中文：

2厘利息是指借款或存款的利率为2%。在金融领域，厘是中国传统计算利息的单位，1厘等于0.1%。因此，2厘利息就是指借款或存款的利率为2%。

在贷款方面，2厘利息意味着借款人需要支付的利息是借款本金的2%。例如，如果借款人借款10万元，那么他需要支付的利息是10万元的2%，也就是2000元。在存款方面，2厘利息意味着存款人可以获得的利息是存款本金的2%。例如，如果存款人存入10万元，那么他可以获得的利息是10万元的2%，也就是2000元。

需要注意的是，2厘利息是相对较低的利率，通常适用于短期贷款或小额贷款。在投资方面，如果考虑到风险和回报的关系，2厘利息可能不是很有吸引力。因此，投资者在选择投资产品时，需要根据自己的风险承受能力和投资目标来选择合适的投资产品。

英文：

2% interest rate means that the borrower or depositor has to pay or receive an interest of 2% per unit of time, usually one year. In the financial industry, the traditional Chinese unit for calculating interest is "厘", which equals to 0.1%. Therefore, 2% interest rate means that the borrower or depositor has to pay or receive an interest of 2% per unit of time.

In terms of loans, 2% interest rate means that the borrower has to pay an interest of 2% of the loan principal. For example, if a person borrows 100,000 yuan (approximately US $16,145), he/she has to pay an interest of 2$3,230). In terms of deposits, 2% interest rate means that the depositor can receive an interest of 2% of the deposit principal. For example, if a person deposits 100,000 yuan (approximately US $16,145), he/she can receive an interest of 2$3,230).

It should be noted that 2% interest rate is a relatively low rate and is usually applicable to short-term loans or small loans. In terms of investment, if considering the relationship between risk and return, 2% interest rate may not be very attractive. Therefore, investors need to choose appropriate investment products according to their risk tolerance and investment goals.