总之，当美联储降低了基本放款利率，他们就是在鼓励你去花钱。
In a nutshell, when the Federal Reserve drops the prime lending rate, they're encouraging you to spend money.
首先，基本放款利率是银行间相互进行短期借贷时使用的利率。
First of all, the prime lending rate is the interest rate that Banks charge each other for short term loans.
就这样，许多与日常生活息息相关的利率都会受到基本放款利率的影响。
Thus, many, many other rates that do affect your life are affected by the prime lending rate.
如果一家银行需要尽快获得一笔流动资金，他总是能够以基本放款利率从另一家银行借到这笔钱。
If a bank needs some quick cash, it can always borrow it from a bank down the road for that prime lending rate.
大多数信用卡的利率是固定的，由基本放款利率加上一些特定比率-如基本放款利率加上11.9%。
Most credit CARDS have their rate fixed at the prime rate plus some specific percentage - prime plus 11.9%, for example.
昨天，我在等会议开始的时间里看了会儿CNN，电视里反复播放着“美联储将基本放款利率降低了0.75％”。
I watched CNN for a while yesterday while waiting for a meeting and they kept going back to the big news that the Federal Reserve cut the prime lending rate by 0.75%.
实证结果发现，银行资金成本及营业费用对基本放款利率有正向影响，而规模愈大的银行则会有较低的基本放款利率。
The empirical results show that the Banks with larger scale tend to have lower prime rates and that bank capital costs and operating expenses have positive effects on the prime rate pricing.
实证结果发现，银行资金成本及营业费用对基本放款利率有正向影响，而规模愈大的银行则会有较低的基本放款利率。
The empirical results show that the Banks with larger scale tend to have lower prime rates and that bank capital costs and operating expenses have positive effects on the prime rate pricing.
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