interest-rate cuts

简明释义

利率下调

英英释义

例句

1.The government hopes that the interest-rate cuts will lead to increased consumer spending.

政府希望利率削减将导致消费者支出的增加。

2.Investors are optimistic about the market after the interest-rate cuts were implemented.

在实施利率削减后，投资者对市场感到乐观。

3.Banks often adjust their loan rates following interest-rate cuts by the Federal Reserve.

银行通常会在美联储进行利率削减后调整他们的贷款利率。

4.Many homeowners are refinancing their mortgages due to the recent interest-rate cuts.

由于最近的利率削减，许多房主正在重新融资他们的抵押贷款。

5.The central bank announced new interest-rate cuts to stimulate economic growth.

中央银行宣布新的利率削减以刺激经济增长。

作文

In recent years, the term interest-rate cuts has become increasingly prominent in economic discussions. These measures are often employed by central banks to stimulate economic growth during periods of recession or economic downturn. When a central bank decides to implement interest-rate cuts, it lowers the cost of borrowing money. This action is intended to encourage businesses and consumers to take out loans, thereby increasing spending and investment in the economy.The rationale behind interest-rate cuts is straightforward. By reducing interest rates, central banks make it cheaper for individuals and companies to borrow money. For instance, when a bank lowers its interest rates, mortgages become more affordable, which can lead to an increase in home purchases. Similarly, businesses may find it easier to finance expansion projects, hire new employees, or invest in new technologies. This increased economic activity can help to boost overall demand, which is crucial during challenging economic times.However, while interest-rate cuts can have positive effects on the economy, they are not without risks. One potential downside is that prolonged low-interest rates can lead to excessive borrowing and potentially create asset bubbles. For example, if people take out large loans to buy homes or invest in stocks due to artificially low rates, it could lead to inflated prices. When the central bank eventually raises interest rates again, these bubbles may burst, leading to significant economic consequences.Moreover, interest-rate cuts may also impact savers negatively. When interest rates are low, the returns on savings accounts, bonds, and other fixed-income investments tend to decline. This situation can be particularly challenging for retirees who rely on interest income to support their living expenses. Therefore, while interest-rate cuts aim to stimulate the economy, they can create a difficult balance for those who depend on interest earnings.Central banks must carefully consider the timing and magnitude of interest-rate cuts. If they cut rates too aggressively or for too long, they risk overheating the economy, which can lead to inflation. Conversely, if they wait too long to implement cuts, they may miss the opportunity to support the economy during critical periods. Thus, the decision-making process surrounding interest-rate cuts is complex and requires a thorough analysis of current economic conditions.In conclusion, interest-rate cuts serve as a vital tool for central banks aiming to stimulate economic growth. They can lower borrowing costs, encourage spending, and ultimately help to revive an economy in distress. However, the potential risks associated with these cuts must be managed carefully to avoid negative repercussions. As we continue to navigate through various economic challenges, understanding the implications of interest-rate cuts will remain essential for policymakers, investors, and consumers alike.

近年来，短语利率削减在经济讨论中变得越来越突出。这些措施通常由中央银行在经济衰退或经济下行期间采取，以刺激经济增长。当中央银行决定实施利率削减时，它降低了借款的成本。这一举措旨在鼓励企业和消费者贷款，从而增加经济中的支出和投资。利率削减背后的理由很简单。通过降低利率，中央银行使个人和公司借钱变得更便宜。例如，当银行降低其利率时，抵押贷款变得更加负担得起，这可能导致购房数量的增加。同样，企业可能会发现融资扩张项目、雇佣新员工或投资新技术变得更加容易。这种经济活动的增加可以帮助提升整体需求，而这在经济困难时期至关重要。然而，尽管利率削减对经济可能产生积极影响，但它们并非没有风险。一个潜在的缺点是，长期低利率可能导致过度借贷，并可能造成资产泡沫。例如，如果人们因人为低利率而大额贷款购房或投资股票，这可能导致价格膨胀。当中央银行最终再次提高利率时，这些泡沫可能会破裂，导致重大的经济后果。此外，利率削减也可能对储户产生负面影响。当利率较低时，储蓄账户、债券和其他固定收益投资的回报往往会下降。这种情况对于依赖利息收入来支持生活开支的退休人员尤其具有挑战性。因此，虽然利率削减旨在刺激经济，但它们可能会为那些依赖利息收入的人创造困难的平衡。中央银行必须仔细考虑利率削减的时机和幅度。如果它们过于激进或持续时间过长，可能会导致经济过热，从而引发通货膨胀。相反，如果它们等待过久才实施削减，可能会错失在关键时期支持经济的机会。因此，围绕利率削减的决策过程是复杂的，需要对当前经济状况进行深入分析。总之，利率削减作为中央银行刺激经济增长的重要工具，可以降低借款成本，鼓励支出，并最终帮助复苏困境中的经济。然而，与这些削减相关的潜在风险必须得到妥善管理，以避免负面影响。在我们继续应对各种经济挑战的过程中，理解利率削减的影响将对政策制定者、投资者和消费者而言始终至关重要。