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.
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.
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.
如果伦敦银行间拆放款利率被人为的制止住，那么该城市每年将损失数百万美元。
If LIBOR was artificially suppressed, the city would have been losing millions annually.
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.
对债券的热捧反映了两个问题，一是期望通货膨胀更低，一是期望央行接近零点的放款利率维持更久。
The rush to bonds reflects both expectations of lower inflation and a longer period of rock-bottom central-bank lending rates.
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%.
但世界各地的监管机构怀疑伦敦银行间拆放款利率，这一根据估算结果而每天确立的金融基准涉嫌操纵。
But regulators around the world suspect that LIBOR (the London inter-bank offered rate), a financial benchmark that is set every day by collating these estimates, has been subject to manipulation.
第二组是负担与该利率有关联的债务的大公司的投资商，如果拆放款利率定的过低，他们就会失去支付利息的能力。
A second group includes investors in large companies' LIBOR-linked debt who may have lost out on interest payments if LIBOR was set too low.
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.
同业拆借利率已经下调和稳定，但银行尚未放款。
Interbank lending rates have come down and stabilized, but Banks are not yet lending.
目前普通项目上，放贷者可以根据自己能接受的费用来定价：比如在放款前数周或数月，自己“内定”利率。
Lenders could charge fees for popular features now taken for granted, like the ability to "lock in" an interest rate weeks or months before taking out a loan.
之后信贷再次放缓，因此放款人降低贷款价格至1％的贷款利率，而且不需要担保和首 付款。
Sales again slow, so lenders lower the price to 1% with no collateral and no money down.
低利率也许可以提倡更理智的借款，即便放款者已经由于自己卤莽的放款而信心受挫。
Lower rates may encourage more sensible borrowing, even if they discourage reckless lending.
因此，它们停止了同业拆借，也停止了向其它企业放款，这迅速导致了信贷冻结、贷款利率大幅攀升。
As a result, they stopped lending to each other and to other businesses, which led to an instant credit freeze and a dangerous increase in borrowing rates.
因此，它们停止了同业拆借，也停止了向其它企业放款，这迅速导致了信贷冻结、贷款利率大幅攀升。
As a result, they stopped lending to each other and to other businesses, which led to an instant credit freeze and a dangerous increase in borrowing rates.
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