bank rate

简明释义

贴现率

英英释义

例句

1.A lower bank rate can stimulate economic growth by making loans cheaper.

较低的银行利率可以通过降低贷款成本来刺激经济增长。

2.The government announced that the bank rate would remain unchanged for the next quarter.

政府宣布银行利率将在下一个季度保持不变。

3.Investors closely monitor changes in the bank rate as it affects bond prices.

投资者密切关注银行利率的变化，因为这会影响债券价格。

4.The central bank decided to increase the bank rate to control inflation.

中央银行决定提高银行利率以控制通货膨胀。

5.When the bank rate rises, borrowing costs for consumers also increase.

当银行利率上升时，消费者的借款成本也会增加。

作文

The concept of the bank rate is fundamental to understanding how monetary policy functions in an economy. The bank rate refers to the interest rate at which a central bank lends money to commercial banks. This rate plays a crucial role in influencing overall economic activity, as it directly impacts the cost of borrowing for banks, which in turn affects the rates they offer to consumers and businesses. When the bank rate is low, borrowing becomes cheaper, encouraging spending and investment. Conversely, when the bank rate is high, borrowing costs increase, which can slow down economic growth.Understanding the implications of the bank rate requires a grasp of its relationship with inflation and economic stability. Central banks adjust the bank rate in response to changing economic conditions. For instance, during periods of high inflation, a central bank may raise the bank rate to cool off spending and bring prices under control. On the other hand, in times of economic downturn, lowering the bank rate can stimulate the economy by making loans more affordable.The bank rate also serves as a benchmark for other interest rates in the economy. It influences mortgage rates, personal loans, and savings accounts. For example, if the central bank lowers the bank rate, financial institutions are likely to follow suit by reducing their lending rates, making it easier for individuals to buy homes or finance large purchases. This cascading effect illustrates the importance of the bank rate in shaping financial conditions across various sectors.Moreover, the bank rate has psychological effects on consumer behavior. When people perceive that borrowing is cheap due to a low bank rate, they may be more inclined to take out loans for big-ticket items, such as cars or homes. This increased consumer confidence can lead to higher spending, further stimulating economic growth. Conversely, if the bank rate is perceived as high, potential borrowers may hesitate, leading to a slowdown in economic activity.In conclusion, the bank rate is not just a number; it is a powerful tool used by central banks to manage economic stability. Its influence extends beyond the banking sector, affecting consumers, businesses, and the overall health of the economy. Understanding the bank rate is essential for anyone looking to navigate the complexities of modern finance and economics. By keeping an eye on changes to the bank rate, individuals and businesses can make informed decisions that align with the current economic climate. The bank rate ultimately serves as a barometer of economic health, reflecting the balance between growth and inflation, and guiding policy decisions that impact us all.

“银行利率”这一概念对于理解货币政策在经济中如何运作至关重要。“银行利率”是指中央银行向商业银行借贷资金时所收取的利率。这个利率在影响整体经济活动方面起着关键作用，因为它直接影响银行的借款成本，进而影响他们向消费者和企业提供的利率。当“银行利率”较低时，借款变得更便宜，从而鼓励消费和投资。相反，当“银行利率”较高时，借款成本增加，这可能会减缓经济增长。理解“银行利率”的影响需要掌握其与通货膨胀和经济稳定之间的关系。中央银行根据经济状况的变化调整“银行利率”。例如，在高通货膨胀时期，中央银行可能会提高“银行利率”，以降低消费并控制物价。另一方面，在经济衰退时期，降低“银行利率”可以通过使贷款更容易获得来刺激经济。“银行利率”还作为经济中其他利率的基准。它影响抵押贷款利率、个人贷款和储蓄账户。例如，如果中央银行降低“银行利率”，金融机构可能会跟随降低其贷款利率，使个人更容易购买房屋或融资大宗商品。这种级联效应说明了“银行利率”在塑造各个部门金融条件中的重要性。此外，“银行利率”对消费者行为也有心理影响。当人们认为由于“银行利率”较低而借款便宜时，他们可能更倾向于借款购买大宗商品，如汽车或房屋。这种消费者信心的增强可能导致消费增加，进一步刺激经济增长。相反，如果“银行利率”被认为较高，潜在借款人可能会犹豫不决，从而导致经济活动放缓。总之，“银行利率”不仅仅是一个数字；它是中央银行用来管理经济稳定的重要工具。其影响超越了银行业，影响到消费者、企业和整个经济的健康。理解“银行利率”对于任何希望驾驭现代金融和经济复杂性的人来说都是必不可少的。通过关注“银行利率”的变化，个人和企业可以做出与当前经济气候相一致的明智决策。“银行利率”最终作为经济健康的晴雨表，反映了增长与通胀之间的平衡，并指导影响我们所有人的政策决策。