新東方網>英語>英語學習>行業英語>金融英語>正文
金融英語閱讀：利息和利率
2012-10-28 15:11
來源：外語教育網
作者：
Interest is a reward which is paid by the borrower to the lender for a loan. It always coexists with credit. Where there is Credit, there should be interest.
利息是借款人因使用貸款而支付給貸款人的報酬，它總是與信用相伴而生。哪裡有信用，哪裡就有利息。
Banks in China charge the state-owned enterprises, collective economic firms and foreign investment companies with interest for granting loans to them. On the other hand, banks pay interest to enterprise deposits and individual savings.
中國的銀行向國有企業、集體經濟實體和外商投資公司提供貸款，並收取利息。另一方面，銀行向企業存款和個人儲蓄支付利息。
Interest rate, that is the ratio between the amount of the interest and that of the capital of a deposit or a loan in a certain period usually expressed in percent per annum, is formulated in China by the government according to the state's economic policies and the need of accumulation of funds. It is put under the centralized and unified management by the People's Bank of China. All the specialized banks and other financial institutions have to implement the interest rate stipulated by the State Council. An appropriate interest rate is always regarded as one of the effective levers in the national economic activities. 利率是在一定時期內利息金額與存款或貸款本金金額的比率，通常按年以百分比表示，它是根據國家經濟政策和積累資金的需要由政府統一制訂的，由中國人民銀行集中統一管理。所有專業銀行和其他金融機構必須執行國務院制訂的利率。一個適當的利率常常被看作是國民經濟活動中有力的槓桿之一。
The interest rate of bank's loan is higher than that of deposit or savings. The balance between them is commonly called interest difference, which is the primary source of bank's income.
銀行貸款的利率高於存款或儲蓄的利率。存貸款之間的差額通常被稱為利差，是銀行收入的主要來源。
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