利率 (lìlǜ) — interest rate
HSK 5 | noun | the percentage charged or paid for the use of money over a period of time
利率 (lìlǜ)
利率 is the percentage rate at which interest is charged on a loan or paid on a deposit over a specified period, serving as a key lever of monetary policy.
Meanings
- [noun] interest rate (the percentage rate of interest on loans or deposits)
Example Sentences
美联储宣布上调基准利率以应对通货膨胀。 Měi lián chú xuānbù shàng diào jīzhǔn lìlǜ yǐ yìngduì tōnghuò péngzhàng. The Federal Reserve announced an increase in the benchmark interest rate to combat inflation.
低利率环境有利于企业降低融资成本，刺激投资。 Dī lìlǜ huánjìng yǒulì yú qǐyè jiàngdī róngzī chéngběn, cìjī tóuzī. A low interest rate environment helps businesses reduce financing costs and stimulates investment.
各银行根据央行的基准利率确定自己的贷款利率。 Gè yínháng gēnjù yāngháng de jīzhǔn lìlǜ quèdìng zìjǐ de dàikuǎn lìlǜ. Banks set their own lending rates based on the central bank's benchmark interest rate.
房贷利率的变化直接影响到购房者的月供负担。 Fáng dài lìlǜ de biànhuà zhíjiē yǐngxiǎng dào gòufáng zhě de yuè gōng fùdān. Changes in mortgage interest rates directly affect the monthly payment burden on homebuyers.
名义利率减去通货膨胀率，才能得到真实利率。 Míngyì lìlǜ jiǎn qù tōnghuò péngzhàng lǜ, cái néng dédào zhēnshí lìlǜ. Subtracting the inflation rate from the nominal interest rate gives the real interest rate.
利率政策是中央银行调控宏观经济最重要的工具之一。 Lìlǜ zhèngcè shì zhōngyāng yínháng tiáokòng hóngguān jīngjì zuì zhòngyào de gōngjù zhī yī. Interest rate policy is one of the most important tools for central banks to regulate the macroeconomy.
Collocations
| Collocation | Meaning |
|---|---|
| 基准利率 | benchmark interest rate |
| 贷款利率 | lending rate |
| 存款利率 | deposit rate |
| 实际利率 | real interest rate |
| 利率政策 | interest rate policy |
| 上调/下调利率 | to raise/lower interest rates |
Usage Notes
利率 is a key term in finance and economics, essential for reading Chinese financial news and policy documents. The important collocations are 上调利率 (raise rates) and 下调利率 (lower/cut rates) -- actions taken by central banks to control inflation and stimulate growth.
Key related terms: 利率 (rate, percentage) vs. 利息 (actual money amount); 基准利率 (benchmark/reference rate) set by the central bank; 市场利率 (market rate); 固定利率 (fixed rate); 浮动利率 (floating/variable rate).
Memory Hook
利 is "profit/interest" and 率 means "rate/ratio" -- 利率 is the ratio of interest, the percentage that tells you how fast your money grows or how much extra you pay.