基準利率
So it is intrinsic for the marketization of interest rate to choose an appropriate and effective market interest rate as benchmark interest rate by the currency authorities.
因此利率市場化内在要求貨币當局從利率體系中選定一種合適、有效的市場利率作為基準利率。
The BoK also kept its benchmark interest rate unchanged at a record-low 2% whilst the Philippine central bank cut its benchmark rate by 25bps to 4%, the sixth cut in seven months.
韓國央行還将基準利率維持在紀錄低點2％，而菲律賓央行下調基準利率25個基點到4％，這是七個月來第六次下調基準利率。
Benchmark interest rate is a basic interest rate indispensable to the mechanism of interest rate marketization. To some extent, it is the core of the system.
基準利率是整個市場化利率體系中所不可缺少的基本利率，從某種意義上來說基準利率是利率市場化機制形成的核心。
The Bank of Korea unexpectedly leftits benchmark interest rate unchanged, a sign of concern thatslowing external demand will hurt exports in Asia’s fourth-biggest economy.
韓國央行出人意料地保持基準利率不變，可能是擔心放緩的外部需求會影響這個亞洲第四大經濟體的出口。
Hungary's monetary council raised its benchmark interest rate, from 8.25% to 8.5%, to try to bring inflation down to its 3% target.
匈牙利貨币*********将基準利率從8.25%上調到8.5%，試圖将通貨膨脹率降低到3%的目标。
Soon after the announcement on Tuesday the Reserve Bank of Australia cut its benchmark interest rate by 1 percentage point to 3.25 per cent, its lowest level in almost half a century.
很快在周二政府宣布澳大利亞儲備銀行将基準利率下調1個人百分點至3.25%，這是幾乎是半個世紀來的最低點。
The Bank of Japan's policy board voted to keep its benchmark interest rate unchanged at 0.5% on September 19th.
9月19日，日本央行政策*********投票決定維持基準利率不變，仍為0.5 ％ 。
The Icelandic central bank’s benchmark interest rate has fallen to 4.5%, from a peak of 18%.
冰島央行的基準利率從最高峰18%下調到4.5%。
The Federal Reserve has left its benchmark interest rate unchanged. The federal funds rate, the rate that banks charge each other remains at two percent.
美聯儲保持基準利率不變，聯邦基金利率，這個利率也就是銀行間貸款利率保持在百分之二。
The Federal Reserve has left its benchmark interest rate unchanged.
美國聯準會依舊保持基準利率不變。
Given where the Bank of Japan’s benchmark interest rate is now, they can’t really lower rates.
基于現在日本的銀行利率，他們不會降息。
In a flurry of activity it took its benchmark interest rate from 4.25% in early October to 2% by mid-January.
在其采取的一系列的降息後，基準利率從早前10月的4.25%降到來今年1月中旬的2%。
de facto rise of 20%-25%in consideration of the actual home loan interest rate which was adjusted to 10%-15% below the benchmark interest rate by most banks in the past.
另一方面，第二套房的貸款利息由基準利率上浮10%，考慮到過去多家銀行已将實際住房貸款利率調整為基準利率下浮10%-15%，新的貸款利率實際增長了20%-25%。
On February 12th the independent Central Bank joined in, slashing its benchmark interest rate by a massive two-and-a-half percentage points, to 4.75%.
2月12號，獨立中央銀行也采取措施促進經濟，将基準利率大幅削減了2.5個百分點，下調到4.75%。
China’s central bank raised its benchmark interest rate by 25 basis points to 6.06%, its third increase since October as it tries to tackle rising inflation.
中國央行的基準利率提高了25個基準點到6.60%，這是自十月份以來為了試圖抑制通貨膨脹的第三次提高。
The minutes of the latest meeting of the bank’s monetary-policy committee suggest that it will raise its benchmark interest rate in March or April, for the first time since September 2008.
央行貨币政策*********上次會議記錄，建議央行在三、四月間調高基準利率，這是自前年九月以來的第一次。
Its monetary-policy committee raised the SELIC benchmark interest rate by 75 basis points to 9.5%, its first increase in a year and a half. It is expected to tighten much more in coming months.
四月廿八日，巴西央行承認經濟過熱的危險，貨币政策*********一次調高SELIC基準利率三碼至百分之九點五，這是一年半來第一次調高，預期未來幾個月還會更加緊收。
ON AUGUST 31st Brazil’s monetary-policy committee decided to cut the Central Bank’s benchmark interest rate by half a percentage point, to 12%.
8月31日，巴西貨币政策*********決定把中央銀行的基準利率降低0.5個百分點，減至12％。
China brought forward the release of August economic indicators by two days, spurring speculation the central bank may be preparing to raise a benchmark interest rate before markets open on Monday.
中國提前2天公布8月經濟數據，引發央行可能準備在周一開盤前提高基準利率的猜想。
The European Central Bank also cut its benchmark interest rate by half a percentage point, to 1.5%.
歐洲央行也将其基準利率降低了0.5個百分點至1.5%。
Since China's central bank announced on the 16th, down one-year RMB loans benchmark interest rate 0.27 percentage points, deposit rates remain unchanged.
中國央行公布自16日起，下調一年期人民币貸款基準利率0.27個百分點，存款基準利率則保持穩定。
基準利率（Benchmark Interest Rate）是中央銀行向商業銀行提供短期貸款時收取的利率，是金融市場中所有利率定價的核心參考标準。它直接影響整體經濟的借貸成本、貨币供應量和通脹水平，是央行調控宏觀經濟的關鍵工具。
基準利率由各國中央銀行設定（如美聯儲的聯邦基金利率、中國人民銀行的貸款市場報價利率LPR）。它決定了商業銀行之間短期拆借資金的成本，并傳導至存款、貸款、債券等金融産品的利率。例如：
美聯儲通過公開市場操作調整該利率，影響全球資本流動。2023年為抑制通脹，美聯儲連續加息至5.25%-5.5%（來源：美聯儲貨币政策報告）。
歐洲央行以此調控歐元區19國信貸條件，2024年維持在4.5%應對經濟滞脹（來源：歐洲央行）。
由18家銀行報價形成，分1年期和5年期，直接影響實體經濟融資成本（來源：中國人民銀行）。
基準利率通過以下路徑影響經濟：
graph LR
A[央行調整基準利率] --> B[商業銀行借貸成本變化]
B --> C[企業/個人貸款利率變動]
C --> D[投資與消費需求調整]
D --> E[通脹率/就業率變化]例如，降息會降低企業融資成本，刺激擴張和生産，進而提升就業（來源：伯南克《貨币政策機制》）。
基準利率（Benchmark Interest Rate）是金融市場中具有普遍參照作用的基礎利率，其水平和變動直接影響其他利率及金融資産定價。以下從定義、作用、常見類型及中國應用場景展開說明：
基準利率是金融機構确定貸款利率或投資回報率時參照的核心利率标準。它在利率體系中起主導作用，通常由中央銀行或市場主導形成，例如：
中國人民銀行制定存貸款基準利率，例如：
基準利率是利率市場化機制的核心，既反映資金成本，又是政策調控工具。不同國家根據金融市場結構選擇適合的基準類型，而中國正逐步從官方定價轉向市場化形成機制。如需進一步了解各國具體利率标準，可參考央行或金融監管機構發布的數據。
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