000美元、贴现率为5%的贷款，那么公司将仅获得95,000美元的资金。剩下的5,000美元就是银行的贴现，代表着公司在贷款到期时必须偿还的借款成本。理解“银行贴现率”对企业至关重要，因为它直接影响融资成本。较高的“银行贴现率”意味着借款人将获得更少的资金，并且随着时间的推移需要支付更多的利息。相反，较低的“银行贴现率”使企业能够立即获得更多资金，这对于维持运营和抓住增长机会至关重要。“银行贴现率”在货币政策中也发挥着重要作用。中央银行，例如美国的联邦储备委员会，通过调整“银行贴现率”来控制通货膨胀并稳定经济。当中央银行提高“银行贴现率”时，银行借款变得更加昂贵。因此，银行可能会通过提高贷款利率将这些成本转嫁给消费者和企业。这可能导致支出和投资减少，从而帮助降温过热的经济。另一方面，当中央银行降低“银行贴现率”时，它鼓励银行借入更多资金，从而使消费者和企业的利率降低。这可以通过降低借贷成本来刺激经济活动，从而促进支出和投资。因此，“银行贴现率”是中央银行用来影响经济状况并确保金融系统稳定的强大杠杆。总之，“银行贴现率”是金融中的基本概念，影响着个人借款人和更广泛的经济。通过理解“银行贴现率”的运作，企业可以做出更明智的融资决策。此外，认识到“银行贴现率”变化的影响可以帮助个人和公司预测经济格局的变化，并相应调整他们的战略。总体而言，“银行贴现率”是金融机构和政策制定者在驾驭复杂的金融和经济世界时的重要工具。