Basis point

简明释义

基点

英英释义

例句

1.The interest rate was increased by 25 basis points.

利率提高了25个基点。

2.A change of 100 basis points can significantly affect mortgage payments.

100个基点的变化会显著影响抵押贷款支付。

3.The central bank raised rates by 50 basis points to combat inflation.

中央银行为了应对通货膨胀将利率提高了50个基点。

4.Investors are concerned about a potential hike of 25 basis points next month.

投资者担心下个月可能会加息25个基点。

5.The bond yield increased by 10 basis points after the announcement.

公告发布后，债券收益率上升了10个基点。

作文

In the world of finance, precision is key, especially when it comes to measuring changes in interest rates, bond yields, and other financial metrics. One crucial term that often emerges in this context is the term basis point. A basis point is defined as one-hundredth of a percentage point, or 0.01%. This means that if an interest rate increases from 2.00% to 2.25%, it has risen by 25 basis points. Understanding this concept is essential for investors, financial analysts, and anyone involved in financial markets.The use of basis points helps to avoid confusion that can arise from percentage changes. For instance, if a central bank raises interest rates by 50%, it can be misleading without further context, as this could imply a significant change in monetary policy. However, if we say that the rates have increased by 50 basis points, it is clear and precise. This clarity is particularly important in discussions about monetary policy, where small changes can have large implications for the economy.Moreover, the significance of basis points extends beyond just interest rates. In the bond market, for example, the yield on bonds is often quoted in basis points. If a bond's yield increases from 3.00% to 3.50%, it has increased by 50 basis points. Such changes can greatly affect the pricing of bonds and the overall investment strategy of portfolio managers.Another area where basis points are frequently used is in the assessment of fees and costs associated with investment products. For instance, if a mutual fund charges a management fee of 75 basis points, this translates to 0.75% of the total assets under management. This terminology allows investors to easily compare fees across different funds and make informed decisions based on cost efficiency.Furthermore, the use of basis points is not limited to traditional finance. In the realm of risk management, for example, financial institutions often measure changes in credit spreads in basis points. A tighter credit spread, which indicates lower risk, may drop from 200 basis points to 150 basis points, reflecting improved credit conditions.In conclusion, the term basis point is a vital component of financial language, providing clarity and precision in discussions about interest rates, bond yields, fees, and risk assessments. By employing basis points, financial professionals can communicate more effectively, ensuring that all parties have a clear understanding of the changes and their potential impact. As the financial landscape continues to evolve, the importance of mastering terms like basis point will only grow, highlighting the need for ongoing education and awareness in the field of finance.

在金融领域，精确性至关重要，尤其是在衡量利率、债券收益率和其他金融指标的变化时。一个在这种情况下经常出现的重要术语是基点。基点被定义为百分之一，也就是0.01%。这意味着如果利率从2.00%上升到2.25%，则其上升了25个基点。理解这个概念对投资者、金融分析师以及任何参与金融市场的人来说都是至关重要的。使用基点有助于避免由百分比变化引起的混淆。例如，如果中央银行将利率提高50%，而没有进一步的背景，这可能会造成误导，因为这可能暗示货币政策发生了重大变化。然而，如果我们说利率提高了50个基点，那么这就清晰明了。这种清晰度在讨论货币政策时尤其重要，因为小的变化可能对经济产生重大影响。此外，基点的意义不仅限于利率。在债券市场，例如，债券的收益率通常以基点来报价。如果一只债券的收益率从3.00%上升到3.50%，那么它就上升了50个基点。这样的变化可以极大地影响债券的定价以及投资组合经理的整体投资策略。另一个基点常被使用的领域是评估投资产品相关费用和成本。例如，如果一只共同基金收取75个基点的管理费，这意味着其管理费占管理资产总额的0.75%。这种术语使投资者能够轻松比较不同基金的费用，并根据成本效率做出明智的决策。此外，基点的使用不仅限于传统金融。在风险管理领域，例如，金融机构通常以基点来衡量信用利差的变化。较紧的信用利差，表明风险较低，可能从200个基点下降到150个基点，反映出信用状况的改善。总之，基点这一术语是金融语言中一个至关重要的组成部分，在讨论利率、债券收益率、费用和风险评估时提供了清晰性和精确性。通过使用基点，金融专业人士能够更有效地沟通，确保所有各方对变化及其潜在影响有清晰的理解。随着金融环境的不断演变，掌握像基点这样的术语的重要性将只会增加，从而突显出在金融领域持续教育和意识的必要性。