什么是利息和利率

　　利率是經(jīng)濟(jì)學(xué)中一個(gè)重要的金融變量，幾乎所有的金融現(xiàn)象、金融資產(chǎn)均與利率有著或多或少的聯(lián)系。接下來小編為大家整理了什么是利息和利率，希望對(duì)你有幫助哦!

　　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.

　　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.

　　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.

　　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.

　　利息是借款人因使用貸款而支付給貸款人的報(bào)酬，它總是與信用相伴而生。哪里有信用，哪里就有利息。

　　中國(guó)的銀行向國(guó)有企業(yè)、集體經(jīng)濟(jì)實(shí)體和外商投資公司提供貸款，并收取利息。另一方面，銀行向企業(yè)存款和個(gè)人儲(chǔ)蓄支付利息。

　　利率是在一定時(shí)期內(nèi)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(jù)國(guó)家經(jīng)濟(jì)政策和積累資金的需要由政府統(tǒng)一制訂的，由中國(guó)人民銀行集中統(tǒng)一管理。所有專業(yè)銀行和其他金融機(jī)構(gòu)必須執(zhí)行國(guó)務(wù)院制訂的利率。一個(gè)適當(dāng)?shù)睦食３１豢醋魇菄?guó)民經(jīng)濟(jì)活動(dòng)中有力的杠桿之一。

　　銀行貸款的利率高于存款或儲(chǔ)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。