利率

• 拼音: lì lǜ
• 汉字拆解: 利 = 禾 + 刂 (profit/interest); 率 = 玄 + 十 (rate/ratio)

含义

Interest rate. The proportion at which interest is charged on a loan or earned on a deposit, expressed as a percentage over a given period.

A fundamental term in finance and economics. Used in banking, investment, mortgage, and monetary policy discussions. The central bank (央行) sets benchmark interest rates; commercial rates vary by institution. Key collocations: 贷款利率 (loan rate), 存款利率 (deposit rate), 基准利率 (benchmark rate).

例句

1. 中央银行宣布下调基准利率，以刺激经济增长并提振市场信心。
2. 购房者应仔细比较各银行的房贷利率，选择最有利于自身的还款方案。
3. 低利率环境促使更多投资者将资金转向股票和房地产市场。

用法指南

语境: finance, banking, economics, mortgage, investment

语气: neutral

正确说法

• 受全球经济下行压力影响，多国央行相继调低基准利率，以维持流动性。(Under the pressure of a global economic downturn, central banks of many countries have successively lowered benchmark interest rates to maintain liquidity.)
• 在申请住房贷款时，务必确认合同中注明的是固定利率还是浮动利率。(When applying for a housing loan, make sure to confirm whether the rate stated in the contract is a fixed or floating interest rate.)

错误说法

• 将'利率'与'汇率'混用 — 利率是借贷成本的百分比，汇率是两种货币之间的兑换比例，两者是不同的金融概念

起源与历史

利 (profit/interest) + 率 (rate/ratio/proportion)

文化背景

世代: All ages

社会背景: Universal