一:prime rate是什么意思的意思
prime rate是指银行向其最信用客户提供贷款的基准利率。它通常由银行或设定,作为指导银行对客户收取利息的基准。
二:怎么读(音标)
[praɪm reɪt]
三:用法
在美国,prime rate通常指的是美联储公布的最低贷款利率。该利率会影响到商业贷款、抵押贷款和信用卡等金融产品的利率。银行会根据prime rate来调整自身的借贷利率,从而影响消费者和企业的借贷成本。
四:例句1-5句且中英对照
1. The bank announced that it would raise its prime rate by 0.25%, following the Federal Reserve's decision to increase interest rates.
银行宣布将会在美联储决定加息后,将其prime rate上调0.25%。
2. The current prime rate is 3.25%, which is the lowest it has been in over a decade.
目前的prime rate为3.25%,是十年来最低水平。
3. Many businesses rely on the prime rate to determine their borrowing costs and make financial decisions.
许多企业依赖prime rate来确定其借贷成本并做出金融决策。
4. The prime rate is often used as a benchmark for other interest rates, such as mortgage rates.
prime rate经常被用作其他利率的基准,比如抵押贷款利率。
5. As the prime rate increases, consumers may see their credit card interest rates go up.
随着prime rate的上涨,消费者可能会看到其信用卡利率上升。
五:同义词及用法
1. Base rate:与prime rate类似,也是指银行向最信用客户提供贷款的基准利率。
2. Benchmark rate:也可以用来指代prime rate,作为衡量其他利率水平的标准。
3. Reference rate:与prime rate的含义相同,是指银行对客户收取利息的参考标准。
六:编辑总结
Prime rate是一个重要的金融术语,在美国经济中扮演着关键角色。它不仅影响到银行和企业的借贷成本,也会直接影响到消费者的信用卡和抵押贷款利率。了解prime rate的含义和变化趋势,可以帮助我们更好地理解美国经济形势,并做出更明智的金融决策。