利率是资金的价格,反映借贷的成本. 利率一般按年计算,比如年息5%(5厘),是指借款人一年需向放款人支付
本金的5%,作为占用资金的代价. 支付利息是为了补偿放款人牺牲使用资金的权利、贷款期间因
通货膨胀导致资金购买力下降的损失以及因放贷所承担的其它
风险.
The cost paid by a borrower to a lender over a period of time, often calculated annually. It is intended to compensate lenders for the sacrifice of losing the immediate use of their
money, for the inflationary erosion of buying power over the life of the loan, and for the
risk involved in lending.