即使如此，有效利率依然逗留在低档。
有效利率，实际利率对一笔分期偿付的贷款所支付的实际利率。
Effective interest rate The true rate of interest paid on an installment loan.
但所建议的新制度看似能够创造出一种可调控的小狗的早餐，其边际有效利率很有潜力增长超过100%。
But the proposed new regime looks likely to create a regulatory dog's breakfast, with effective marginal tax rates potentially rising to over 100%.
在现在的情况下，如果我真正在写一个银行系统，我当然也就不会为定义“有效利率”犯愁了。因为我可以向这方面领域的专家请教这些知识。
In the current case, if I really was writing a turn-key banking system, I certainly wouldn't bother to define "effective interest" because that's something that I'd expect my domain expert to know.
自从08年十月二十九日，联邦公开市场操作委员会降息0.5%后，联邦资金利率目标现在也只剩1%，但是这些资金实际上还要换手(在银行间相互借贷市场中流动)-有效利率大约只剩下0.25%。
Since Oct.29th, the target for the federal funds rate has been a 1%, but the rate at which funds actually change hands, known as the “effective rate”, has averaged around 0.25%(see chart).
另一种更广泛被运用的货币政策是改变比率，以有效地调整存款的利率水平。
The other but more commonly used monetary policy is to change the rate to effectively alter the rate of interest on deposits.
这代表一个有效年利率为6.9%。
This represented an effective annual interest rate of 6.9 percent.
经济学家长期研究制度约束对有效经济选择的干涉，比如当特别的利率突破屏障进入产品市场的时候。
Economists have long studied how institutional constraints interfere with efficient economic choices, such as when special interests erect barriers to entry in product markets.
与外汇掉期不同，货币掉期包含利率支付，有效期更长——通常有一至五年。
Currency swaps differs from foreign-exchange swaps in that they include interest-rate payments and typically have longer durations-one to five years.
但是最高法院在三十年前就撤销了对信用卡利率的有效管制，而十年前又撤销了对银行收费规模的管制。
But the Supreme Court effectively deregulated credit card rates 30 years ago, and 10 years ago it deregulated the size of the fees a bank could charge.
从历史上看，关注收益曲线(yield curve)(长期利率与短期利率的关系)可以非常有效预示经济走向。
Focusing on the yield curve (the relationship between short - and long-term interest rates) has historically been quite a good economic indicator.
今天的情况却不同了：最近一段时间以来，有效的联邦基金利率平均值已经低于0.3个百分点(相比之下，由于技术上的原因，官方利率几乎已失去意义)。
Today, it isn't: the effective federal funds rate (as opposed to the official target, which for technical reasons has become meaningless) has averaged less than 0.3 percent in recent days.
这种政策已经有效的造就了负利率的现状，因为现实中瑞士银行要应付那些在自己账户上拥有超额存款的机构顾客。
This policy had already had the effect of making interest rates negative, in the very practical sense that UBS was charging institutional customers who held excess deposits in their accounts.
那些抢购30年期低于5%利率的国债的投资者打赌，美联储将会有效控制通货膨胀的风险。
Investors snapping up 30-year Treasury bonds paying less than 5 percent are betting that the Fed will keep these inflation risks in check.
最有效的工具当然是利率。
现在减息可能会没有效果：雷曼的破产引发了银行间对现金的疯狂抢夺，使得银行同业拆借利率在最近今天内升至6%。
A rate cut now might not even have been felt: the collapse of Lehman has triggered a mad scramble for cash by Banks, driving the interbank-lending rate as high as 6% in recent days.
逐步自由化的贷款利率，如灵活和有效的财政手段来控制供求关系。
Through the gradual liberalization of lending rates, such as flexible and effective financial means to control the supply-demand relationship.
固定利率债券在整个债券有效期限内，债券的息票利率保持不变的债券。利率的变动影响债券的价格而非息票。
A bond where the coupon's interest rate remains fixed for the entire term. Interest rate movements affect the bond's price not the coupon.
但是中国的商业银行依然保持其原始的状态，不能有效地配置其资金、开展贷款方风险分析或者对利率信号及时作出反应。
But China's commercial Banks remain primitive institutions, failing to allocate capital efficiently, conduct risk analysis of lenders or respond to interest rate signals.
在此基础上，提出构建有效的利率风险管理系统的建议。
On this foundation, put forward the suggestion that sets up the valid interest rate risk to manage the system.
而影响有效需求的主要动力因素是GDP、城镇居民可支配收入与储蓄、城镇人口、税率、利率、价格预期。
The most important factor is effective demand which is determined by GDP, disposable income and deposit of townspeople, urban population, tax rate, interest rate, price expectation.
在利率管制下的卖方垄断型信贷市场中，担保额是银行甄别企业风险的有效工具，但这依赖于企业的风险收益特征。
In the monopolistic credit market with regulation interest rate, collateral is an efficient tool to screen the risk of SMEs.
这一有效的替代性还贷利率将以30天平均价和5天平均价之间较低者为准。
The effective alternative repayment rate will be the lower of either the 30-day average or the 5-day average.
为确保有效，这种监督应该遵循一种综合办法，考虑利率、外汇和信贷风险之间的相互作用。
To be effective, such monitoring should follow an integrated approach, which takes into account the interaction between interest rate, foreign exchange, and credit risks.
因此，西方商业银行纷纷研究和开发先进的利率风险管理技术，对利率风险进行了行之有效的管理。
So western commercial Banks research and develop advanced management technology of the interest rate risk, and manage it effectively.
因此，如何有效地管理债券的利率风险成为债券投资者的重要课题。
Therefore, how to manage bonds' interest rate risk effectively becomes an important problem of bonds investors.
而国债利率的均衡依赖于一个有效率的国债市场。
The efficiency of treasure bond interest depends on an efficient treasure bond market.
央行只能优择其一作为中介目标，而不能够同时有效地控制货币量和利率。
The Central Bank can only realize one goal but not control money supply and interest rate effectively at the same time.
最后，本文以一个利率风险管理的成功实例来说明运用利率衍生工具进行套期保值的有效性。
Finally, it introduces a successful case of managing interest rate risk to prove the effectiveness of using these derivative instruments.
最后，本文以一个利率风险管理的成功实例来说明运用利率衍生工具进行套期保值的有效性。
Finally, it introduces a successful case of managing interest rate risk to prove the effectiveness of using these derivative instruments.
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