rate of discount

简明释义

贴现率

英英释义

例句

1.When calculating the final price, you need to apply the rate of discount 折扣率 before taxes.

在计算最终价格时，需要在税前应用rate of discount 折扣率。

2.The store is offering a special promotion with a rate of discount 折扣率 of 20% on all electronics this weekend.

这家商店本周末对所有电子产品提供20%的rate of discount 折扣率特惠促销。

3.The rate of discount 折扣率 for bulk purchases can often be negotiated with the supplier.

大宗采购的rate of discount 折扣率通常可以与供应商协商。

4.This month's newsletter includes a rate of discount 折扣率 of 15% for all new subscribers.

本月的通讯包括对所有新订阅者的15%的rate of discount 折扣率。

5.The rate of discount 折扣率 applied to last season's clothing is now 50%.

对上个季节服装应用的rate of discount 折扣率现在为50%。

作文

In the world of finance and commerce, understanding various terms is essential for making informed decisions. One such term is the rate of discount, which plays a crucial role in determining the present value of future cash flows. The rate of discount refers to the percentage reduction applied to the future value of money to account for the time value of money. This concept is based on the principle that a certain amount of money today is worth more than the same amount in the future due to its potential earning capacity. To illustrate this, consider a scenario where you are offered the choice between receiving $1,000 today or $1,000 a year from now. If you choose to take the money today, you can invest it and potentially earn interest. Therefore, the rate of discount helps us understand how much less a future amount is worth compared to an immediate payment. The calculation of the rate of discount involves several factors, including the risk-free rate of return, inflation, and the specific risks associated with the investment. For instance, if the risk-free rate of return is 5%, and you expect inflation to be around 2%, your effective rate of discount might be slightly higher than 5% to account for the decrease in purchasing power over time. Businesses often use the rate of discount when evaluating investment opportunities. By applying this rate to projected cash flows, they can determine whether an investment is likely to generate a satisfactory return. If the present value of expected cash flows exceeds the initial investment cost when discounted at the chosen rate of discount, then the investment may be considered worthwhile. Moreover, the rate of discount is also critical in pricing financial products such as bonds. When investors purchase bonds, they are essentially lending money to the issuer in exchange for periodic interest payments and the return of the principal at maturity. The rate of discount helps in calculating the bond's present value, which influences its market price. A higher rate of discount typically leads to a lower bond price, reflecting the increased opportunity cost of tying up funds in a fixed-income investment. Understanding the rate of discount is not only pertinent for businesses and investors but also for individuals planning for their financial futures. Whether saving for retirement, purchasing a home, or funding education, comprehending how future values are affected by the rate of discount allows individuals to make better financial choices. For example, if you know that the rate of discount is 6%, you can calculate how much you need to save today to reach a specific financial goal in the future. In conclusion, the rate of discount is a fundamental concept in finance that affects various aspects of economic decision-making. It provides a framework for evaluating the time value of money, guiding both personal and professional financial strategies. By grasping the implications of the rate of discount, individuals and businesses can enhance their financial literacy and make more informed choices about investments, savings, and expenditures.

在金融和商业的世界中，理解各种术语对于做出明智的决策至关重要。其中一个术语是折扣率，它在确定未来现金流的现值方面发挥着关键作用。折扣率是指应用于未来货币价值的百分比减少，以考虑货币的时间价值。这个概念基于这样一个原则：今天的一定金额比未来的相同金额更有价值，因为它具有潜在的收益能力。为了说明这一点，考虑一个场景，你被提供选择是今天收到1000美元还是一年后收到1000美元。如果你选择今天拿钱，你可以投资并可能赚取利息。因此，折扣率帮助我们理解未来金额相比于立即支付的价值要低多少。计算折扣率涉及多个因素，包括无风险回报率、通货膨胀以及与投资相关的特定风险。例如，如果无风险回报率为5%，而你预计通货膨胀率约为2%，那么你的有效折扣率可能会略高于5%，以考虑购买力随时间的下降。企业通常在评估投资机会时使用折扣率。通过将此利率应用于预测的现金流，他们可以确定一项投资是否可能产生令人满意的回报。如果在所选的折扣率下，预期现金流的现值超过初始投资成本，则该投资可能被视为值得。此外，折扣率在定价金融产品（如债券）时也至关重要。当投资者购买债券时，他们实际上是在向发行人借钱，以换取定期利息支付和到期时本金的返还。折扣率有助于计算债券的现值，这影响其市场价格。较高的折扣率通常导致债券价格较低，反映了将资金锁定在固定收益投资中的机会成本增加。理解折扣率不仅对企业和投资者相关，而且对计划财务未来的个人也至关重要。无论是为退休储蓄、购买房屋还是资助教育，理解未来价值如何受到折扣率的影响使个人能够做出更好的财务选择。例如，如果你知道折扣率为6%，你可以计算出今天需要存多少钱才能在未来达到特定的财务目标。总之，折扣率是金融中的一个基本概念，影响经济决策的各个方面。它为评估货币的时间价值提供了框架，指导个人和专业的财务策略。通过掌握折扣率的含义，个人和企业可以提高其财务素养，并在投资、储蓄和支出上做出更明智的选择。