The interest rate is the price of borrowing money, expressed as a percentage.
Word in 30 Seconds
- Interest rate is the cost of borrowing money.
- It's expressed as a percentage of the principal.
- Affects savings, loans, and investments.
Overview
利率（lìlǜ）是金融领域一个非常基础且重要的概念，指的是借贷资金的价格。简单来说，当你向银行借钱时，你需要支付利息，这个利息就是按照利率计算的。反之，当你把钱存入银行时，银行会支付给你利息，这也是根据利率来确定的。利率通常以年百分比的形式表示，例如年利率5%。它直接影响着人们的储蓄意愿、消费行为以及企业的投资决策。
利率在日常生活中经常被提及，尤其是在讨论贷款、存款、信用卡、债券、股票等金融产品时。例如，银行会公布其存款利率和贷款利率。中央银行（如中国人民银行）会调整基准利率来影响整个市场的资金成本和流动性。个人在申请房贷、车贷时，需要关注贷款利率的高低。企业在决定是否发行债券或进行项目投资时，也会将利率作为重要的考量因素。
贷款申请：申请房贷、车贷、消费贷时，需要了解并比较不同银行的贷款利率。
与“利息”（lìxī）相比，利率（lìlǜ）是一个比率或百分比，是计算利息的依据；而利息是根据利率计算出来的具体金额。例如，年利率是5%，那么1000元的利息就是50元。
与“收益率”（shōuyìlǜ）相比，收益率是指投资所获得的回报占投资成本的百分比，它可能包含利息、股息、资本增值等多种形式。利率通常特指借贷资金的价格，而收益率的范围更广，可以包括非借贷的投资回报。
Examples
这家银行的存款利率比其他银行高。
everydayThis bank's deposit interest rate is higher than other banks'.
央行决定上调基准利率以对抗通货膨胀。
formalThe central bank decided to raise the benchmark interest rate to combat inflation.
我的信用卡利率有点吓人，我得赶紧还清。
informalMy credit card interest rate is a bit scary; I need to pay it off quickly.
在金融建模中，利率的预期变动是关键输入变量之一。
academicIn financial modeling, expected changes in interest rates are among the key input variables.
Common Collocations
Common Phrases
年利率
annual interest rate
贷款利率
loan interest rate
存款利率
deposit interest rate
利率变动
interest rate change
Often Confused With
Interest rate (利率) is the percentage charged or earned on a principal amount. Interest (利息) is the actual amount of money paid or received as a result of the interest rate.
Interest rate (利率) specifically refers to the cost of borrowing or lending money. Rate of return (收益率) is a broader term encompassing all gains from an investment, including interest, dividends, and capital appreciation.
Grammar Patterns
How to Use It
Usage Notes
Interest rate is a fundamental term in finance and economics. It is used in both formal and informal contexts when discussing borrowing, lending, saving, and investment. Be mindful of whether you are referring to the rate itself (percentage) or the actual interest amount.
Common Mistakes
Confusing 'interest rate' (利率) with 'interest' (利息). Remember that the rate is the percentage, while the interest is the monetary value calculated using that rate. Also, ensure you understand whether a rate is annual, monthly, or otherwise specified.
Tips
Understand Loan Interest Rates
When taking out a loan, always compare interest rates from different lenders to find the best deal.
Beware of High Credit Card Rates
Credit card interest rates are often much higher than other types of loans, leading to significant debt if not paid off quickly.
Central Bank's Role
In many countries, the central bank sets a benchmark interest rate that influences all other rates in the economy.
Word Origin
The term '利率' (lìlǜ) is composed of '利' (lì), meaning profit, interest, or benefit, and '率' (lǜ), meaning rate or ratio. Together, they directly translate to 'interest rate'.
Cultural Context
Interest rates are a key tool for governments and central banks to manage their economies. Changes in interest rates can significantly impact consumer spending, business investment, and the overall economic health of a nation.
Memory Tip
Think of 'rate' (率) as the 'ratio' or 'rule' for how much money costs when borrowed or saved. It's the percentage that dictates the price of money.
Frequently Asked Questions
4 questions利率是指借贷资金的价格，通常以年百分比表示。它决定了借款人需要支付多少利息，以及存款人能获得多少利息。
利率是计算利息的比率或百分比，而利息是根据利率计算出来的具体金额。例如，年利率是5%，那么1000元的利息就是50元。
利率会根据经济状况、通货膨胀水平以及央行的货币政策等因素而变动。央行调整利率是为了调控经济活动。
利率变动会影响贷款（如房贷、车贷）的成本、储蓄的回报以及投资的吸引力。利率上升通常会使借贷成本增加，储蓄更具吸引力。
Test Yourself
银行宣布下调贷款的______，以刺激消费。
这里需要填入的是借贷资金的价格比率，所以是‘利率’。
当你把钱存入银行时，你获得的回报是基于：
存款人获得的利息是根据银行公布的存款利率计算的。
词语：利率，影响，很大，储蓄，决定
这个句子结构完整，意思清晰，符合语法规则。
Score: /3
Summary
The interest rate is the price of borrowing money, expressed as a percentage.
- Interest rate is the cost of borrowing money.
- It's expressed as a percentage of the principal.
- Affects savings, loans, and investments.
Understand Loan Interest Rates
When taking out a loan, always compare interest rates from different lenders to find the best deal.
Beware of High Credit Card Rates
Credit card interest rates are often much higher than other types of loans, leading to significant debt if not paid off quickly.
Central Bank's Role
In many countries, the central bank sets a benchmark interest rate that influences all other rates in the economy.
Examples
4 of 4这家银行的存款利率比其他银行高。
This bank's deposit interest rate is higher than other banks'.
央行决定上调基准利率以对抗通货膨胀。
The central bank decided to raise the benchmark interest rate to combat inflation.
我的信用卡利率有点吓人，我得赶紧还清。
My credit card interest rate is a bit scary; I need to pay it off quickly.
在金融建模中，利率的预期变动是关键输入变量之一。
In financial modeling, expected changes in interest rates are among the key input variables.
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